As we know the S&P has lost 20.6% in the first half of 2022-it's worst in more than 50 years. Despite the trashing of the US stock market, my investment strategy is simple, stay invested for the long term at least 10 years with diversified investments in stocks & real estate.

Now the reality check, for US market although the S&P has lost more than 20% my portfolio only shed about 10%. However although the US market appears losing its steam, I think this is only a short term phenomena, I'm giving the market to bottom down until September 22, and hopefully it will reversethese loses towards year end. On the flip side I'm only investing my liquid funds that I don't have immediate need & Infact I'm taking this once in a fewyears opportunity that the market is presenting to invest in my "watchlist" stock, that has shed between 30% to 40% of its value. These are stocks of profitable companies with strong cashflow or pioneers in their own industry like Amazon, Apple, Tesla , Nadia, etc. History has shown that if one stay invested for a LT timeframe of 10 years, the average return is 10; the average S&P annual return is 10.7%.

On the positive note my share in the Singapore stock market especially reits in which my portfolio is 70% reits, returning an average of 20% excluding the dividends I received of average 5% per annum. A stock that is worth mentioning which I chalked 35% return is Jardine & HKland which exceeded 25% return respectively.

The only write off share investment I made was China property developer listed in HK because of non-compliance on reporting financial statements. Hopefully this will be normalise once the company filed their financial statements.

On the whole my share investment netted 20% return. This was possible as I stayed invested even during the covid meltdown, Infact I added my portfolio in stocks which I've strong conviction.

Based on my investment strategy, Im also invested in few properties in Singapore & other SE Asian country. The Singapore properties in strategic location of D4 & D 16 has generated more than 50% return.

Being a trained accountant, I believe investment has realised my dreams in staying debt free & staying ahead of inflation.