As the years roll and I am already 46 years old, I am finding it increasingly harder to set really hard resolutions or goals for myself. I have fine-tuned my life to the point where I have very few wants. If I really do have a want, I can probably get it with a snap of my fingers.  a) Personal finances  The amount of money I directly manage not counting real estate and CPF exceeds what people would normally term as Fuck-You money. Even if I yield 4.5%, it would mean a five-digit stipend every month. So 2020 was the time I shifted from wealth accumulation to wealth preservation - balancing outperformers to offset the laggards so income can be maintained at a comfortable level.  I think the work of capturing the upside of 2021 has to be done in 2020. Like many investors, I have already started...