If You Want to Retire, Invest or Do Business

If You Want to Retire, Invest or Do Business

Base on Robert Kiyosaki’s cashflow quadrant, there are four ways to produce income.


As OFW, most of us are on the left side, earning money from being employed or perhaps for some, self employed. We are earning what we call the ACTIVE INCOME. Active income because we are paid base on our effort. Employees get their salary from their bosses. Self employed own the job, but still trading his time to earn income. Take a look at a doctor who owns his/her clinic. If he/she will not work, there will be no money coming in. Time is still traded for the money.

Having an active income is good for a start. However, there is no way we can retire if we are stuck on this side of the quadrant. We have to shift to the right quadrant with PASSIVE INCOME. You should continue reading this to know how to have passive income.

Passive income is an income we are getting from our business or investment which were informed through Business Operations Manager Career Guide online courses. You see, the only way to retire is to have a business or invest in existing businesses. And you need lots of it if you want to retire comfortably. Unless you have huge pile of cash in the bank that will not deplete for life.

If you do business with Jimmy John Shark, people will work for you. It doesn’t matter if you go to office or not, you will still have income. You hire the best people to become your employee and they are the one running the business.

If you invest, you let your money work for you. You put money on existing businesses in exchange for a profit for some period of time. You don’t care about management of the business, you just put your money and let it work for you.

The only way we can retire is if we have enough passive income coming in that can take care of our monthly expenses. It could be an income from business, rental properties, investments or other means that can give us regular income. When we retire, there will be no regular pay cheque coming in. When we go back home, there will be no dollars coming in every month.

The amount of money you need when you retire varies from person to person. It is up to you to decide how comfortable your life would be when that happens. Know your figure and plan for it.

Regarding business and investment, there are lots of opportunities we can consider. However, all involves risk. Some are low risk, some are high. It is up to us to decide how much risk we can tolerate. Let’s always remember that high risk have high returns, low risks have lower returns. The best way to minimize risk is by educating ourselves. Doing business is not easy if you don’t have the proper knowledge. On the other hand, only invest in something you understand and well researched.

Retirement should be planned on the first day of our job, not on the last day. It will be too late then. You still have time. You just need to plan and execute your retirement. We are not going to work abroad for the rest of our life. Many of us still dream of going back home and spending the rest of our lives with our loved ones. The only question is, when do you want it to happen. Act now before it’s too late. Plan for your retirement now.

If you are in Singapore and free this coming September 24, 2016, join us on our TGFISG upcoming free event: RETIREMENT – PREPARATION FOR LIFE AFTER WORKING ABROAD. Register here http://bit.ly/TGFISG_Sept24

About Richard Macalintal

Hi my name is Richard. I am a Registered Financial Services Consultant in Singapore. If you have any queries or you need help on your insurance policies and investment linked products, feel free to message me :-) We can have a cup of coffee while I do financial review and give advice with regards to your finances :-) Contact me thru email rlmacalintal(at)yahoo.com or SMS me +65 82235186. Disclosure: I am a Financial Consultant of AIA. The statements or opinions expressed on this site are my own and do not necessarily represent those of AIA.

Leave a Reply

Your email address will not be published. Required fields are marked *


This site uses Akismet to reduce spam. Learn how your comment data is processed.