| Good afternoon, It’s going to be difficult to beat the returns we just pulled in over the past 12 months, says wealth editor James Kirby who takes a look at what investors should expect and be wary of in the new year? Former Vocus chairman Vaughan Bowen has spoken about the five-year battle to clear his name after a jury found him not guilty of insider trading. The spending patterns of China and Aussie households over the next few months could be key to informing good monetary policymaking, a key RBA official says. | 
