Another year has passed and 2020 was not the easiest for everybody. Allow me to write down some of my reflections of the year and how I intend to prepare for the year ahead. Investment I am convinced that I am unable to pick the right stocks. Hence, I have moved away from buying individual stocks and began an index based portfolio consisting of IWDA, EIMI and ES3. I had been consistently investing monthly into this portfolio since 2017. The portoflio wasnt very badly affected during the market sell-down in Mar 2020. Referring to Fig 1, the worst month was when the portfolio value fell by 7% at the end of Feb 2020. Fig 1. IWDA + EIMI + ES3 portfolio P&L as a percentage of invested capital at the end of each month in 2020 Based on my experience, I believe that monthly DCA of index funds/ETFs is still the way to go for me....