As we leave 2018 behind and roll into 2019, first and foremost allow me to wish all A Very Happy & Prosperous 2019. I am sure 2018 was  a tough year for all investors as compared to 2017 where most of us may end up having negative return on our investment portfolio.  This is a big contrast to 2017 where we have achieved double digits growth in our portfolio. If you are still enjoying double digit +ve return this year, congratulation !! you must be an exceptional and extraordinary good one in picking wining stocks. STI close at 3068 in 2018 with -9.9% return since early 2018. For me, my portfolio end up worse than STI with -13.2% (including writing-off of $117K of Hyflux 6%CPS ) vs return of +24% last year.  This year will be the second year where my portfolio under-performed STI by 3.3% and another year was...