It has been a dramatic year, my portfolio raise from -21% in 2008 to 19% in 2009.
Besides HBC, I added GE, MFC and WFC, just want to pull down more the ratio of HBC to about 30-40%(currently 86%). In addition, I see myself putting most of the investment on financial sector, therefore I put JNJ and KFT into my watch list, should add more later.
Other than stock, I think I should consider widen my basic emergency fund. Budget is reducing due to the rise of my monthly spending(i love my new toy) and family pressure. Also want to add Roth IRA into my low risk investment. Half of my annual budget will probably gone for them.
How can I live good and not spending seems to become my biggest practice and concern in 2010. Cheers
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