Its the end of 2015, let's see how close am I to my target :) I started building my portfolio in Oct 2014. This is a full year of 2015 results. STI vs my portfolio: My portfolio got hit by China stock market crash, oil crisis and Fed rate hike effect around Jul 2015 and STI has been a downtrend for the rest of the year. It was a tough year where we see the beginning of the bear market. At the end of 2015, there was still no recovery in sight although there was a relief rally during Oct 2015 but things havent changed much as we were still in the bear market. Portfolio by stocks: I am currently still in the process of diversifying my portfolio such that they should not exceed more than 5% of my total portfolio. I am still looking out for more high dividend ......