Unfortunately, we didn’t get a Santa rally to cheer us up for the holidays. December ended deep in the red, and took our portfolio down with it. The Family Portfolio performed somewhere in between S&P 500 and Nasdaq 100 for the year 2022, but the Personal Portfolio took a bit hit with Tesla getting hit hard in December. Outside of stocks, I’ve been focusing a lot on optimising yields on idle cash lately in view of higher interest rates and inflation eroding buying power significantly. Next, I’ll be taking aim at expenses to help cushion the impact on our savings. Read also: How I Manage My Cash Between SSB, T-Bills, Fixed Deposits and Cash Funds With shorter term income instruments yielding higher and stock prices falling lower, there’s a tug-of-war between securing higher yield for the short term or investing into beaten down stocks for the long term. I’m taking...