Our portfolio increase by 2.70% to $323,073 - $11,872.67 of capital injection and $3,385.77 of capital reduction. Today is another bloodshed, the value of our portfolio decrease by >$5k in a single day. Are we worried? No :) Let me share an old but gold article by the Motley Fool - How You Can Reduce Your Chances Of Making Losses In The Stock Market. Make a guess? Have a long investing horizon! It seems that some of our readers/friends/colleagues have been demoralized by the market. Numbers do not lie! The probability of losing money in 1 day is almost equivalent to a coin toss. However, based on historical data, there is a 0% chance of losing money if you stay invested in STI for 20 years (1992 to 2016). Just think about why the insurance companies/banks love to sell you long endowment/ILP, it is easy money for them because they just have to share a small return ......