With just over a day before the new year, I think it's about time to sit back and self reflect about what are some of the things that I expect in the new year 2018. I wanted to originally do a target to achieve in the new year but quickly changed it afterwards because not everything is a target. Some are events that will just happen with the flow of time. 1.) Achieve a portfolio target of 10% returns Since this is a finance blog, I think it is still something which I must put in mind at the back of my envelope. I'm still looking to design for a portfolio that can achieve a long term portfolio of about 10% returns. I don't want to really stretch the returns to anything higher by taking unnecessary risks so the strategy is to go for lower beta returns but heavier ......