This post is about two weeks late but in the world of stocks, bonds and cash, I doubt the difference is noticeable. Maybe a 0.1% difference in the overall XIRR? What’s more stark is that I have not sold stocks to raise more capital for crypto in the past year. (Bad call so far though.) Here’s the 15HWW Investment Portfolio: Annualised Return: 8.9% p.a. (Nov 2010 to Oct 2021) This portfolio probably lagged the US indices and maybe even the SG indices. US markets keep breaking new highs but my portfolio is just not feeling it.  I guess even having a rather small exposure to HK stocks have dragged the portfolio returns. The biggest change is probably the cash portion. I took plenty of cash and bonds and pumped it into the cryptosphere in July and August so one could observe the huge drop. Actually, it might as well be zero as I doubt I will allocate more cash to the traditional financial markets anymore....