Just a quick snapshot of our net worth results to cap the year. Against a 11.76% decline in the STI, our stock portfolio suffered a 1.57% drop. Including dividends and income, however, our overall networth clawed up by 10.19% to a record high. In the beginning of 2020, we had set a net worth target and a passive income target. With the market in the doldrums, the net worth managed to reach only 86% of our target. Passive income did better despite lower dividends for the year. This reached 95.8% of our goal. This month, we have also set our targets for 2021. Enjoy the journey, I tell myself, and think that's what I will do!