2022 is a terrible year. 

We watched the 3 index of us, djia, s&p 500 and nasdaq dropped to bear region and suffering to climb back to growth. 

We watched the crypto melted down, bitcoin drop about 75% to arnd 18000 to 21000usd from all time high 69000usd.

We also watched the prolong russie-ukraine war which cause a hiccup for raw mayerials supplies chain. Basic supplies of food like wheat, oil rose more than 70%, causing an high inflation arnd all countries.

The fall of sri lanka is just another fallback of unplanned and overconfidence of the government, underestimating the ability to solve country debt and fiscal issue.

We here in malaysia faced the same issue while having the same type of goverment, which painting a peaceful mind on top of rising debt, rising inflation, running out of fdi(foreign direct investment), and ballooning administrative expenses.

One of my wise step is i have tried to explore overseas investment because i m very worry about the weakening of my local currency, ringgit. The fall to near to 4.5rm vs 1usd has not been seen since many years ago, and this time we cannot see the possible end of the value dropping. 

At this time, the correction of us market has created an opportunity for us to invest slowly into the market, and Tiger broking has provided a cheap and easy link for us, who have limited method to allocate our money.

I am not rich people who can transfer lots of money in a snap of hand, i can only accumulate a small amount of money from my monthly earning, and invest small bit by bit to the overseas market. If not Tiger, the cost will be very substaintial.

In this 1H, even bad news all around, i can see the bright spot of my investment that i earn good dividend in my overseas selection, and possible currency apprrciation. The diversification bears fruits and i shall continue for the 2H of 2022.