there's no such thing as investing !
this term was invented by bankers to make people feel they'll
profit for sure..............
it's just betting...................
I believe STI is undergoing a correction, but at the next bull
rally, I'll be slowly pulling out my funds. I didn't earn much in
term of ROE because I started out new not knowing anything, and
only with a paltry $30k in bank at Nov 2008 as a fresh grad. Made a
lot of mistakes. But the lessons I have gleamed and understood is
priceless. The cost: mostly earnings that could have been made.
I'm moving on to the next stage of investment. Paper assets are
going to be a thing of the past; ROE is too low 
Does anyone really think achieving 10%
ROE, even if it is consistent for 20 years, is high?
But there's no need for anyone to believe in investing because
if it is considered betting, life is a bet in itself. 
Some things, you just have to understand it yourself, because
you won't be able to read it anywhere. Not many will share what
they understood, or even if they do share, you would probably not
understand or believe anyway, or even if u do, it would probably
not fit you because there's never a one-size fit all. That is what
make each and everyone of us unique. 
