You Don’t Need to Wait Until 65 Most people are conditioned to believe retirement only begins at 65, after decades of work and total dependence on government pensions. That model is outdated. Early retirement is not a fantasy. It is a financial strategy. You may wonder, why am I saying all this? It's simple, because my friend did this and it works! Assuming you start around age 30, you can realistically build your own income stream within 15 years, enough to live comfortably in a low-cost country like Thailand without waiting for politicians or pension systems. The method is simple, disciplined, and repeatable. The Core Idea: Build Your Own Monthly Income Instead of saving blindly, you build a dividend income engine. Invest at least USD 800 per month Spread across 12 di
Long-Term Investing: Look at ROE or PE?
Many investors have heard the idea that “long-term compounding ≈ ROE.” This concept was first put forward by Charlie Munger, known as the Munger Rule. In his 1981 shareholder letter, Warren Buffett also pointed out that if PE remains unchanged, a company with 14% ROE will generate a long-term investment compound return of 14% as well. When picking stocks for the long run, do you focus more on ROE or PE? Why? Do you think ROIC and FCF are more important than ROE in compounding? If you could only choose one metric for a 10-year investment decision, which one would it be?
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