As we step into 2025, I’d like to wish you and your loved ones a very Happy New Year. I hope you had a wonderful holiday season filled with joy and relaxation. I personally enjoyed a restful week in Phuket with my family – the perfect way to recharge and reflect on the successes of the past year. Thank you for trusting us with your investments, and we look forward to another successful year together. 2024 was an exceptional year for Syfe’s Core Portfolios, with every portfolio delivering returns that outpaced their respective benchmarks. Earlier in the year, we introduced several enhancements to the portfolios, and we’re thrilled to see these changes already making a positive impact for our clients. The Core Equity100 portfolio delivered a remarkable 21.74% return in SGD for 2024, outperforming the benchmark MSCI All Country World Index. It also outpaced our peers by 2–4%…