I recently wrote an Endowus CPF/SRS Review and will deposit some money into my SRS once my salary is in and invest them through Endowus.
Anyway, we have 3 portfolios on 2 accounts now due to our new strategy - New Strategy: StashAway + Supplementary Retirement Scheme (SRS):
KPO and CZM Cash - StashAway Risk Index 22%
1. PORTFOLIO SUMMARY (as of the last day of the month)
Based on the statement (30 Nov 2019), KPO made $3,055.49 and CZM made $128.96. Unfortunately, it seems that StashAway has removed the effect/return of Currency Impact in the statement as well.
As of 11 Dec 2019, these are our portfolio performance:
KPO and CZM Cash - StashAway Risk Index 22%: $23,201.52 (+18.55% - Capital: $20,500)
CZM SRS - StashAway Risk Index 14%: $2,372.04 (+12.94% - Capital: $2,250)
2. PORTFOLIO DETAILS
Note that these are reported in USD.
3. FEE CALCULATIONS
The fee stated is based on the monthly-average assets SGD $15,546.48 x 0.8% / 365 days * 30 days = $10.22.
Without the referral, it would have been:
First SGD $25,000.00 x 0.8% / 365 days * 30 days = $16.44
Next SGD ($25,546.48 - $25,000.00) x 0.7% / 365 days * 30 days = $0.31
Total Fee = $16.75
The fee stated is based on the monthly-average assets SGD $2,110.40 x 0.8% / 365 days * 30 days = $1.39.
We used Grab points to redeem for StashAway credits (1,200 points for $5 credit). Not sure if it is still available though.
StocksCafe
Looking at the time-weighted return (18.78%), we can see that StashAway is "outperforming" the STI ETF (including fees). In addition, it has lower volatility and max drawdown.
On the other hand, StashAway is underperforming the SPY (SPDR S&P 500 ETF Trust) with lower volatility and max drawdown.
Which is the best? Only time will tell :)
This is the link to our spreadsheet - KPO & CZM StashAway Portfolio VS STI ETF which I have also added to Our Portfolio page.
StashAway Referral Link for Our Readers
Here you go: KPO and CZM Referral Link
If you are interested in the smart portfolio tracker (StocksCafe) which I am using, sign up using my link for a discounted rate :) Refer to our Referrals page for more information.
You might be interested in previous months update too:
StashAway - January 2019 - $16,051.10
StashAway - February 2019 - $17,397.81
StashAway - March 2019 - $18,780.96
StashAway - April 2019 - $19,702.85
StashAway - May 2019 - $20,823.09
StashAway - June 2019 - $22,031.43
StashAway - July 2019 - $23,486.36
StashAway - August 2019 - $24,776.05
StashAway - September 2019 - $25,510.69
StashAway - October 2019 - $27,170.58
StashAway - November 2019 - $28,434.45
Do like any of the following for the latest update/post!
1. FB Page - KPO and CZM
2. Twitter - KPO and CZM
3. Click here to subscribe using email :)
4. Instagram - KPO_and_CZM (Did you see those delicious food photos to the right --> Unfortunately, you can't see it on mobile.)
Anyway, we have 3 portfolios on 2 accounts now due to our new strategy - New Strategy: StashAway + Supplementary Retirement Scheme (SRS):
KPO and CZM Cash - StashAway Risk Index 22%
KPO SRS - StashAway Risk Index 36%
CZM SRS - StashAway Risk Index 14%
1. PORTFOLIO SUMMARY (as of the last day of the month)
 |
| KPO |
 |
| CZM |
KPO and CZM Cash - StashAway Risk Index 22%: $23,201.52 (+18.55% - Capital: $20,500)
KPO SRS - StashAway Risk Index 36%: $3,011.72 (+18.22% - Capital: $2,750)
CZM SRS - StashAway Risk Index 14%: $2,372.04 (+12.94% - Capital: $2,250)
2. PORTFOLIO DETAILS
Note that these are reported in USD.
 |
| KPO and CZM Cash - StashAway Risk Index 22% |
 |
| KPO SRS - StashAway Risk Index 36% |
 |
| CZM SRS - StashAway Risk Index 14% |
3. FEE CALCULATIONS
The fee stated is based on the monthly-average assets SGD $15,546.48 x 0.8% / 365 days * 30 days = $10.22.
First SGD $25,000.00 x 0.8% / 365 days * 30 days = $16.44
Next SGD ($25,546.48 - $25,000.00) x 0.7% / 365 days * 30 days = $0.31
Total Fee = $16.75
We used Grab points to redeem for StashAway credits (1,200 points for $5 credit). Not sure if it is still available though.
StocksCafe
Looking at the time-weighted return (18.78%), we can see that StashAway is "outperforming" the STI ETF (including fees). In addition, it has lower volatility and max drawdown.
On the other hand, StashAway is underperforming the SPY (SPDR S&P 500 ETF Trust) with lower volatility and max drawdown.
Which is the best? Only time will tell :)
This is the link to our spreadsheet - KPO & CZM StashAway Portfolio VS STI ETF which I have also added to Our Portfolio page.
StashAway Referral Link for Our Readers
Here you go: KPO and CZM Referral Link
If you are interested in the smart portfolio tracker (StocksCafe) which I am using, sign up using my link for a discounted rate :) Refer to our Referrals page for more information.
You might be interested in previous months update too:
StashAway - January 2019 - $16,051.10
StashAway - February 2019 - $17,397.81
StashAway - March 2019 - $18,780.96
StashAway - April 2019 - $19,702.85
StashAway - May 2019 - $20,823.09
StashAway - June 2019 - $22,031.43
StashAway - July 2019 - $23,486.36
StashAway - August 2019 - $24,776.05
StashAway - September 2019 - $25,510.69
StashAway - October 2019 - $27,170.58
StashAway - November 2019 - $28,434.45
Do like any of the following for the latest update/post!
1. FB Page - KPO and CZM
2. Twitter - KPO and CZM
3. Click here to subscribe using email :)
4. Instagram - KPO_and_CZM (Did you see those delicious food photos to the right --> Unfortunately, you can't see it on mobile.)
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