It’s amazing, really. Each time i revisit this site to update with a post, i arrive at a sudden realization that 3 to 5 months has passed since my previous post. It really is time i change my title to “The 24 year Old…”, man i’m old. Before i delve into my financial strategy and expectations for 2020, i would like to reflect on my 2019 journey as well as to wish everyone a Happy Chinese New Year, may the year of the rat (my year :D) be a blessed and peaceful year for all. 2019 Looking back at my past few years, my XIRR has somewhat grown (apart from 2018 where there was a cyclical downturn). As a reserved investor with a low level of risk appetite, i am satisfied with my average rate of return of about 8%. Nevertheless, i am a little disappointed that my portfolio...