Net Worth Rather conservative in my money so far in 2016 mainly due to the poorer economic expectation. However I am not entirely convince there will be a major crisis in the scale of 2008 Financial Crisis that requires me to pull the plug in my investments. Trending up much YTD (Year to date) with the increase due to higher cash position not allocated to investment. Chart is rather flat for past one and half year due to larger increase in property expenses,  spending to support a better Lifestyle ( yeah ! ), China Market Crash ( Shock ! ) and Taxes Paid  ( sad ... ). Interim SGX Equity Investment XIRR: +3.84% YTD (Today compared to 31 Dec'15) STI Index: -3.36% YTD (Today compared to 31 Dec'15) Quite please with the current returns compared to Index. I still makes a number of conservative "mistakes".

1. Being slow in reducing unprofitable ...