It's crazy to me how many investors don't understand the concept of time in the market vs. timing the market. Just curious, where was your portfolio (Percentage wise up/down) back in March VS now?

March I think I was at - 18%ytd.
Right now, ytd is between - 3 to - 1%.

To be fair, I did have a few big moves to bring the portfolio losses down significantly (some rebalancing moves generated profits to offset the losses) . But market was frequently irrational.

If I ignore my continued investment in Singtel / DBS / CMT / CDG throughout 2020, I would think my portfolio had good decent returns. these few are slowly returning towards green.

My concern is my portfolio is supposed to be dividend generating to help pay my mortgage.

Fortunately, the interest rate came down and monthly mortgage payments reduced by about 500 per month. The dividends from my portfolio have yet to return to strength - if no restrictions / downturn, I would expect total portfolio dividend yield to be around 6+%, but it's only generating 4+% now.

Will hope that dividend yield goes to 7% when all recovers.

Never keep track of percentage. Only see my portfolio one day unrealised $7k+, next day -$5k consecutive for weeks.... while negative i just buy more 😆