It was a very bad year after the emergence from the COVID lockdown. Fed interest rates increased, taxes increases in Singapore, war in Ukraine, sanctions as a result of the war. All these lead to all time high inflation in recent years that I am aware of in Singapore. Needless to say, my portfolio of S&P500, and world ETF tanked 25% from all time high. However currently I still best the market by about 15%. So I survived. Really looking forward to 2023 while I keep on accumulating and DCA downwards my share prices. I think this is one of the best opportunities to load up shares at low prices.q