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spore1 Supreme	02-Jun-2026 16:15        spore1 About Contact  Quote this Post!
x 0   x 0  Alert Admin	SingTel slowly recovering. It may turn into positive territory
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sanvan Veteran	02-Jun-2026 14:44        sanvan About Contact  Quote this Post!
x 0   x 0  Alert Admin	General Wave, Thank you for sharing this. It has got me thinking already. I agree it bears serious thought.  I have probably not thought enough about cognitive abilities declining making it even harder to achieve a similar income as the payout.  wavehunter      ( Date: 02-Jun-2026 14:07) Posted: Bro sanvan, I was at $1300 too. When I turned 55, CPF Board set aside $161k from my savings to put into RA. That was then the Minimum Sum. At that time, there was no BRS, FRS and ERS. Just a Minimum Sum which everyone must set aside if they have more than $161k. The rest they can withdraw if they want to. Those with less than $161k...nothing to withdraw. CPF will take all the savings to put into RA. Had I not done anything else, that $161k would have earned 4% interest compounded for 10 yrs till age 65. Then at age 65, my $161k plus compunded interest would have given me a payout of only $1300. After listening to advice from the people who were then regulars of this thread, I thought about it and came to the conclusion that I should top up my RA with cash. That means less trading capital. But the trade off is I am using trading capital to buy for myself an iron-clad safety net. If I hold on to cash, I must be able to generate $1050 per mth every mth for life with that same cash. But if I put that cash into my RA, I will receive $1050 more every mth without worry and without breaking a sweat. So I pain pain used $167900 from my trading capital to top up my RA. As a result, my payout increased by $1050 to $2350 per mth. If I keep that $167900, to get $1050 per mth out of it means I must make $12600 per year . That' s a rate of return of 7.5% per year which I must be able to repeat year after year for the remainder of my lifetime. Can I do that ? We musnt forget that as we grow older, our cognitive abilities to analyse market trends, charts and data will diminish. Our ability to stay focussed will diminish too. And at that age, if we make a mistake or get screwed by the market and kena a huge drawdown, our runway of remaining years to recover from a market shock is far shorter than someone in his 30s and 40s.  That' s why all things taken into consideration, I decided to top up my RA. It was a painful decision back then. To give up so much cash is always painful. It was not a decision I could make instantly or without reservation. I thought about it for a while and then discussed with my wife. Her immediate reaction was " Yes, do it. It is a good thing. Do it" . Her reaction was an important encouragement for me. It made my decision-making ALOT ALOT easier. So my mind became firm that topping up my RA was the right thing to do and not only right thing to do but also MUST BE DONE. So I did it. And have NEVER regretted it. My only regret is I do not have more funds to put into RA to bring my payout to $3k.   As a result of talking to me, wifey also became aware of the importance of topping up RA to the max of ERS if one is able to. And so she has been working out a plan to start topping up earlier than later so that her savings can benefit from the compounding effect of the 4% interest which the CPF pays.  So Bro sanvan.... forget about buying another car. You really dont need it. Your children are all grown up and you do not have disabled loved ones to ferry around. It is not true that we cant live without a car. In Msia, yes, that' s true. In Spore, it isn' t true. Our public transport system is world class. Foreigners who come here for vacation or for work all wish they can have the same public transport in their own country. Think about what I have shared here and go do your math. Think hard about how much payout you want per month when you turn 65. Then use that figure to work backwards to arrive at how much you need to top up your SA or RA now. The sooner you do that top-up, the more you will benefit from the compounding effect of interest. If you wait 5 years to top up, you lose 5 years of interest compounding effect. Just to illustrate, a sum of $100k will become $121,665 after 5 years of interest compounded at 4%.  To work out how much you need to have to achieve the desired payout you want, log in to CPF website with your SingPass and search for CPF LIfe payout estimator and take it from there. http://www.cpf.gov.sg/member/tools-and-services/calculators/monthly-payout-estimator sanvan      ( Date: 02-Jun-2026 13:20) Posted: General Wave , Congratulations to you, and to Sis Halle for her hubby too, for the CPF pay outs.  Nice to have a payout monthly without work. Passive income. I got to wait another 4 years for approx $1.3k.
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MrBear12 Supreme	02-Jun-2026 14:17        MrBear12 About Contact  Quote this Post! Style: Combined   Mood: Yells: "Cast all our anxieties on Jesus for He cares for us"
x 1   x 0  Alert Admin	a bear will readily agree and retire to his cave with cash in his belly wavehunter      ( Date: 02-Jun-2026 14:07) Posted: Bro sanvan, I was at $1300 too. When I turned 55, CPF Board set aside $161k from my savings to put into RA. That was then the Minimum Sum. At that time, there was no BRS, FRS and ERS. Just a Minimum Sum which everyone must set aside if they have more than $161k. The rest they can withdraw if they want to. Those with less than $161k...nothing to withdraw. CPF will take all the savings to put into RA. Had I not done anything else, that $161k would have earned 4% interest compounded for 10 yrs till age 65. Then at age 65, my $161k plus compunded interest would have given me a payout of only $1300. After listening to advice from the people who were then regulars of this thread, I thought about it and came to the conclusion that I should top up my RA with cash. That means less trading capital. But the trade off is I am using trading capital to buy for myself an iron-clad safety net. If I hold on to cash, I must be able to generate $1050 per mth every mth for life with that same cash. But if I put that cash into my RA, I will receive $1050 more every mth without worry and without breaking a sweat. So I pain pain used $167900 from my trading capital to top up my RA. As a result, my payout increased by $1050 to $2350 per mth. If I keep that $167900, to get $1050 per mth out of it means I must make $12600 per year . That' s a rate of return of 7.5% per year which I must be able to repeat year after year for the remainder of my lifetime. Can I do that ? We musnt forget that as we grow older, our cognitive abilities to analyse market trends, charts and data will diminish. Our ability to stay focussed will diminish too. And at that age, if we make a mistake or get screwed by the market and kena a huge drawdown, our runway of remaining years to recover from a market shock is far shorter than someone in his 30s and 40s.  That' s why all things taken into consideration, I decided to top up my RA. It was a painful decision back then. To give up so much cash is always painful. It was not a decision I could make instantly or without reservation. I thought about it for a while and then discussed with my wife. Her immediate reaction was " Yes, do it. It is a good thing. Do it" . Her reaction was an important encouragement for me. It made my decision-making ALOT ALOT easier. So my mind became firm that topping up my RA was the right thing to do and not only right thing to do but also MUST BE DONE. So I did it. And have NEVER regretted it. My only regret is I do not have more funds to put into RA to bring my payout to $3k.   As a result of talking to me, wifey also became aware of the importance of topping up RA to the max of ERS if one is able to. And so she has been working out a plan to start topping up earlier than later so that her savings can benefit from the compounding effect of the 4% interest which the CPF pays.  So Bro sanvan.... forget about buying another car. You really dont need it. Your children are all grown up and you do not have disabled loved ones to ferry around. It is not true that we cant live without a car. In Msia, yes, that' s true. In Spore, it isn' t true. Our public transport system is world class. Foreigners who come here for vacation or for work all wish they can have the same public transport in their own country. Think about what I have shared here and go do your math. Think hard about how much payout you want per month when you turn 65. Then use that figure to work backwards to arrive at how much you need to top up your SA or RA now. The sooner you do that top-up, the more you will benefit from the compounding effect of interest. If you wait 5 years to top up, you lose 5 years of interest compounding effect. Just to illustrate, a sum of $100k will become $121,665 after 5 years of interest compounded at 4%.  To work out how much you need to have to achieve the desired payout you want, log in to CPF website with your SingPass and search for CPF LIfe payout estimator and take it from there. http://www.cpf.gov.sg/member/tools-and-services/calculators/monthly-payout-estimator sanvan      ( Date: 02-Jun-2026 13:20) Posted: General Wave , Congratulations to you, and to Sis Halle for her hubby too, for the CPF pay outs.  Nice to have a payout monthly without work. Passive income. I got to wait another 4 years for approx $1.3k.
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wavehunter Supreme	02-Jun-2026 14:07        wavehunter About Contact  Quote this Post!   Yells: "Trade what you see, not what you hope to see."
x 0   x 0  Alert Admin	Bro sanvan, I was at $1300 too. When I turned 55, CPF Board set aside $161k from my savings to put into RA. That was then the Minimum Sum. At that time, there was no BRS, FRS and ERS. Just a Minimum Sum which everyone must set aside if they have more than $161k. The rest they can withdraw if they want to. Those with less than $161k...nothing to withdraw. CPF will take all the savings to put into RA. Had I not done anything else, that $161k would have earned 4% interest compounded for 10 yrs till age 65. Then at age 65, my $161k plus compunded interest would have given me a payout of only $1300. After listening to advice from the people who were then regulars of this thread, I thought about it and came to the conclusion that I should top up my RA with cash. That means less trading capital. But the trade off is I am using trading capital to buy for myself an iron-clad safety net. If I hold on to cash, I must be able to generate $1050 per mth every mth for life with that same cash. But if I put that cash into my RA, I will receive $1050 more every mth without worry and without breaking a sweat. So I pain pain used $167900 from my trading capital to top up my RA. As a result, my payout increased by $1050 to $2350 per mth. If I keep that $167900, to get $1050 per mth out of it means I must make $12600 per year . That' s a rate of return of 7.5% per year which I must be able to repeat year after year for the remainder of my lifetime. Can I do that ? We musnt forget that as we grow older, our cognitive abilities to analyse market trends, charts and data will diminish. Our ability to stay focussed will diminish too. And at that age, if we make a mistake or get screwed by the market and kena a huge drawdown, our runway of remaining years to recover from a market shock is far shorter than someone in his 30s and 40s.  That' s why all things taken into consideration, I decided to top up my RA. It was a painful decision back then. To give up so much cash is always painful. It was not a decision I could make instantly or without reservation. I thought about it for a while and then discussed with my wife. Her immediate reaction was " Yes, do it. It is a good thing. Do it" . Her reaction was an important encouragement for me. It made my decision-making ALOT ALOT easier. So my mind became firm that topping up my RA was the right thing to do and not only right thing to do but also MUST BE DONE. So I did it. And have NEVER regretted it. My only regret is I do not have more funds to put into RA to bring my payout to $3k.   As a result of talking to me, wifey also became aware of the importance of topping up RA to the max of ERS if one is able to. And so she has been working out a plan to start topping up earlier than later so that her savings can benefit from the compounding effect of the 4% interest which the CPF pays.  So Bro sanvan.... forget about buying another car. You really dont need it. Your children are all grown up and you do not have disabled loved ones to ferry around. It is not true that we cant live without a car. In Msia, yes, that' s true. In Spore, it isn' t true. Our public transport system is world class. Foreigners who come here for vacation or for work all wish they can have the same public transport in their own country. Think about what I have shared here and go do your math. Think hard about how much payout you want per month when you turn 65. Then use that figure to work backwards to arrive at how much you need to top up your SA or RA now. The sooner you do that top-up, the more you will benefit from the compounding effect of interest. If you wait 5 years to top up, you lose 5 years of interest compounding effect. Just to illustrate, a sum of $100k will become $121,665 after 5 years of interest compounded at 4%.  To work out how much you need to have to achieve the desired payout you want, log in to CPF website with your SingPass and search for CPF LIfe payout estimator and take it from there. http://www.cpf.gov.sg/member/tools-and-services/calculators/monthly-payout-estimator sanvan      ( Date: 02-Jun-2026 13:20) Posted: General Wave , Congratulations to you, and to Sis Halle for her hubby too, for the CPF pay outs.  Nice to have a payout monthly without work. Passive income. I got to wait another 4 years for approx $1.3k.
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halleluyah Supreme	02-Jun-2026 14:03        halleluyah About Contact  Quote this Post!
x 0   x 0  Alert Admin	most likely turning green soon.........then up n up......... spore1      ( Date: 02-Jun-2026 12:20) Posted: Buy no scare, scare no buy. wavehunter      ( Date: 02-Jun-2026 11:17) Posted: Relax Bro Ryan. You may not know this but Bro spore is a general with a 5-million strong army. For all we know, 5-million could be just the amount to speculate in stocks. More millions are already parked in properties giving him rental income and in bonds giving him interest income. Trading the market is a game where the more capital you have to average down a good stock which pays good dividends, the higher your probability of winning. If this were not so, why do you think fund managers collect tons of money from investors and what do they do with all that money ? They buy stocks. They dont buy properties. They put some of that money into bonds, gold etc but most of their money is in stocks where the capital growth is. When you buy a good stock with growth potential and some more it pays decent dividends and you have the capital to average down and the financial muscle to hold your positions, one fine day your stock will find a bottom and turn back up and that' s when every single share you have bought becomes profits. Bro spore has been doing this quietly for a long time and quietly HUATing. He is not one who boast about he how good and how good. He just stays humble, adopts a low profile, and then move his 5-million strong army to capture more and more bear territory. He is in a good position. One which is envied by many of us.
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halleluyah Supreme	02-Jun-2026 14:00        halleluyah About Contact  Quote this Post!
x 0   x 0  Alert Admin	bro ysh, its not ah kong gives, its yr own savings in cpf which will be given out monthly...if mati, balance gives to yr loves one...ah kong only gives cdc vch... ysh2006      ( Date: 02-Jun-2026 13:49) Posted: How to tell a person can last for how long ?  if Govt give I think I will take it first , Money in pocket that is mine I can count lah ...
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tongphlp Supreme	02-Jun-2026 13:56        tongphlp About Contact  Quote this Post!
x 0   x 0  Alert Admin	congrats bro!~ wavehunter      ( Date: 02-Jun-2026 10:43) Posted: What a pleasant surprise this morning. I just received my very 1st paycheck from CPF Board for my 30 long years of hard work. Yayyy !!!
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ysh2006 Supreme	02-Jun-2026 13:49        ysh2006 About Contact  Quote this Post!
x 0   x 0  Alert Admin	How to tell a person can last for how long ?  if Govt give I think I will take it first , Money in pocket that is mine I can count lah ...
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MrBear12 Supreme	02-Jun-2026 13:37        MrBear12 About Contact  Quote this Post! Style: Combined   Mood: Yells: "Cast all our anxieties on Jesus for He cares for us"
x 0   x 0  Alert Admin	happy birthday! and may God bless you! Enjoy your payouts forever! wavehunter      ( Date: 02-Jun-2026 11:02) Posted: This is not CDC money lah. Its my " pension" from CPF Life on turning 65. In time, you will receive yours too. ysh2006      ( Date: 02-Jun-2026 10:53) Posted: May ask why so long they send money to you ? CDC don' t need by cheque...
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halleluyah Supreme	02-Jun-2026 13:32        halleluyah About Contact  Quote this Post!
x 0   x 0  Alert Admin	tq bro sanvan....i extend till 70 then take out...compunding at 4% is gd to me liao.... sanvan      ( Date: 02-Jun-2026 13:20) Posted: General Wave , Congratulations to you, and to Sis Halle for her hubby too, for the CPF pay outs.  Nice to have a payout monthly without work. Passive income. I got to wait another 4 years for approx $1.3k.
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halleluyah Supreme	02-Jun-2026 13:30        halleluyah About Contact  Quote this Post!
x 0   x 0  Alert Admin	the chicken also must able to lay eggs wan... wavehunter      ( Date: 02-Jun-2026 11:26) Posted: Thank you Sis halle. When it comes to good lobang about where to park money for the best interest income, I think in this thread, you are the " go-to" person. I wonder if there is an app or site which regularly collates all these lobangs to help people find the best places to park idle money. 7% is good. It is like investing in FLCT or Capland Ascott Trust when they are trading at 80 cts to 85 cts. Yield is above 7%. If I want to do the same, I will look you up again. But probably not. Whatever remains of my savings from my monthly payout, each time I accumulate to 10k, I will probably look for a good chicken to hug and cuddle. SingTel is one such chicken. I will be looking for more. Especially those chickens which can run fast. halleluyah      ( Date: 02-Jun-2026 11:09) Posted: wow kong xi kong xi...finally the day comes...my ah lau cpf $ received monthly, keep then yr end dump into AIA wealth venture (ilp) ...yearly div abt 7.0x which paid every quarter, dun take n let it compound...
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sanvan Veteran	02-Jun-2026 13:20        sanvan About Contact  Quote this Post!
x 0   x 0  Alert Admin	General Wave , Congratulations to you, and to Sis Halle for her hubby too, for the CPF pay outs.  Nice to have a payout monthly without work. Passive income. I got to wait another 4 years for approx $1.3k.
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sanvan Veteran	02-Jun-2026 13:16        sanvan About Contact  Quote this Post!
x 0   x 0  Alert Admin	Singtel seems to have held on at 4.30 quiet well so far.  Let' s see if it breaks in the afternoon.  If it closes well today, say at 4.34, that would be welcome.
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spore1 Supreme	02-Jun-2026 12:20        spore1 About Contact  Quote this Post!
x 0   x 0  Alert Admin	Buy no scare, scare no buy. wavehunter      ( Date: 02-Jun-2026 11:17) Posted: Relax Bro Ryan. You may not know this but Bro spore is a general with a 5-million strong army. For all we know, 5-million could be just the amount to speculate in stocks. More millions are already parked in properties giving him rental income and in bonds giving him interest income. Trading the market is a game where the more capital you have to average down a good stock which pays good dividends, the higher your probability of winning. If this were not so, why do you think fund managers collect tons of money from investors and what do they do with all that money ? They buy stocks. They dont buy properties. They put some of that money into bonds, gold etc but most of their money is in stocks where the capital growth is. When you buy a good stock with growth potential and some more it pays decent dividends and you have the capital to average down and the financial muscle to hold your positions, one fine day your stock will find a bottom and turn back up and that' s when every single share you have bought becomes profits. Bro spore has been doing this quietly for a long time and quietly HUATing. He is not one who boast about he how good and how good. He just stays humble, adopts a low profile, and then move his 5-million strong army to capture more and more bear territory. He is in a good position. One which is envied by many of us.  mav1ryan      ( Date: 02-Jun-2026 10:56) Posted: you are catching a fallen knife :
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wavehunter Supreme	02-Jun-2026 11:26        wavehunter About Contact  Quote this Post!   Yells: "Trade what you see, not what you hope to see."
x 0   x 0  Alert Admin	Thank you Sis halle. When it comes to good lobang about where to park money for the best interest income, I think in this thread, you are the " go-to" person. I wonder if there is an app or site which regularly collates all these lobangs to help people find the best places to park idle money. 7% is good. It is like investing in FLCT or Capland Ascott Trust when they are trading at 80 cts to 85 cts. Yield is above 7%. If I want to do the same, I will look you up again. But probably not. Whatever remains of my savings from my monthly payout, each time I accumulate to 10k, I will probably look for a good chicken to hug and cuddle. SingTel is one such chicken. I will be looking for more. Especially those chickens which can run fast. halleluyah      ( Date: 02-Jun-2026 11:09) Posted: wow kong xi kong xi...finally the day comes...my ah lau cpf $ received monthly, keep then yr end dump into AIA wealth venture (ilp) ...yearly div abt 7.0x which paid every quarter, dun take n let it compound.... wavehunter      ( Date: 02-Jun-2026 10:43) Posted: What a pleasant surprise this morning. I just received my very 1st paycheck from CPF Board for my 30 long years of hard work. Yayyy !!!
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wavehunter Supreme	02-Jun-2026 11:17        wavehunter About Contact  Quote this Post!   Yells: "Trade what you see, not what you hope to see."
x 0   x 0  Alert Admin	Relax Bro Ryan. You may not know this but Bro spore is a general with a 5-million strong army. For all we know, 5-million could be just the amount to speculate in stocks. More millions are already parked in properties giving him rental income and in bonds giving him interest income. Trading the market is a game where the more capital you have to average down a good stock which pays good dividends, the higher your probability of winning. If this were not so, why do you think fund managers collect tons of money from investors and what do they do with all that money ? They buy stocks. They dont buy properties. They put some of that money into bonds, gold etc but most of their money is in stocks where the capital growth is. When you buy a good stock with growth potential and some more it pays decent dividends and you have the capital to average down and the financial muscle to hold your positions, one fine day your stock will find a bottom and turn back up and that' s when every single share you have bought becomes profits. Bro spore has been doing this quietly for a long time and quietly HUATing. He is not one who boast about he how good and how good. He just stays humble, adopts a low profile, and then move his 5-million strong army to capture more and more bear territory. He is in a good position. One which is envied by many of us.  mav1ryan      ( Date: 02-Jun-2026 10:56) Posted: you are catching a fallen knife :) spore1      ( Date: 01-Jun-2026 14:56) Posted: Can consider for chicken run for SingTel. Nibbled small units at 4.36
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halleluyah Supreme	02-Jun-2026 11:09        halleluyah About Contact  Quote this Post!
x 0   x 0  Alert Admin	wow kong xi kong xi...finally the day comes...my ah lau cpf $ received monthly, keep then yr end dump into AIA wealth venture (ilp) ...yearly div abt 7.0x which paid every quarter, dun take n let it compound.... wavehunter      ( Date: 02-Jun-2026 10:43) Posted: What a pleasant surprise this morning. I just received my very 1st paycheck from CPF Board for my 30 long years of hard work. Yayyy !!!
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wavehunter Supreme	02-Jun-2026 11:02        wavehunter About Contact  Quote this Post!   Yells: "Trade what you see, not what you hope to see."
x 0   x 0  Alert Admin	This is not CDC money lah. Its my " pension" from CPF Life on turning 65. In time, you will receive yours too. ysh2006      ( Date: 02-Jun-2026 10:53) Posted: May ask why so long they send money to you ? CDC don' t need by cheque...
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mav1ryan Veteran	02-Jun-2026 10:56        mav1ryan About Contact  Quote this Post!   Mood:
x 0   x 0  Alert Admin	you are catching a fallen knife :) spore1      ( Date: 01-Jun-2026 14:56) Posted: Can consider for chicken run for SingTel. Nibbled small units at 4.36 wavehunter      ( Date: 01-Jun-2026 11:02) Posted: I think it is a fact that if you raise a chicken ever since it was a chick, you cant bring yourself to slaughter it and eat it. And so you will do what most people will do - let it go. Let it live. If others catch it and eat it, so be it. Just dont be the one to kill it and eat it. Becoz you raised it.  So what I think the Town Council can do is to offer a platform for like-minded pet chicken owners to meet up and exchange their unwanted chickens. That way, they dont have to be the one to slaughter their own chickens. Somebody else will do it. And they get to slaughter and eat somebody else' s chickens in return. That way, no more wild chics running around in the neighbourhood. Problem solved.
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ysh2006 Supreme	02-Jun-2026 10:53        ysh2006 About Contact  Quote this Post!
x 0   x 0  Alert Admin	May ask why so long they send money to you ? CDC don' t need by cheque...
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