$$$ KPO and CZM $$$: StashAway - May 2021

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Sunday, June 27, 2021

StashAway - May 2021

We just came back from our first staycation with Baby Ong at Shangri-La (Garden Wing) and the experience is so different with a baby where half the time was spent in the room trying to coax her to sleep. lol. We were also disappointed with Shangri-La when we compared it with our Andaz Residence King Bed Suite Staycation last year. Shall blog and elaborate more in my next article!

In last month StashAway update, I mentioned the possibility of closing off StashAway to move more money into DeFi but has decided not to do it for 2 reasons:
1. CZM was not comfortable with that idea. When I closed Syfe, the money was used to invest in REITs (to increase the ability to leverage) so she's perfectly fine with it.
2. The yield has dropped drastically from 30-40% for stablecoins when I first discovered and blogged about it (DeFi - Farming MATIC using Aave + Curve) to 7-10% which makes it a lot less attractive now for the risks I will be taking on.

Investment for this month:
KPO and CZM Cash - StashAway Risk Index 22% - $1,500
Baby Ong Cash - StashAway Risk Index 36% - $100
KPO SRS - StashAway Risk Index 36% - $638

Total: $2,238

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

KPO

CZM

Based on the statement (31 May 2021), our total investment is ‭$70,178.91! KPO gains $77.93 and CZM gains $14.40 for the month.

As of 25 June 2021, these are our portfolio performance:


KPO and CZM Cash - StashAway Risk Index 22%: $‭47,528.88 (44.27% - Capital: $38,250)


Baby Ong Cash - StashAway Risk Index 36%: $454.53 (-1.83% - Capital: $450)


KPO SRS - StashAway Risk Index 36%: $17,206.92 (47.34% - Capital: $14,340)


CZM SRS - StashAway Risk Index 22%: $6,580.12  (26.34% - 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 22%

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% + $11,662.90 x 0.6%) / 365 days * 31 days = $37.79.


The fee stated is based on the monthly-average assets SGD $6,490.96 x 0.8% / 365 days * 31 days = $4.41. 

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 (5.70%) 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 (44.85%) against STI but lost to SPY (75.25%) and IWDA (63.69%). 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 12.40%. Using the Rule of 72 means that the StashAway portfolio will double our money in 72 / 12.40 ~ 5.81 years. In comparison, the same money if left in the bank account at a 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 (47.79%) 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 19.94%. Using the same rule, our money will double in 72 / 19.94 ~ 3.61 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.

On a side note, Futu's moomoo app has made their sign-up bonus even more attractive (one free Apple share + one free Nio share with 5 trades + other benefits) and it has been extended to 30th June 2021 (2000hr SGT)! Take a look at the latest benefits here.

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
StashAway - March 2021 - $64,759.72
StashAway - April 2021 - $67,210.58
- StashAway - May 2021 - $70,178.91

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.)

1 comment:

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