I was away mostly for vacation in December. As I was enjoying quality time with my family, I was pretty much isolated from what's happening in the market. Total portfolio was down -0.07% ($191.69) for the year, and 2015 was the first year the portfolio return was negative. Total platform fees paid for 2015 were $772.46 and these hadn't included annual management fees of the funds. When all the fees combined, was it a drag to the portfolio performance? Yes absolutely in my opinion. Below was the summary of my transactions in Dec 2015: 1. Bought Aviva Inv Glb HY Bd Am USD(SGD) $1,293.20 ......