Here comes another Robo-advisor experience from my end. To re-iterate the risk level, I am still at the risk index to below 20% as I felt that there isn’t a need to go all out Risk On going into November. I still think that having calculated risk per $ makes more sense in my opinion as news and information goes on a random rampage.
As I have always preached, the important thing is that I am not left on the sidelines. If Mr Market decides to go either way, it would matter that much to me in my opinion.
Retirement Portfolio A (risk-14%)
The SRS account since deposit is currently at +2.07% as on 11 Dec 2020. Pretty stagnant I would say but I’m not too worried about this long term portfolio. Performance wise, I went into this knowing it was pretty high end of Jan 2020.
Education Portfolio B (risk-16%)
This is something I set on a 15-18 year horizon. It is at 5.78% on 11 Dec 2020 and I think that is okay going at around 6-7%p.a. that I assume going into the end of 2020. I have been averaging in whenever there are market dips. The risk index is at 16% and I will adjust from time to time but try not to touch any of those if you don’t quite understand how that works.
Education Portfolio C (risk-20%)
This portfolio has a shorter horizon of 12-15 years so I feel that I need to take on some risk to achieve my goals. This SA risk index is currently at 20% and will take on to be one of my riskiest portfolio. Return is at 10.14% at inception which I find it fantastic to reach double digits. More funds will be added over time to achieve my targeted invested goals.
So far StashAway has not failed me in a sense that it fits in to my investing style and logic. I wish to put more into the accounts but I can’t bring myself to invest when prices are going higher. However, this is a pretty good supplement in my opinion.
I shall re-look into how I present the performance. Perhaps a more systematic approach so that it is more of a reference instead of just a monthly update.
a. Month on Month
b. Quarter on Quarter
c. Year on Year
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The pictures were taken from the Stash Away website for this article.