2016 is my first full year of investing and it has taught me a lot of lessons. I believed the same applies to many others who tried to beat the market. Nevertheless, it was a decent year for me. Before I share my 2016 track record, here are my hits and misses. Hindsight/Highlights of 2016: • Finally graduated from university and found a better paying job with greater prospects. Degree may not be something great nowadays but it can be considered an important investment for corporate workers like us. • With the new job, I finally start earning better interests from my OCBC 360 account. This shall add on to some growth with the risk free “investment”. As per my situation, it can earn me 1.75% interests annually. As this is our savings, we can feel safer to place more money there. • The outlook of my initial ......