Portfolio management is one of the most important success factor when it comes to personal finance. As we move through different stages of life, we tend to do different things, pick up certain knowledge and set various goals. Because of the psychology involved, endless changes and unknown factor of the market dynamics, it becomes a very interesting chapter where there is always something to think about. This has become something where everyone has a part to play for throughout their life journey and is something where we are able to control within our grasp if we do it properly. Generally speaking, everyone started off from the wealth accumulation stage at first where savings take priority because we assume the majority of folks are starting off from ground zero. From the moment we are young when we tend to receive occasional red packets or allowances from our parents, ......