Every three to four years, we revisit the topic issue on the importance to keep a warchest in our portfolio. This comes always on the back of something that is brewing, like the Eurozone crisis in 2011, the oil and China crisis in 2016 and the Trade War and HK protests in 2019. As the name itself implied, having sufficient warchest in your portfolio means you are keeping a sum of money that is ready when you are needed to go to war.  The thing is this, we always take things granted in our lives, especially when everything are looking good and the sky is shining clear and bright. When times are good, we don’t treasure them hard enough and often it gets overlooked with something which may seem more urgent to us. However, when things go sour, or when we lose it, we wish we could have put