The year 2023 has been an interesting time for my investments, with a focus on FD likes, SSB and T-Bills while neglecting CPF. In light of the challenges faced by dividend stock investors last year, I have been diligently monitoring my returns this year. Personally, I believe that diversification remains crucial for long-term success, as it allows for a stable portfolio that helps me maintain a calm and steady mindset, even if it means potentially sacrificing higher returns in the long run. Investments in US Stocks One area that has been particularly fruitful for me this year is the US stock market. However, I am still in the process of identifying my third stock there. I must admit that it might be a bit late to make a move, considering the significant run-up the market, particularly the Nasdaq, has already experienced. Portfolio Returns YTD Here are the Year-to-Date (YTD) returns of my portfolio as of December 31, 2023. Do note...