<This article first appeared in “Seedly” on 13th  Dec 2017 , one of the leading social network for investors who believe that anyone can achieve financial freedom with the right tools and the right mindset .  ( here ) >

Time flies and we are at the end of 3rd Qtr 2017 with Thanks Giving just around the corner and follow by Christmas celebration. I guess most of the investors including me are happy with their investment returns in 2017 as STI is up by 15.2% YTD and if you are the lucky one who have invested in Banking ,Electronic/ Chips Manufacturing stocks and few selected property counters, your returns should be much higher than STI. ” Gong Xi-Gong Xi ”

Well, most of the employee will also be receiving their Year End Bonus in Dec or early Jan ( if you are not in the …