I always enjoy reading STE's very thoughtful guest blogs. Regular readers would know who I am talking about. If you are new to my blog, you might want to read STE's other guest blogs as primers. You will find his name in the left side bar of my blog under the heading "Guest Bloggers". Here is STE's latest contribution: Honey, I lost a 5 room HDB## value in our stock investment in 2015! Yes, that’s how our portfolio value fared as compared to Dec 2014 …but honey, don’t worry, market is such volatile in nature and this decrease is quite mild as compared to real crisis time e.g 1998 / 2000/ 2008 etc, which any portfolio value could be wiped out by 40 – 60%. “But how about next year’s performance ?” Well, we don’t have “ crystal ball “ to make any forecast, it might be better or worse ......