$$$ KPO and CZM $$$: StashAway - October 2020

Saturday, November 7, 2020

StashAway - October 2020

StashAway did a withholding tax reimbursement for dividends withheld last year. Based on what I have compiled, StashAway's portfolio is pretty sustainable (dividends > fees). You can read more about it here - StashAway Withholding Tax Reimbursement FY 2019

 1. PORTFOLIO SUMMARY (as of the last day of the month)

KPO

CZM

Based on the statement (31 October 2020), our total investment is ‭$49,892.40! KPO gains/lost $74.18 and CZM gains/lost -$22.00 for the month.

As of 5 November 2020, these are our portfolio performance:


KPO and CZM Cash - StashAway Risk Index 22%: $‭34,946.19 (34.37% - Capital: $28,500)


KPO SRS - StashAway Risk Index 36%: $11,324.10 (34.68% - Capital: $9,670)


CZM SRS - StashAway Risk Index 14%: $5,587.33 (26.71% - Capital: $5,000)

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 ($25,000.00 x 0.8% + $18,836.46 x 0.7%) / 366 days * 31 days = $28.11.


The fee stated is based on the monthly-average assets SGD $5,272.72 x 0.8% / 366 days * 31 days = $3.57. We exchanged 300 Shopee coins for $5 worth of StashAway credit and that's the remaining credit.

StocksCafe


Evan (founder of StocksCafe) made an improvement where one can now benchmark their portfolio against multiple indexes/ETFs. Looking at the time-weighted return (11.40%) for this year, we can see that StashAway Risk Index 22% is outperforming the STI ETF, SPY, and IWDA (including fees). 

If we compare across the years, StashAway's portfolio is winning by a huge margin (35.18%) except losing to SPY (44.38%). In addition, it has the lowest volatility and max drawdown. This is what StashAway meant by reducing risk and maximizing the return. 

The annualized return/XIRR of the portfolio is very impressive too at 12.69%. Using the Rule of 72, it means that the StashAway portfolio will double our money in 72 / 12.69 ~ 5.7 years. In comparison, the same money if left in the bank account at 2% interest rate will take 72 / 2 ~ 36 years to double.

Which is the best? Only time will tell :)

Anyway, if you are interested in signing up for StashAway, do use our referral link - KPO and CZM Referral Link. You will get $10,000 free management fees for 6 months and we will get $16!

If you want to extract those transactions information from StashAway, do take a look at this article - StashAway Transactions Parser.

If you are interested in the smart portfolio tracker (StocksCafe) which I am using as shown above, sign up using my link for a longer trial period :) Refer to our Referrals page for more information.

You might be interested in previous months update too:
StashAway - January 2020 - $31,742.42
StashAway - February 2020 - $31,499.69‬
StashAway - March 2020 - $30,934.95‬
StashAway - April 2020 - ‭$34,830.73‬
StashAway - May 2020 - $37,298.09‬
StashAway - June 2020 - $39,931.79
StashAway - July 2020 - $44,125.18
StashAway - August 2020 - $46,900.18
StashAway - September 2020 - $47,850.22
- StashAway - October 2020 - $49,892.40

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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