Here goes 2010. many ups and downs this year, just like roller coaster. Really challenge my patient. At the end of the end, my portfolio drop from +19% in 2009 to +13% in 2010, and total invested increase is only 7k.
With HBC, GE, MFC and WFC, I added AIA, JNJ, and KFT. just pull down more the ratio of HBC to 70%. Once again, I see myself putting most of the investment on financial sector, so I'm planning to add KO into my portfolio if there is a chance and look for other stock which gives decent dividend, should add more later. Stock market seems to going up for 2011, big drop may not happen in anytime, may be I will just hold the cash and wait in 2011.
Plan on basic emergency fund is just a fail in 2010, so I setup direct deposit to force myself putting money on it. Annual budget become even tighter. I only have $300 wreckless spending for 2011. I'm not sure if this is good, but it will be a tough year for me. Car payment still have 15 months to go. I think Roth IRA should be unrealistic in 2011. Totally feeling there is no way for me to turn around this year.
Holding my breath to rush through 2011.
Tuesday, January 4, 2011
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