Dear Gerald, I remember seeing one of your blogs around end of December which listed your stock holding as at end 2014. I was just going through your blog again but I couldn’t find that anymore. Could you please let me know if that was deleted or it’s still there just that I missed it. Cheers! Cindy I received the above email from one of my readers recently. In view of the historic highs recorded by the US stock market, I have sold off all my stocks since last year and re-position my fund to upgrade to a new and bigger house. I feel that given the current stock market climate, the risk premium is not worth my investment dollars as it is so hard to identify good companies worth investing for the long term and trading at reasonable price. However, I still believe the stock market present many opportunities ......