The last few weeks have been pretty challenging looking after Baby Ong as she decides to stop sleeping early (~7:30pm) one day. Her routine is as such: we would pick her up from the infant care at 6pm, reach home around 6:45pm, bathe, feed and put her to sleep at 7:30pm. Nowadays, she refuse to sleep until it's like 9/10pm. Those with kids will know, we can only get things done when they are sleeping. Hence, we have been a lot less productive @_@" Oh well, guess this is part of her growing up and we just got to adapt accordingly.
Investment for this month:
Baby Ong Cash - StashAway Risk Index 36% - $100
Baby Ong Cash - StashAway Risk Index 36% - $100
KPO SRS - StashAway Risk Index 36% - $638
Total: $738
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 (30 September 2021), our total investment is $25,457.45! KPO lost $466.21 and CZM lost $148.97 for the month.
As of 24 October 2021, these are our portfolio performances:
Baby Ong Cash - StashAway Risk Index 36%: $781.20 (-7.60% - Capital: $800)
KPO SRS - StashAway Risk Index 36%: $19,384.62 (43.59% - Capital: $16,892)
CZM SRS - StashAway Risk Index 22%: $6,559.02 (25.93% - Capital: $6,000)
2. PORTFOLIO DETAILS
Note that these are reported in USD.
Note that these are reported in USD.
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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 22% |
3. FEE CALCULATIONS
The fee stated is based on the monthly-average assets SGD ($18,762.50 x 0.8%) / 365 days * 30 days = $12.34.
The fee stated is based on the monthly-average assets SGD $6,402.90 x 0.8% / 365 days * 30 days = $4.21.
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 (3.41%) for the year 2021, we can see that StashAway Risk Index 36% is underperforming all of the benchmarks (due to China Tech ETF - KWEB).
If we compare across the years, StashAway's portfolio is winning by a huge margin (43.67%) against STI but lost to SPY (73.68%) and IWDA (63.26%). The annualized return/XIRR of the portfolio is very impressive at 12.63% (it was impressive until I got into crypto where a savings equivalent product has a yield of 20% - DeFi - Terra (LUNA & UST) & Anchor Protocol (20% Interest)). Using the Rule of 72 means that the StashAway portfolio will double our money in 72 / 12.63 ~ 5.70 years. In comparison, if left in the bank account at a 2% interest rate, the same money will take 72 / 2 ~ 36 years to double.
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 sign-up promotion is slightly different for this month (from SGD 200 stock cash bundle to iPhone and AAPL shares. Do read the T&C here for more information). If you have yet to open an account, you can do so using our referral link :)
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
- StashAway - June 2021 - $73,133.14
- StashAway - July 2021 - $73,355.47
- StashAway - August 2021 - $25,334.63 (Closed one portfolio - Bye Bye StashAway!)
- StashAway - September 2021 - $25,457.45
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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