One word that can describe the first half of 2022 is Uncertainty. Beginning of 2022, everyone was looking forward to Living with Covid19. More people were going back to workand people start to travel be it for business or leisure. Then came the Russian Ukraine war follow by inflation and now rise in interestrate. My portfolio has gone through a small roller coaster ride from +10% to -10% because majority of my portfolio is in SG while I have also started to invest more into US market. As some famous Youtuber has mentioned, US market is truly the place where one can make a lot of money if you are on the Right Side while SG market is like a baby crawling with occasional surprise if you happen tohold stock of company that is being privatized at dirt cheap valuation. Moving into the 2nd half of 2022, with Uncertainty still the norm until we can see a clearer picture of where inflation is going, I will be buying into Index like S&P 500 and wait out for a recovery in 3 to 5 years down the road. Stay safe.