Please click and read this disclaimer if you wish to continue with the contents below. Bench marking myself against STI, HKSE and World Index: For last month's portfolio review click here  Year to date: STI Index: -17.53% HK Index: -5.81% My Portfolio: -5.35% World Index: +6.86% Three years trailing: STI Index: -16.18% HK Index: -2.03% World Index: +22.05% My Portfolio: +12% Year to date, I outperformed STI by 12.18% and HK by 0.46%, under performed the World Index by 12.21%. Three years trailing, I outperformed STI by 28.18% and HK by 14.03%, under performed the World Index by 10%. TWR(Time weighted return) is based on previous close of all my stocks daily, instead of my actual buy and sell price. A deeper understanding of my own portfolio is the XIRR which is money weighted and shows the true profit/lost I have incurred from all my investments till date:...