As we step into 2023, we are greeted with higher prices, taxes and interest rates. What’s more, we have no idea since when good news has become bad news. The government gave every Singapore household $300 CDC vouchers because we have to pay 8 percent GST now. Healthy GDP growth means inflation is going to stay high. Even US stock prices drop on positive employment, consumer spending and manufacturing data – just because the good numbers provide a valid reason for Federal Reserve to continue rate hike. 2022 is a year that many investors would rather forget. “Since the start of the year, every now and then the financial market would give us some surprises or heart attacks: First was the China developer bond market catching fire. Next, the tech stocks tanked. Huge wealth evaporated from the US equity market. Then came the collapse of the cryptocurrency prices. Under high...