@mgjk88：
My 2023 investment decisions in review: 1) My choice to purchase ETFs as the bulk of my portfolio was and is still a wise decision. It allows me to readjust my holdings according to a set of rules without buying or selling any stock, saving money from transaction costs. [Miser] In addition, it is done automatically every quarter. This saves me time from analysing stocks and keeping up to date with related stock news. [Cool] Although this strategy would mean underperforming or keeping up to pace with the market, it would save me my most precious resource - time. For those who aspire to attain higher than market returns, careful stock picking from deep analysis would still be the way to go. [Happy] 2) Speculation in hindsight
