It has been half a year since my previous post and 2014 was a decent year with regards to my investment returns. Despite being about 61% invested in 39% in cash and cash equivalents, I managed to generate a return of around 3.12% for the year. This is not huge but still beats returns on time deposits. The interesting thing I note is that the bulk of my returns came from dividends, followed by interest from fixed income securities (Singapore Government Bonds and Corporate Bonds) and finally capital gains from the occasional punt. In short, I spent less time on managing my investments but still performed better than 2013 (1.88% annual return). In my journey towards financial freedom, I am inching closer to my target but realise that in nearing the destination, my journey has made me a different person who now understands that happiness is more in the process ......