Thought I'll do a review of 2016. On my own personal finances   Missed investing savings target of 18k/yr, Only hit about 15k this year. Had kept my expenses very low, however, had to fork out cash to buy and replace stuff that broke. My current practice on increments from my job is 50:50 split, 50% to savings/investments (rounding up to the nearest 50) and 50% to expenditure, I'll review again to see if it allows more buffer to spending in case of replacement (hope I get a nice increment too). On my Singapore Stock Portfolio Portfolio returns this year seems much better than I first started (finally turned it around despite all my prior blunders), I beat STI by a hair (~0.7%). But overall performance is very poor (-0.38% compounded, even a bank account returns better ^^"). Well, I'm giving myself about 4-9 more ......