21.  If you have been very conservative and keeping your capital in quasi-cash, you can now enjoy higher bank interests and bond yields. It makes sense to do a bit work to move your money to extract the best yields in the markets.

22. No one knows exactly how the markets will move in 2023. Predictions may make you feel like you are gaining some certainty, but they are usually inaccurate. It is better to have clarity via your investment strategies

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