Feb is often a happy month of festivity and full of “feel good” feeling with Chinese New Year and Valentines Day anchoring the celebratory mood. For most of us who are working, it is also a month to commit to your target and make plans to realise them by end of the year.

Making plans is the easy part but realising them in this volatile and temperamental market is extremely challenging. But still like all self-improvement books will say, realising your dreams/targets all starts with making a plan.

I did my plan towards F.I.R.E too and it is virtually the same as last year.

I want to safeguard a portfolio that will yield me 5% passive income from dividend, make it sufficiently diversified to buffer against specific market risk/asset class risk and to move from individual companies into index (i.e. ETF) investing progressively.

Looking back at Jan and Feb, my first