STI closed at 2729.91 today, officially in a bear market declining 23% since its 1-year high of 3,539.95 on Apr 2015. While many are busy selling yesterday and today, I am busy buying. This is according to my strategy since being patient for several months now. “Patience for a reason!” Remember your strategy is only as good as what you had planned earlier. What you plan is only as good as what you learnt. What you learn is only as good as how much you understand your own situation the best. Therefore understand yourself well. Different people will have different strategies. Very often, it also depend on other financial or real life factors outside your stock portfolio, such as your work stability, any family stress, or personal mental well-being or even ask if your health be affected. The “spare cash” or “warchest” like many people ......