$$$ KPO and CZM $$$: March 2021

Thursday, March 25, 2021

Earning High Interest Using BlockFi and Celsius Network

Blogging is a way for us to share with our readers our plan/strategy towards our financial freedom. The thing is there are just so many things we do not know as well and occasionally readers will reach out and share their knowledge with us. After my last article on 1% Net Worth to Crypto which I thought xfers was the most cost-effective way to buy crypto and that the transfer fees are too high, a reader reached out and shared with me that I can wire USD directly to BlockFi and make use of their free transfer/withdrawal (one free crypto withdrawal per calendar month and one free stablecoin withdrawal per month) to avoid the transfer fees. Besides that, he also introduced Celsius Network and DeFi to me. Personally, I found DeFi to be more complicated/troublesome so I did not read up/research further but I was attracted to Celsius Network.

What are BlockFi and Celsius Network?
They are simply your crypto savings account (similar to your bank account) where interests are given on a monthly/weekly basis.


In my opinion, use BlockFi for the non-stablecoins like BTC and ETH.


Use Celsius Network for stablecoins where the interests are at a minimum of 10.51% and up to 13.3% if you choose to receive it in CEL token instead + some membership tier thingy. The best part is there are no withdrawal fees so you wouldn't be locked in if you just want to try it out.

How can they pay such high interest?
In layman's term, they are functioning like a bank, lending out our deposits for higher interest but instead of keeping the majority to themselves as profits, they are sharing more of it with us. Take a look at these articles from Celsius Network:
Celsius Network Interest Rates, Explained
 
Anyway, after reading up the FAQs on BlockFi, I went ahead to test it out using the minimum amount required ($10 USD) to wire/transfer based on the instruction provided. Besides getting the SWIFT code right, you must remember to add your 8-digit PIN in the notes/comment section under "Other Details".


As you can see, SC does not charge any transfer fee.


It took about a day for the transfer to show up in my BlockFi account with a 1:1 conversion to GUSD which is a 1:1 USD-backed stablecoin by Gemini. No fees at all!


With that, my USD is now earning 8.6% interest, paid out on a monthly basis for BlockFi. Once I confirmed that my capital is not being "eaten" up by any fees, I proceeded to transfer a larger amount ($1k USD) to BlockFi. Tip: Initiate the wire transfer over the weekdays for it to be cleared/reflected faster. I did it on a Saturday and it was only reflected on Monday.


This brings me to Celsius Network. I initiated a withdrawal of $200 USD from BlockFi to Celsius Network. It took more than a day because of a 1-day security hold feature implemented by BlockFi. Since the withdrawal is processed the next business day after the security hold is over, it can be cancelled for whatever reason (e.g. wrong wallet address, change your mind, etc.).


Now the full $200 USD is in my Celsius account earning 10.51% interest! With this, I have completed my testing and will be pumping more money (~20-30k USD) into Celsius since there are no fees involved. Shall provide another update once I move them over and received some interests :)

What are the risks?
You can read a more in-depth review from CoinCentral but I have extracted the relevant section below:
What happens if BlockFi gets hacked?: “Gemini is BlockFi’s primary custodian and BlockFi doesn’t hold private keys directly. Gemini keeps the vast majority of its assets in cold storage and is insured by Aon. Gemini is a licensed custodian and regulated by the NYDFS. They recently received SOC2 Type 1 compliance audit from Deloitte for their custody solution. We encourage users to read more about Gemini’s security. “

What happens if a user account is compromised?: “Since inception, BlockFi has not lost any customer funds. In the event that a user’s account is compromised, which our security protocols have caught in the past, we freeze the individual’s account for one week. Then, we conduct a Videoconference with the affected individual to verify their identity. We can then change their email address and password, so they can regain control of their account.”

What happens if suddenly everyone defaults on their cryptocurrency loans?: “When we lend crypto assets to generate yield, we have an extremely thorough risk management and credit analysis process. We only primarily lend to large, well-capitalized, institutional borrowers, or to counter-parties willing to post collateral and provide the ability to margin call them on a 24/7 basis.”

“What that means is, if we are lending $1M worth of BTC to Firm XYZ, Firm XYZ collateralizes the loan (typically ~120%) by giving us ~$1.2M USD. If the loan were to then enter margin call and the borrower was unable to provide additional collateral (default), we would use their USD collateral to buy crypto.”

“We have actively lent since January of 2018, including throughout multiple periods of high volatility, without any losses across our entire lending portfolio. BlockFi is bound by NDA’s to discuss terms of specific borrowers/rates.”

Given that both BlockFi and Celsius Network have been operating for ~3 years, they are unlikely to pull an exit scam too. In my opinion, the greatest risk is myself. Imagine if I fat finger/blur blur go transfer the crypto/money to a wrong wallet/address. It will simply disappear/vanish into thin air.

Summary
For BTC and ETH: Bank --wire transfer (no fee)--> BlockFi (interest ~5-6%)
For USD stablecoins: Bank --wire transfer (no fee)--> BlockFi --transfer (no fee)--> Celsius Network (interest ~10.5%)

If you are interested in the platform I am using, do sign up using our referral links for some bonus :)
BlockFi: Deposits US$100 or more into your BlockFi Interest Account (BIA), you will earn US$10 in BTC and we will earn US$10 in BTC too.
Celsius Network: Earn US$40 in BTC with your first transfer of US$400 or more and we will earn US$40 in BTC too.

You might be interested in these articles too:

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.)

Wednesday, March 24, 2021

CapitaLand at a Discount - CLIM, CICT and Cash

By now, you should have seen multiple news on the restructuring proposed by CapitaLand. In my opinion, I do think it is a win-win deal. They get to privatized a part of their business at a "cheap" rate (considering the offer is below NAV) while shareholders get to unlock some value and continue to own other parts of their businesses. For those that are not aware, you can take a look at their announcement here


For every CapitaLand share, one will get 1 CLIM share at $2.823 NAV, Cash of $0.951, and 0.155 CICT share. It was stated that "The Cash Consideration will not be reduced by the amount of the FY2020 Final Dividend after the dividend payment is made." Hence, we can also include the 9 cents dividend for FY2020.


They halted for the whole day yesterday and I was surprised when I saw the price of CapitaLand to be trading at a discount compared to what was offered. Using the closing price for the day, it was trading at a 11.72% discount which is quite significant. I was expecting it to be closer to $4 because the CLIM share and cash should be a constant/fix value and the only variable is the share price of CICT.

There are probably a couple of reasons for the discount. The restructuring might not go through and given that CapitaLand has never traded at such a high price, if the deal is called off, the price will surely drop back to low/mid 3+. The market is discounting the value of the CLIM share after all CapitaLand has never traded at NAV so why should CLIM share be valued at NAV too right? Alternatively, there might be shareholders who find the restructuring too complex and are selling it off now without having to deal with the CICT odd lots.


In my opinion, the restructuring will highly likely go through, the decrease in CICT share price is too insignificant to warrant such a discount and likely the market is discounting the CLIM share (too much). Anyway, I believe it should not be trading at a discount because it is no longer considered as a property/developer stock.


Let's take a look at the other 2 listed REIMs.


Brookfield Asset Management is trading at 2.46 PB.


Blackstone Group is trading at 8.34 PB! 


In comparison, CapitaLand is trading at just 0.756 PB. Not sure if anyone remembers ARA Asset Management that got delisted back in 2017? That is a REIM and they were not trading at a discount back then.


If you do not want to have any CICT odd lots, these are the magical CapitaLand shares you will need to own.


Alternatively, you can also own the above number of CapitaLand shares to reduce the number of odd lots. I have created a spreadsheet here and you can play with it to see the discount as well as the number of CICT odd lots you might be getting.

Anyway, we bought another 5,000 units at $3.75 earlier today because we believed it is still trading at a discount and also to reduce the number of odd lot we will be getting for CICT. In total, we now own 17,434 shares of CapitaLand. Huat ah!

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.)

Friday, March 19, 2021

1% Net Worth to Crypto

Our crypto investment has more than doubled (142.7%) since I experimented with a small sum of money and I think we should start including it as part of our portfolio/investment strategy as it becomes more mainstream with listed companies buying BTC too.


Our plan is simple, we will invest/allocate 1% of our net worth to crypto and the 1% will be tracked based on the capital used to invest. For example, 1% of 1 million net worth means the capital of our crypto investment will be $10k. If it drops to $5k or runs up to $20k, we will not do anything and there will be no rebalancing.

To be honest, I have been following crypto for the longest time but never really had the courage permission to touch it until recently. The thing is CZM doesn't believe in crypto (like most people) and is waiting for it to crash so she can laugh at me. Although she agrees with the above allocation, she emphasizes that she will not be contributing to it. Regardless, she will be the biggest winner from this allocation. If crypto goes to the moon she profits from it too because my money is hers. If it goes to the drain, I lose all my money while CZM gains bragging/suaning rights for life.

Anyway, how I got started is quite hilarious/unexpected - when COVID-19 strikes last year and renders miles useless + the increase in expenses and the thought of no travelling in the near future with the birth of Baby Ong led me to search for a cashback card. All the traditional cashback credit cards are simply too weak/pathetic in terms of the "returns" we can get from our spendings considering the premium flights we have taken using miles. There was only one cashback card which I thought was more "decent" and I ended up applying for the Crypto.com Ruby Steel Visa card (it was called MCO Visa card previously) which requires me to buy and stake some MCO coins. Unfortunately, my card took an extremely long time to arrive because they were indirectly impacted by the Wirecard fraud. When the card finally arrived, it can only be used/processed by local merchants which means I never got to enjoy the "free" Spotify benefit. Anyway, the metal card has now become a nice paperweight and we are still accumulating miles but that is beside the point.


Through the Crypto.com app, I realized that one can now earn interests/dividends on your crypto which got me really interested. I started by buying some of the stable coins (USDT and DAI) that have a yield of 10% per annum. As the price of BTC kept rising, I bought the minimum amount of coins (0.025 BTC) required in order to deposit them into Crypto Earn. In my previous Portfolio - January 2021 update, I cut my losses by selling away First REIT and that money went into Cardano (ADA) and ETH.


As you can see, most of the money/coins are in Crypto Earn.


These are the coins I am holding. They are generally still the "safer"/"blue-chip" coins. 


I am currently still evaluating if I should just remain on Crypto.com or shift some of the coins elsewhere where I can get better returns (e.g. Binance or BlockFi). The thing I dislike about Crypto Earn is we are required to stake the coins which meant it will be locked/untouchable while staking is not required for the other platforms.

These are the available options for BTC:
1. Buy BTC on Binance SG (lowest fees but not much features) --transfer--> BlockFi (Flexible, 6%)
2. Buy BTC on Luno  --transfer--> BlockFi (Flexible, 6%)
3. Buy BTC on Luno and transfer to Luno BTC Savings (Flexible, 4%)
4. Remain on Crypto.com (Stake 3 months, 4.5%)


As far as I can tell, it seems that the transfer fee is extremely annoying (both Binance SG and Crypto.com are charging 0.0004 BTC for the transfer) and I might end up just staying with Crypto.com or using Luno savings. Based on my observation, withdrawal/transfer from Luno is typically much cheaper than Binance SG and Crypto.com even though the fees are dynamically priced. 


Having said that, it simply doesn't make sense if one wants to DCA a small amount (e.g. $100 per month) and pay a high fee (e.g. 5%) to transfer to BlockFi for a 6% interest. 


ETH options are pretty similar to BTC.

For ADA:
1. Crypto.com --transfer--> Binance (Stake 2/3 months, 7-9%)
2. Remain on Crypto.com (Stake 3 months, 2%)

I could not find the withdrawal fees for ADA online so I will have to wait till the current stake ends but based on the difference in interests, I will likely transfer it to Binance and stake there. I am also considering replacing the stable coins I owned with either BTC, ETH, or ADA.

I don't think I will blog much about crypto besides including them in our monthly portfolio updates because honestly, I do not know how to value them or determine if they are over/undervalued. I did not and will not spend much time to deep-dive/understand them. Let's just say I got lucky in the last few months and these are money I can afford to lose without losing any sleep with the potential for high returns.

With the inclusion of crypto in our portfolio, I believe we are pretty near/may even exceed the next milestone - $800k! Stay tuned to our March update!

If you are interested in the platform I am using, do sign up using our referral links for some bonus :)
Crypto.com: Sign up using our link, stake SG$500 worth of CRO and we both get US$25 in CRO
Luno: Sign up using our link, deposit, and buy SG$100 worth of BTC (Luno exchange not included) and we both get SG$5.00 worth of BTC

You might be interested in these articles too:

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.)

Wednesday, March 17, 2021

Syfe - February 2021

As mentioned in my previous update, I have closed the Equity100 portfolio and transferred everything to REIT+. I am going to sound like a broken recorder but these are the reasons:
  1. By displaying shares in 2 decimal places, there are some rounding inconsistencies. For example, the transactions section shows 0.01 for share A on day x followed by 0.01 for share A on day y. When I sum them up, I am expecting 0.02 but the portfolio composition shows only 0.01. This makes tracking extremely difficult.
  2. I cannot accept the <0.01 being displayed in Equity100 for the same reason as above.
  3. For Equity100, the currency being displayed is in SGD while the underlying investment and fees are in USD. As a result, when I looked at the fees, it is showing different values on different days which makes tracking difficult again.
  4. Based on the stats I am seeing in StocksCafe which I blogged about previously too, Equity100 is taking on more risk but providing a lower return
If you are wondering, I will not be reviewing/opening a Syfe Core portfolio for the same reasons as above. In fact, I was contemplating if I should close everything including REIT+ since it is also affected by the first reason (displaying shares in 2 decimal places) but decided to keep it because I really like the REIT+ portfolio. It is definitely more transparent as compared to a REIT ETF where you will be able to see all the corporate actions such as mergers, rights issues, etc. in your transactions. The monthly DCA ensure that I will always invest my money by taking my emotion out of the picture.

Our Syfe Portfolio
Composition: 100% REITs
Dividend: Reinvest
Monthly Investment: $1,000

Account Statement (Lifetime)


Our current tier is Blue (<$20,000). This is determined by the size of the portfolio (currently $15,531.26) which in turn determines the fees to be charged. The statement lifetime return is $1,831.26 which includes a $1,280 referral bonus. The actual lifetime return would be $551.26. Thanks to our readers for using our code!

Account Statement (February 2021)


The return for the month is -$276.83 which includes a $60 referral bonus. 

As of 17 March 2021, this is our portfolio performance:


Capital: $14,553.28 ($10,000.00 + $4,553.28 from Equity100)
Current: $15,833.07 (20.87% - return is skewed due to referrals)


Capital: $3,700.00
Current: $4,553.28 (52.44% - return is skewed due to referrals)

Transaction Breakdown


There are too many so I will just share a snippet. Anyway, if you want to extract the transaction information from Syfe, do take a look at this article - Syfe Transactions Parser. Anyway, the parser will not work accurately for the Syfe Core, Equity100, and Global ARI portfolios when there are small transactions (<0.01) which I have set them to 0.00 instead. You can refer to this for more information - Syfe - July 2020. The parser will work better/more accurately if Syfe is willing to change its UI and display more decimal places...

REIT+

Equity100

After parsing them into a csv file, I pivoted the data to get the following view.

Management Fee


The management fee can be obtained by $15,101.22 x 0.65% / 365 * 28 ~ $7.51.

StocksCafe
In my opinion, the return captured by StocksCafe will be a more accurate representation of our portfolio return as the referral bonuses are treated as capital. Having said that, I can also understand why Syfe treats them as a return instead of a deposit too. Just a different perspective. 


Anyway, looking at the time-weighted return (15.91%), we can see that Syfe REIT+ 100% is underperforming the indexes/benchmarks. The annualized return/XIRR is 5.92%. Using the Rule of 72, it means that the Syfe portfolio will double our money in 72 / 5.92 ~ 12.2 years. In comparison, the same money if left in the bank account at 2% interest rate will take 72 / 2 ~ 36 years to double. If we were to look at the projected dividends till the end of the year based on the existing investment, we can expect $530.60 of dividends or $44.22 per month. Since the dividends >> fees, this is a pretty sustainable portfolio assuming if there's no capital loss.

New Syfe customers will have their first $30,000 managed free for 6 months when they use our new referral code (KPOCZM). We will be receiving a $10 cash incentive for our portfolio if you invest $500 or more on your first deposit.

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:
Syfe REIT+ (100%) Review
Syfe - December 2020 - $13,129.55
Syfe - January 2021 - $14,748.08
- Syfe - February 2021 - $15,531.26

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.)

Monday, March 15, 2021

Endowus - February 2021

My company has this policy that allows one to buy more/sell your annual leaves up to a certain limit which I thought was very interesting. If you have the choice, will you buy more or sell your annual leaves? I think the decision shows which stage of life you are at. 

For instance, I would have sold all the leaves available in the first few years of my career (not married, no kids) so that I can get more money in return. However, I actually value time over money now and I do need the leaves to take care of my family. Just like what happened this week, I took a last-minute one-week leave in order to relieve her from most of the baby duties because CZM sprained her back and was getting engorgement. Having said that, I am not going to buy more leaves because I still need money for other purposes. I think the next level is those that buy annual leaves without batting an eyelid. I guess that's what I will do once when we reach FI (Financial Independence) since we no longer need the money from our salary but it is always good to have that additional buffer. lol.

Risk Profile
Goal type: General wealth accumulation
Risk tolerance: Maximise returns (loss tolerance -60%)
Monthly investment using SRS: $638


I have modified my monthly investment in order to max out my SRS contribution for the year.

Account Summary


Capital: $11,788.00
Current: $13,549.30 (14.98%)

There are quite a few differences as compared to StashAway. Firstly, all the cash has been invested while StashAway keeps 1% of the portfolio in cash. Secondly, the fees are not deducted on a monthly basis. The Access Fee charged by Endowus will be deducted at the end of each quarter as stated in their FAQ.

As of 15 March 2021, the portfolio value is $14,830.21 (+19.40%).


Asset Allocation


This shows that the number of shares for each fund that I owned:
- Dimensional Global Core Equity Fund (187.0010)
- Infinity US 500 Stock Index Fund (2,208.0500)
- Dimensional Emerging Markets Large Cap Core Equity Fund (70.2910)
- Dimensional Pacific Basin Small Companies Fund (68.4890)

It will be great if they actually showed my average price vs the current market price. Anyway, the Feb SRS investment was not captured in the same month, hence the above looks identical to last month and you will see that there are no transactions below.

Transactions


That's all! Overall, I think the statement is pretty straightforward and easy to read. On a side note, StocksCafe does not has the ability to track funds, hence unable to do any form of comparison/benchmark.

Speaking of which, Endowus has finally launched a mobile app:
Android: https://play.google.com/store/apps/details?id=com.endowus.mobileapp

Endowus has also decided to extend their attractive CNY promotion to the end of March -  lowering of the minimum investment amount to just $888! Huat ah! 
To kickoff the Chinese New Year and to help people invest better from the start of the year, we will be running the following initiatives:
1. For the entire February March, we are lowering our minimum investment amount from $10,000 to $888
2. From 1 - 14 February, we have a sign-up bonus for new clients from $20 to $28

To be eligible for the $20 sign-up bonus, the prospective clients have to:
1. Be a new Endowus client
2. Create an account before the end of March (leave an email and password on our website) using a referral or affiliate link
3. Fund their account with $888 before the end of March

If you are interested in Endowus, do use our referral link for our readers! You will get S$10,000 managed free for 6 months ($20 equivalent) and we will get $20 too! 

You might be interested in the previous monthly update too:
Endowus - December 2020 - $12,466.20
- Endowus - February 2021 - $13,549.30

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.)

Saturday, March 13, 2021

StashAway - February 2021

We will be making a few changes to our StashAway portfolio. Firstly, the addition of a new portfolio for Baby Ong with a monthly investment of $100. I blogged about our investment plan for her here - Our Insurance and Investment Plan for Baby Ong. Secondly, we are reviewing if we should continue to contribute SRS for CZM given that she is now eligible for Working Mother’s Child Relief which reduces her tax significantly! We are also going to increase the risk index for CZM's SRS portfolio.

Investment for this month:
KPO and CZM Cash - StashAway Risk Index 22% - $1,000
Baby Ong Cash - StashAway Risk Index 36% - $100
KPO SRS - StashAway Risk Index 36% - $638
CZM SRS - StashAway Risk Index 14% - $250

Total: $1,988

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

KPO

CZM

Based on the statement (28 February 2021), our total investment is ‭$61,608.72! KPO gains $162.19 and CZM lost $144.85 for the month.

As of 12 March 2021, these are our portfolio performance:


KPO and CZM Cash - StashAway Risk Index 22%: $‭41,759.17 (42.76% - Capital: $33,000)


Baby Ong Cash - StashAway Risk Index 36%: $100.24 (-1.34% - Capital: $100)

You can read about the reason for the positive return but negative time-weighted return here.


KPO SRS - StashAway Risk Index 36%: $15,343.76 (48.14% - Capital: $12,426)


CZM SRS - StashAway Risk Index 14%: $6,482.40 (24.46% - Capital: $6,000)

2. PORTFOLIO DETAILS 
Note that these are reported in USD.

KPO and CZM Cash - StashAway Risk Index 22%

Baby Ong Cash - StashAway Risk Index 36%

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% + $25,000.00 x 0.7% + $5,735.46 x 0.6%) / 365 days * 28 days = $31.40.


The fee stated is based on the monthly-average assets SGD $6,360.02 x 0.8% / 365 days * 28 days = $3.90. 

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 (4.13%) for the year 2021, we can see that StashAway Risk Index 22% is underperforming all of our benchmarks.

If we compare across the years, StashAway's portfolio is winning by a huge margin (42.90%) except losing to SPY (60.79%) and IWDA (50.30%). 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 13.63%. Using the Rule of 72, it means that the StashAway portfolio will double our money in 72 / 13.63 ~ 5.3 years. In comparison, the same money if left in the bank account at 2% interest rate will take 72 / 2 ~ 36 years to double.


As for StashAway Risk Index 36%, the portfolio currently has a higher time-weighted return (48.38%) when compared against all the indexes (STI, SPY, and IWDA) but it is also clear that it is riskier in the sense that both its volatility/max drawdown are much higher when you compare against the benchmark and StashAway Risk Index 22% portfolio. The XIRR is 27.98% but it looks pretty skewed by 2021. Using the same rule, our money will double in 72 / 27.98 ~ 2.57 years.

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 - December 2020 - $56,721.26
StashAway - January 2021 - $59,991.38
- StashAway - February 2021 - $61,608.72

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.)