the end of year euphoria in 2023 seems unwarranted in the face of unresolved global issues such as conflicts in Ukraine and Middle East, and longstanding US-China tensions. While hopeful for a strong market this year, it is still prudent to keep some assets in safe harbours.
Best decision was investing in SG REITS during it's all time low, as well as locking in high low-risk interest on SSB and T-bills. Worst decision was holding on to COVID-related stocks which have performed extremely poorly.