A new year is the perfect reason for a fresh start! (Psst, as my way of thanks to all of you readers who have been supporting me all this while, I'm giving away a free financial resource pack as a new year gift! Read on to find out more! Huat ah!) Undeniably, 2015 had been a reallllllly bad year for making money for investors everywhere. Stocks, commodities, currency funds are all in the red, and the meagre returns in bonds are barely keeping up with the rate of inflation in the global economy. That wasn't always the case. The first half of the year was in fact quite healthy. Many were sitting on profits and actively buying stocks. Stock prices went up by quite a bit during this period. Not too much (if they shot up, that would have been a warning sign that a correction was about to ......