Time flies and we are in the last month of the year 2020 and I think most of us (investors) are busy calculating how much passive income or dividend we will be receiving in 2020. As we are still surrounded and suffered from Covid-19 pandemic and just have little hope on the vaccine’s development recently, market sentiment has improved slightly. This year is not a good year for so-called “value investors “as most of the companies had either reduced or suspend their dividend pay-out due to economic recession caused by Covid-19. I guess most of us are suffering from getting lower dividend income but you will be happy if you are a “growth investors” with full of tech stocks in your portfolio as some of these tech stocks have gone up much by few hundreds % e.g  (Zoom Video+692%),(Salesforce.com +149%), (Fastly +400%), and also EV manufacturers ( Tesla +615%), (NIO +1467%), (Xpeng +640%) etc....