Five Cents Ten Cents

Financial freedom, one realistic step at a time.

Panzer’s Road Map to Financial Freedom

This entry is part 1 of 3 in the series Journey

I am starting a manga series using Comipo tool based on my ebook “Road Map to Financial Freedom”. I will try to publish about one comics panel a week but if I don’t have much free time, I may post less frequently. Let me know your comments about this method of conveying the principles of financial freedom in manga form. :-)

Be well and prosper.
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»crosslinked«

Wishing all readers a Happy Lunar New Year of the Dragon 2012!


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Wishing everyone a Happy Lunar New Year of the Dragon 2012.

May your journey towards financial freedom be filled with wisdom, patience and success :-)

Be well and prosper.

Starting on a New Slate for Investments 2012


The start of the calendar year brings with it the risks and opportunities as I seek to achieve a return beating inflation for 2012. In 2011, total inflation hovers around the 5.7% figure so if my investible net worth portfolio was to beat this 5.7% figure, I would have to rely on dividend income plus some tactical punts to achieve that returns.

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My net realised returns for 2011 was about 4.7% which barely kept up with total inflation. However, it did beat my internal benchmark of 2 x fixed deposits (12 months banks FD rate) interest rate of 0.4%.

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