Let's take a look at how our overall portfolio did for the year 2018. If you prefer looking at a graph. Ideally, the red line should be above the orange line >.<" For the year 2018, our portfolio time-weighted return was -10.37% vs -6.63% (ES3: STI ETF). The overall performance since 2014 is -1.56% (time-weighted return) and 0.35% (XIRR). This is pretty bad and I will go into details later. If you are wondering what is the difference between time-weighted return and XIRR, do read this article by common fund. In short, XIRR takes cash flows into account while time-weighted return does not so the way they are calculated is different. Looking at the top 5 losers and you can see that these are huge losses: 1. APAC Realty (average price $0.862 vs current price $0.465). This was one of our best investment when it went up to $1.20+. Then the cooling measure came and everything...