With other people's money comes great responsibility. Well, over the last couple of days, I was doing intensive research on the various preference shares, corporate bonds and sg bonds. I decided that I'll just put those funds in fixed income instead of equities so that things are a lot more predictable. I'll have predictability in cash flow and more stability in portfolio value. I'm always thinking that I'm the one who's guaranteeing the money, so I better play it safer. It's always a compromise between yield and risk of loss of capital, so I'll have to balance it to seek the returns that I want. First of all, after doing a table of all the instruments that I'm looking at, I did a spreadsheet to see how different portfolio allocation can affect the overall yield, the actual cash flow and also the possible gains/losses if there's early redemption (this is ......