Endowus Performance March 2021 & YTD + New ESG Portfolio

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Time in March 2021 seem to just go by in a quick frenzy. Stock markets have retraced and between Tech and Cyclical equities, it seems to sway from side to side. There isn’t seem to be any clear signs for any particular trend. The slightest event such as the cargo tanker remained jammed up in the Suez Canal seem to have caught commodities in a stir for a week or two.

I’ve been talking about Endowus for a while now. I think there is something that attracts me to them. Perhaps it is the way they present themselves or maybe it is their mindset of investing that struck a chord with me. I would actually recommend them to anyone I know to be honest and I know that my investments will be safe with them. Further, they raised their first ever Serie A fund raising for expansion. It does sounds like a great step forward. Whatever was private, we don’t know but their first fund raising after being around for sometime does spark some confidence about how prudent they are and how much the founders value their own equity in the company. To me that is a plus when the founders want to keep stock value mainly because they see value in their own company.

ESG Portfolio (New)

I am quite intrigued in their new ESG portfolio that was constructed through the different fund houses. To a certain extent, I do want to put more into it but I am unsure since I’ve not read up on this but I do know that ESG have performed relatively well in the European zone. This segment would serve me well for a long term portfolio because I do see the value in investing in sustainable companies an practices. After all, we are saving this earth for our next generation – a little step goes a long way.

This is at +1.97% since inception some time in Mid March 2021. I like what I am seeing. Of course this is a 80%/20% Equity/Bond portfolio allocation so there will be more movement on the equity side. This is long term so, just leave it in there.

SRS Portfolio

Overall, portfolio is up 18.51% since May 2020 in SGD. As usual, in USD terms, due to no FX impact as the portfolio is USD ETFs, the performance will definitely be better especially when USD becomes stronger. Of course, the reference will be SGD since I use SGD. This is the SRS/Cash portfolio which consists of my favourite Dimension Funds in a 40% bonds/60% equity. Overall from May 2020 to 5 Apr 2021, it is a 18.51% increase in absolute terms – Fantastic. From Jan 2021 to 5 Apr 2021, the fund was stable and rising more  at 4.86%+ increase in portfolio. Not too bad really.

In Terms of YTD returns in 2021, I’m looking at 4.86%. I’m happy. Definitely topping up if there are any corrections (By definition a correction is more than 10% drop in a single day)

CPF Portfolio

For the CPF portfolio, it is also doing pretty well though not as well as my Dimension Fund portfolio. I’m still looking at 12.23% returns from May 2020 through to 5 Apr 2021.

In Terms of YTD returns in 2021, I’m looking at 1.68%. This is quite expected so not much of a surprise. I have no requirement to login daily to view my portfolio performance. Just a monthly review will be sufficient.

Similar to the previous months, cash management accounts have started to report a decline. This is also expected since LOW interest rate environment is here to stay for the long term.

I have been procrastinating about the Cash Smart Portfolio. Perhaps I will take a plunge to do it in April 2021. Takes a bit of courage to do that.

Like a broken recorder, the pros once more:

  • Endowus is the first and only robo-advisor to be approved by the CPF board.
  • 100% trailer fees back to the consumer, not the fund management fee. This is really one of a kind I’ve seen so far.
  • They do have a decent team who makes sense when introducing their platform in my personal opinion.
  • I believe all retail investor should try them out because of how they are trying to disrupt investing and make investing work for everyone.

Thank you all in advance for using my referral code.

Last point is to do your own diligence. What works for me may not work for you. Investing in traditional portfolios is about risk management, it isn’t Cryptocurrency. Super high risk = Potentially Super high returns. Fair enough in economic terms. Just remember that = Potentially Super high decrease in portfolio as well.

I’m not ruling cryptocurrency as an asset class here. What I do see is that they will be a disrupter in traditional currency in the future. What I am saying is traditional investments brings stable, slow and disciplined returns. I do have a portion of my funds in cryptocurrency and the latest trend of NFTs (Non-Fungible Tokens). I deal with these two investments separately and realistically.

Disclaimer

If you decide to sign up with Endowus, do remember to use my referral code: https://endowus.com/invite?code=EDZ8M

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

These pictures were taken off Endowus website for reference.

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