StashAway - November 2020

As we approach the last few days of the year, you might want to consider optimizing/reducing your taxes through the following methods which I have blogged about previously:
- SRS (Invest through Endowus and StashAway)
- CPF RSTU (CPF SA)
- Voluntary Contribution (VC) to CPF MA

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 (30 November 2020), our total investment is ‭$53,451.62! KPO gains $1,533.56 and CZM gains/lost $35.66 for the month.

As of 18 December 2020, these are our portfolio performance:

KPO and CZM Cash - StashAway Risk Index 22%: $‭36,971.00 (36.33% - Capital: $30,000)

KPO SRS - StashAway Risk Index 36%: $12,392.68 (38.44% - Capital: $10,410)

CZM SRS - StashAway Risk Index 14%: $5,793.13 (25.64% - Capital: $5,250)

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 ($25,000.00 x 0.8% + $21,343.51 x 0.7%) / 366 days * 30 days = $28.64.

The fee stated is based on the monthly-average assets SGD $5,521.32 x 0.8% / 366 days * 30 days = $3.62. 

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 (12.88%) for this year, we can see that StashAway Risk Index 22% is outperforming the STI ETF (including fees). 

If we compare across the years, StashAway's portfolio is winning by a huge margin (36.98%) except losing to SPY (49.09%) and IWDA (40.73%). 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 12.67%. Using the Rule of 72, it means that the StashAway portfolio will double our money in 72 / 12.67 ~ 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

- StashAway - November 2020 - $53,451.62

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.)