My 2023 investment decisions in review:

1) My choice to purchase ETFs as the bulk of my portfolio was and is still a wise decision. It allows me to readjust my holdings according to a set of rules without buying or selling any stock, saving money from transaction costs. [Miser]  

In addition, it is done automatically every quarter. This saves me time from analysing stocks and keeping up to date with related stock news. [Cool]  

Although this strategy would mean underperforming or keeping up to pace with the market, it would save me my most precious resource - time. For those who aspire to attain higher than market returns, careful stock picking from deep analysis would still be the way to go. [Happy]  

2) Speculation in hindsight was a terrible idea, especially in areas I am not an expert in. I speculated that Chinese stocks (that was extremely undervalued back in 2023) would be due for a meteoric rise in late 2023. [Cool]  

However, it was apparent that I did not properly consider WHY it was so cheap. As a result, prices continued to tank and I did not know why. I was forced to liquidate my holdings at a loss. [Cry]  I learnt that it is very important to consider the why behind fundementals rather than taking them at face value.

That's all I have to share today, remember to do your due diligence and happy investing! [Happy]