2015 is a very challenging year for investment, especially in the last two quarters of the year.  China market crashed from its height, devalued renminbi, fear of US interest hike and persistent low oil prices weighed heavily on the market.  Sometimes you think you are moving one step forward, but then you are actually forced taking two steps backward due to strong headwinds. In the month of August, my portfolio crashed $20K.  On the Black Monday (24th Aug), my total portfolio value marginally fell below the total invested capital value. My portfolio was set up using SGX, Starhub and SPH as foundation stocks, and Reits and other dividend stocks are supporting casts.  While the Reits and O&G counters got battered by the market downturn, luckily my foundation stocks are more able to withstand the barrage.  And on the same week of Black Monday, my ......