Last year, I did two major sell-off from my portfolio. Eventually I ended up with as much as 75% cash from my stock-bond-cash-portfolio at one point and continue to hold more than 60% cash up to end of last year. The first sell-off was just before 22 Aug 2015 when somehow I do not feel good after the China July first stock market crash. I blogged about it. Refer here. The second major sell-off was right after I visited a respected elder "my ex-boss" for the sake of presenting to him a small gift and a card to tell him how much I am grateful to him. For without him, I will not have what I have today both in wealth and more importantly the much improved wisdom in life. In return, he handed me a book to read - "The Harbinger"! I also blogged about it.......