Everything in percentage. There are mainly two areas which I will focus on here.

Dividend Play

About 50% in dividend focus equity (Trust/Reit). This will probably move to higher allocation in 2019. Net-link Trust will need to be watched closer as currently is a little over-allocated. Need to pay attention on how 5G plays out. One way is to increase my other dividend holdings. There are also good amount in Frasers and Maple families which are quite popular with investment community and I think is rightly so. Will it continues to do well in 2019 ?

Index and Bank

With rising rates, Banks will naturally benefits from it unless recession hits us. There are lots of noise in the market current whether 2019 is bull or bear. If I compute correctly,