1. Bank Foreign FD: bought when GBP tanked around 2008, huge chunk of profit eaten by massive bank FX spread
2. Bank Gold Account - went practically nowhere in 6 years, CAGR prolly around ~2%
3. Crappy endowment plans - PruCash, HLA Evergreen - more than halfway through/completed, will just put leave them in the naughty corner of my portfolio
4. Heng Yuan share - learnt to treat i3 forum like kopitiam
5. 'Saving' more with ILP - have since tuned down premiums to levels enough to sustain policy

All in all, only no. 4 resulted in -ve realized returns. The rest being cost of opportunity.

This post has been edited by roarus: May 7 2019, 10:30 PM