I'm a late bloomer in investing. the urge came because after being semi-retired since 2019, I felt quite bored, and I wanted to use my free time to enhance  part of my retirement savings.
I started this journey in June 2024. Initially, I naively thought that focusing on high dividend stocks would be a no-brainer.  I screened out all the high dividends and mindlessly purchased.. After being hit by 30% withholding tax (US stocks) and price erosion, I realized this was a bad choi...