By The Boy Who Procrastinates – January 12, 2019

With a blink of an eye, 2018 has drew to a close. Time seems to be passing so quickly as we get older. As another year winds down and we forge ahead into 2019, it is the perfect opportunity to pause for a moment and reflect on everything we have experienced and achieved during the past 12 months.

One day you will look back and see that all along you have been blooming.
– Morgan Harper Nichols

The tumultuous 2018 marks one of the most volatile years for the global stock markets, with massive swings in both directions on a frequent basis. The STI too was caught in the market pullback, tumbling a total of 10.54% last year which saw considerably losses in investors’ portfolios. Alas, mine was not spared as well.

On a personal level,