When I first started investing my Supplementary Retirement Scheme (SRS) funds 7 years ago, I wondered how should I invest the money. Should I invest in the same way as my cash account, i.e. adopting market timing and buying individual stocks, or should I keep it as a cash reserve to be used during severe market crashes like my CPF funds? If I invest like my cash account, I wondered what if my investment strategy had been wrong all this while? Would I then still have sufficient funds to retire? Since the SRS account is small compared to my cash account, I decided to invest it in a different way from my cash account, as a form of hedging in case my investment strategy turns out to be wrong. It also serves as a test lab to try out different investment strategies. After 7 years of experimenting, I think ...