S&P 500 rallied super strongly in year end 15% , leaving EM to the dust . Too much concentration risk on HST.
Lesson learnt
Reduce capital on individual stocks ( too much energy to monitor)
Satellite Portfolio remains, to pump into Core Portfolios.
My humble holdings are still small :
Syfe / Endowus
Once after i rebalance , will publish the size
Target portfolio, beat S&P ? 😀
