tag:blogger.com,1999:blog-1478779391889087638.post5355732949070918451..comments2023-03-02T16:11:28.005+08:00Comments on Lazy Singaporean: Why you should stop using dividend yield to calculate your retirement sumUnknownnoreply@blogger.comBlogger8125tag:blogger.com,1999:blog-1478779391889087638.post-65674133872477281702016-08-18T14:59:27.741+08:002016-08-18T14:59:27.741+08:00Hi Cory,
Yes, it is around 7%, but that is before...Hi Cory,<br /><br />Yes, it is around 7%, but that is before inflation. The US market had a post-inflation return of 7%, and the withdrawal rate recommended was still 4%. Considering this, a 3% withdrawal rate would be more conservative considering that the future performance of markets might not be as good.<br /><br />So, you do stock selection? You can always consider index investing :)caifanmanhttps://www.blogger.com/profile/04448404780924263545noreply@blogger.comtag:blogger.com,1999:blog-1478779391889087638.post-84848328989932242062016-08-17T21:51:06.198+08:002016-08-17T21:51:06.198+08:00I am quite certain me not reach expert. :)
I know ...I am quite certain me not reach expert. :)<br />I know that ST Index long term is 7%.If remember correctly includes roughly 3.5% dividends. That's mean 3.5% growth.Coryhttps://www.blogger.com/profile/18166646368324976318noreply@blogger.comtag:blogger.com,1999:blog-1478779391889087638.post-15980885862069862462016-08-17T00:23:55.113+08:002016-08-17T00:23:55.113+08:00Hi Ray,
You are absolutely correct. CPF ERS is a ...Hi Ray,<br /><br />You are absolutely correct. CPF ERS is a very good option for many people. However, as you have also correctly pointed out, it is hard to utilise for people who want early retirement before age 65.caifanmanhttps://www.blogger.com/profile/04448404780924263545noreply@blogger.comtag:blogger.com,1999:blog-1478779391889087638.post-64066237475745290712016-08-17T00:22:45.537+08:002016-08-17T00:22:45.537+08:00Hi Cory,
If you can get 4-8% in dividends, and st...Hi Cory,<br /><br />If you can get 4-8% in dividends, and still have capital growth, then you wouldn't need to do index investing. I think you are probably an expert. Congratulations to you!<br /><br />My strategy is more for people who are not experts, but still want to invest. Stock selection harms the average investor because of natural human biases and irrationality.caifanmanhttps://www.blogger.com/profile/04448404780924263545noreply@blogger.comtag:blogger.com,1999:blog-1478779391889087638.post-87869953266159355832016-08-16T11:04:26.723+08:002016-08-16T11:04:26.723+08:00Just dividendJust dividendCoryhttps://www.blogger.com/profile/18166646368324976318noreply@blogger.comtag:blogger.com,1999:blog-1478779391889087638.post-24890188075923124642016-08-16T10:22:42.477+08:002016-08-16T10:22:42.477+08:00You don't need $800K for $2K monthly living ex...You don't need $800K for $2K monthly living expenses.<br /><br />You can do it with CPF retirement account (RA) with enhance retirement scheme (ERS). Current ERS of $241K yield ~$1.8K. <br /><br />The only downside is this cash flow comes after age 65.<br /><br />RayNghttps://www.blogger.com/profile/06085987573946040792noreply@blogger.comtag:blogger.com,1999:blog-1478779391889087638.post-29462927617357873192016-08-15T23:46:14.692+08:002016-08-15T23:46:14.692+08:00Hi Cory, does the 4-8% include dividend yield and ...Hi Cory, does the 4-8% include dividend yield and capital appreciation?caifanmanhttps://www.blogger.com/profile/04448404780924263545noreply@blogger.comtag:blogger.com,1999:blog-1478779391889087638.post-18430441292751068002016-08-15T22:55:47.901+08:002016-08-15T22:55:47.901+08:00There are stocks which can provide 4%-8% returns w...There are stocks which can provide 4%-8% returns with long term capital gains.<br />I think it still boils down to stock selection.Coryhttps://www.blogger.com/profile/18166646368324976318noreply@blogger.com