Time really flies. It feels like just yesterday we were welcoming the new year, and now we are already crossing the midway mark of 2026. It is that time of the year again when I sit down, look through the numbers, and do my routine portfolio review. Keeping track of where things stand helps me maintain an honest view of my investment journey, especially now that I am living off this nest egg in retirement. Mid-Year Performance Reflection For the first half of 2026, my (YTD) XIRR stands at 5.28%. Looking at this figure, I can say I am genuinely happy with the results. Let’s be realistic, not every year is going to hand us double-digit gains on a silver platter. Every year behaves differently, and a positive return of over 5% in six months is a steady, respectable outcome that keeps the portfolio moving forward. Watching portfolio returns can sometimes feel exactly like playing with a...