Though not Gen Z, I have been pioneer in adoptions (eg BYO shopping bag in 2001/2, iPad Gen 1 in budget airline, ApplePay via Watch) & hence influential to pple around me. Cashless payments during EU & CN trips have reduced travel risks, improved instant awareness of spends (compared to CC only when monthly bill comes), no more round-up payments, various rewards for early adopters of e-wallets & digitisation. In summary, spending has become more efficient due to ease of price comparisons, subsidied spends for non-urgent procurements & household lifecycle replacements. Over the last decade if not longer, the above changes have enabled me to have more control over finances and in turn created more spare funds and time to invest. Hope Singapore can clean up and optimise the cu

Hmmm…🤔 Guess neither P nor J, or more towards flexing between both. P when market circumstances change & trigger criterias derived from J analysis based. 🤣

$SINGAPORE AIRLINES LTD(C6L.SI)$  The sudden share price surge in 2024 has been unsustainable when financial report is released hence sudden dip to return it to realistic price point. Despite volatility ahead, IMHO, SIA should have room to further improve on granular levels and compete with competitors and as such, $6.00 is likelihood too undervalued to bottom out at[Smile]  

2023 has been a year of constant assessments, testing one's strategies and emotional controls. It has been a great journey where strategies and knowledge have been proven and new lessons learned on emotional controls such as having confidence to execute instead of letting fear or greed interfere on making strategic moves. I have been fortunate to experience a year-to-date rate of return at approximately 10% while annualised rate of return to be above 6%. 2024 will be an extension to assess some of the strategic moves which are expected for longer term to bear fruits.

My 2022 Investment Review With a YTD returns of >+5%, I guess it is convincing to say year 2022 has been largely as anticipated back in 2021, perhaps more volatile for some stocks than others. Through this year of high volatility, I believe there are a few lessons gained: some strategiesproven to be sound, some adjusted along the way to strengthen, to have more faith in own analysis that are triple-checked, and last but not least, have patience for market to catch up (if foresights are two steps ahead). Hope in the upcoming year of 2023, constant learning and applying PDCA (plan, do, check, act) consistently will be as fruitful as year 2022 has been.