[ 2022 Mid-Year Recap ]

(1) Describe your half-year performance in one word: Depressed.

(2) What did you learn from a fluctuating market?

A fluctuating market is part & parcel of all stock markets. The most difficult challenge is to accept this volatility when it happens, and to remain largely unaffected emotionally.

A depressing market should not lead to a depressed mental well-being: it is not worth it. One way to cope is to not overly exposed one's portfolio to equity; but to balance one's investment into more resilient components such as investment grade bonds (SGS, SSB, T-Bill, Retail bonds by Temasek, etc) and cash-like low-risk cash management products, or even fixed deposits.

Buying the dip approach will be, once again, put to test. RSP, DCA strategies will be what the common retail investors will choose to adopt. The important consideration is that cash "bullets" should be ample to be deployed into the buying the dip strategy.

(3) What is your investment plan for the remainder of the year?

I will still continue to build my bond ladder, in view of rising interest rates, by applying new SGS bonds (eg: 2 years and 5 years), SSB, Singapore Treasury Bills (eg: 6 months and 1 year). There are ample opportunities to buy 6 months T-Bills as they are offered every 2 weeks.

Also, I will continue to DCA into stock ETF and my favourite stock, AAPL. As I don't focus on short-term day trading, and do not have enough knowledge in T.A., I will choose to nibble & invest small amounts of buying the dip.

Investing is to grow your Wealth; Investing is not to depress your Health.

@TigerStars