2015 has not been a kind investment year. For this year, investing returns is negative 19.2% (due to the fall in Penguin and writing off fully China Fishery's value). Despite the negative investment returns, overall value of my portfolio has increased by $19,000 to the region of $238,000. This is due to my tendency of saving a high proportion of income earned from work; this shows why at a young age, saving is a good habit because the magnitude in loss/gain from a small portfolio will be outweighed by the savings we add to it. However, as we get older, inadvertently our portfolio gets larger. Then investment returns becomes a greater influencing factor than savings. Hence,  that is why investing should start from young - we can afford to make investment mistakes, learn from them and not suffer the large magnitude of losses, which would have taken place when we are older. For ......