As of 31 December 2018
Total Portfolio Unrealized Gain/ Loss: -$745.50
Total Dividend Collected: $74,855.89
XIRR (Since Inception): 4.85%In 2018, my portfolio has lost all its lustre as all the unrealized gains were wiped out in 2018. But there is no reason for me to panic as the dividends collected over the years provided some buffer for my portfolio to go into retreat, which is why I continued to stay vested. We are now half-way through the first month of 2019 and STI has rallied around 7%. Hopefully the rally will persist.

I considered myself as an ‘aggressive’ investor with a conservative portfolio. I am prepare to just hold 10% in cash and invest the remaining into different assets. Since I am putting almost all my spare cash in, I chose to build a more diversify and conservative portfolio. This would mean compromising on returns by diversifying into assets with lower or