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December was yet again a strong month for the market as the S&P500 gained another 2.37%. My portfolio gained only 0.64% as I am continuously lowering my portfolio risk by adding more defensive stocks. However, 2020 started strong for me as I gained more than 2%.My portfolio is still based on stocks which I believe are misunderstood by the market (contrarian approach) and are generating strong cash flows. However, I start to add more defensive companies which can outperform a bear market as I my expected returns for the overall market are low for the