Well, not very nice year, hope it goes down more :P After reading some discussions, I might want to do XIRR one day (will figure it out). I'm also changing to an annual update than quarterly (too short to measure performance). Getting a new job (working on a sideline as well), I'm having more cashflow coming in, but commitments also increased (not really due to my own expenditure, but contributions to family), hopefully 2016 will readjust to minimise expenditure (though I think it is pretty maxed out without killing too much of lifestyle, considering mine is pretty minimal) and look to increase income more. --- Well, here is my 4th quarterly report on my portfolio. Still looking to improve as time goes by. I have consolidated my entire portfolio and cash into one table for simplicity. Investing Portfolio Anndddd, ouch. Bought some First REIT and Silverlake Axis in ......