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. 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%.   Targets for 2012 Thinking ahead for 2012, I believe inflation will still hover around the 5% region, hence I would have to seek to grow my investible networth by 5% for calendar year 2012 just to keep the purchasing power of my networth portfolio intact. Thus, my target for 2012 will... Read the full article →