What a crazy ride 2018 was for the stock market! Since the massive bull run in 2017, Mr Market has decided to be humble and come back down to Planet Earth. My portfolio has also under-performed the STI by some margin. I pulled out some numbers from my blog to do a comparison: January: STI ETF @ 4.14% V.S. Time weighted returns @ 4.88% February: STI ETF @ 3.56% V.S. Time weighted returns @ -0.87% March: STI ETF @ 0.91% V.S. Time weighted returns @ -2.29% April: STI ETF @ 7% V.S. Time weighted returns @ 1.56% May: STI ETF @ 2.97% V.S. Time weighted returns @ -0.51% June: STI ETF @ -2.3% V.S. Time weighted returns @ -7% 2018 XIRR: -13.95% with a loss of -$39.53

Underperforming by 5 monthsAs you can see, I’m slipping by 4.7% below the STI ETF for practically the whole year of 2018.With ....

...