Wishing all of you a Merry Christmas and a Happy 2021.

Time really flies….. Before we can all come to terms with the new normal, that is likely to stay for awhile, Year 2020 is coming to an end.
2020 has been a crazy year with many things happening, which I summarizes with the 5Cs below..Covid 19 having a good time on EarthCrash in oil prices Circuit Breaker in SingaporeCrypto and US tech stocks having a bull runCovid 19 mutations joining the funFor some, 2020 would have been their worst year while for some, 2020 presents numerous opportunities for them. For me, 2020 has been kind to me. For a start, I am glad that I’m still employed and did not form part of the unemployment statistic. However, the uncertainties 2020 brings definitely nudges me to work harder towards planning for my financial security. I am also fortunate, to not