Dear readers, time flies and we are now into February 2018 and I hope you had a very productive January 2018. For most of us who are full-time working, I understand it is not easy to juggle work and family, and not to mention trying to free up some time from the busy schedule to do something toward one’s personal goals, usually at the end of a tired workday. But my advice is always to start small. Do something small everyday, even a tiny step and you can achieve much towards your personal goals over time. I hope the above preamble will be useful and motivating to you; just as how the STI for the month of January 2018 has motivated investors for most of the month before the excitement fizzled out. Let us just trace the performance of the Singapore stocks markets. On the first trading day of year ......