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 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
CZM SRS - StashAway Risk Index 14% - $250
Total: $1,988
1. PORTFOLIO SUMMARY (as of the last day of the month)
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| KPO |
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| 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:
As of 12 March 2021, these are our portfolio performance:
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.
Note that these are reported in USD.
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| KPO and CZM Cash - StashAway Risk Index 22% |
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| Baby Ong Cash - StashAway Risk Index 36% |
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| KPO SRS - StashAway Risk Index 36% |
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| 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.
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.)
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