Year 2017 has been awesome for many investors. Based on many financial bloggers so far, double digits gain are a norm. And this keeps me thinking about how unfair to saver is where some will died for $1000 while those who are more adventurous makes $100K extra just sitting in his living room tweeting with his spare time.Even when one step out of his comfort domain, a double digits gain of 10K in absolute returns are no where near to one with 100K portfolio for example. And here come the chicken and egg things. We need to achieve a good size portfolio to benefit from scale and returns but we can’t jump the gun as we need to fall and learn when small, and grow them. This takes time for most people probably.

Saving and Net Worth

In 2017, I have achieved 45% in saving from salary and bonus. …