I think most investors would agree with me that 2015 is a bad year for equity investors. The year started well and in April, STI was well above 3400 points. Unfortunately, a series of bad news including China market correction, Greek crisis, US rate hike, slump in oil prices, devaluation in regional currencies etc had contributed to a weaker performance in subsequent months and STI is expected to close well below 3000 points as we approach the end of the year.

I have stay invested in the market throughout this period with dividends being mostly re-invested back into my widely diversified portfolio but the sell-off was across the board and therefore, I expect to end this year in the red. Though I did not compute the returns of my portfolio, I guess I have suffered some setback in terms of portfolio value this year.

Again, I have lost some companies ...