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For 2020 I have made a total profit of S$12,362.31 from my equity investments(predominantly in HK) with an XIRR of 6.34%. From my 6 years of tracking, I have made a total of S$99,642.66 from this portfolio alone. 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 The large difference in my XIRR and TWRR is likely due to better and more efficient entry and exit for my equities this year. Bench marking myself against STI, HKSE and World Index: For previous month's portfolio review click here ...