3157 being the HK Small Caps Tracker 6th Year of Investing. Given what has happened throughout the year to the world, to the people around me and to myself.....I would say this is a good year. Entered the year being <50% cash as well which definitely means firing has to be more cautious. Of course the 18.21% is inflated as my largest holding stock went ex-dividend and there was no drop in price (due to lack of volume) despite a dividend yield of around 9%. Hence i would say the more accurate figure would be around 14-15%. I am a net spender this year as well as i bought more than i sold. Unfortunately despite a record spending this year, returns have not been as high as what i see from others lol. Most of my losses came from large caps, probably a sign i should have more holding conviction/ avoid large caps for myself....