Endowus Performance Review – Year in Review 2021

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So, I missed out as time did not permit some form of blogging to report December results. It has been a tough tough month so far in terms of work, family and portfolio. It is time for the yearly review since I missed last month’s performance review. For performance 2021, I’m seeing that it will be yet another challenging year again with Covid variants running into the whole scheme of things. Economically, there will be impact regardless of the measures every country attempts.

Belated Happy New Year Everyone.

Portfolio Summary

The whole portfolio seem to be steady and going on a good long term growth. I am quite positive on US equities throughout the rest of 2022 for some reason despite the constant word around hyper inflation news. My cash portfolio isn’t doing too great. On hindsight, I do regret my decision because I thought I can take my liquidity out within 3 months. Now, i have to do it at a loss instead of waiting it out but then again, a $100-$200 loss is peanuts. Oh well, we have to take charge of our own decisions. I was greedy for yields and yet not willing to hold for a longer period.

Like any other month, I trust Endowus and I would actually recommend them to anyone I know. I know that my investments will be safe with them.  I also read in their newsletter that traditional banks and investing firms are starting to put in monies in the company as part of the drive to stay relevant. The paradigm shift is happening faster than expected. If you do feel like I am doing the right thing, please use my referral code. It is win-win for both of us.

Lower Investment amount

Whatever it is, they have been quite reasonable about everything. Another plus point is that they have also given me a lot of comfort in the way they allow investors to reduce their initial investing sum. Minimum sum should not be the way to investing. Overall, I feel that I take more pride in knowing who is holding my money and how they do it. So, S$1000 is the way to begin.

Lowering the bar also allows people who are younger to start early in this long-term process. The other point is what many people are talking about which is the fees. They are probably the only one in the market to rebate trailer fees. I like that bold big move as compared to the other advisors. I will slowly shift my funds over to them. Everyone is different so, you have to try them out first before you decide.

There’s something else which I like about them and that is how they use the power of retail investors to put money into institutional class funds. These funds are accessible only to people with the money and volume to purchase. Yet, they are now available to retail investors.

Cash Fund Ultra Portfolio

I started the ultra portfolio since July 2021 which claims to be around 1.9-2.1% (this went downwards) because I can’t find anything that yields more than 1% interests.

Not sure how this might work out but over the long run, it should be fine. I hope can recover some of the losses but as a function of market related money market funds, I think it will take some time.

I also added another 25k into the portfolio as cash injection to yield higher interests but it has been negative since day one and still in negative territory so let’s wait and see how things pan out. Negative $163.14 and I’ve withdrawn $12K from this disappointing cash portfolio.

 

ESG Portfolio

I started this ESG Portfolio during March 2021 and I have some high hopes for this fund to do pretty well. 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 trying to make a difference for our little ones. Performance has been stellar. In year 2021, it has performed +13.25%. Sustainable investing has been pretty popular of late.

 

The allocation 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. You do good and it brings you sustainable returns. It is for the future and the next generation. I can’t explain more. Maybe it is time for more deployment of cash.

SRS Portfolio

Overall, portfolio is up +26.59% 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. in 2021, simple return is 13.45% increase in absolute terms – Fantastic once more. This is for the long run. I’m just going to keep it simple to report it overall as I have less time on my hand these days. But do try it out and put out your own performance and tell everyone about the experience. Unless, you nitpick aggressively – I think you will be fine. This has been double digit returns since 2020 (which is almost 2 years)

 

CPF Portfolio

For the CPF portfolio, it is looking at +16.42%% since inception in May 2020. This portfolio is beating my CPF returns every month.

 

In 2021, Simple returns is at 6.69%. Not as great as in 2020 but still good enough to cushion any dips.

Fund Smart Portfolio

I started this semi medium term Fund Smart portfolio this month in May 2021. I tried to build a balance portfolio. I’m not exactly sure but I will go in via RSP monthly as I wasn’t sure but I do want to deploy some of my cash. I have put in just a little during the correction and it is at -0.55% in 2021. This is done monthly on RSP until end of the year. I tried to run a mini thematic fund around this fund and diversification is key. Of course, if I had just dumped these into the ESG portfolio from the start, performance would have been much better now.

Some details of my so called diversified portfolio:

Overall: 52% Equity and 48% Fixed Income

a. 15% in Multi Asset Fund (1 Fund)

b. 45% in Equity Funds (2 Funds)

i. Focus into China Play [10%]

ii. Global equity with dividend accumulation (Re-invest) [20%]

iii. Small Cap equity play (For the Alpha) [15%]

c. 40% in Bond Funds (3 Funds)

i. Climate Bond Fund Play [20%]

ii. Core Fixed Income Play [20%]

Retirement Portfolio

I got down into building a portfolio of unallocated funds to the institution Pimco GIS Income Fund in 2021. 0.55% will be the fees annually so that’s going to be start of the accumulation of the coupons from the funds. I will add on 2 or 3 tranches of the same should the time allows. Otherwise I would look at the Lion Global fund that matches the S&P 500 Index for a long-term portfolio. Since inception, it is up +0.18% (reinvest) in 2021. We shall see where we are heading towards. I put in another S$10k into the fund in July 2021 and the accumulation is slowly taking place.

I really do need to deploy some cash as I can’t get 2% on cash solutions. It has been 6 months since I did any additional cash injection.

The reason for Endowus

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.

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.

Endowus Performance Review – Nov 2021

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A very late review of November 2021 – It has been a tough tough month so far in terms of work, family and portfolio. It is time for the monthly review again. Last month was flat as usual but this is very little impact on the portfolio as performance has been stellar since inception. For performance in Nov 2021, I’m seeing some market pull back closer to the end of the month and it is finally showing how it is going to be for current markets until the end of 2021.

Portfolio Summary

The whole portfolio seem to be steady and going on a good long term growth. I am quite positive on US equities throughout the rest of 2021 for some reason despite the constant word around hyper inflation news. My cash portfolio isn’t doing too great. On hindsight, I do regret my decision because I thought I can take my liquidity out within 3 months. Now, i have to do it at a loss instead of waiting it out but then again, a $100 loss is peanuts. Oh well, we have to take charge of our own decisions. I was greedy for yields and yet not willing to hold for a longer period.

Like any other month, I trust Endowus and I would actually recommend them to anyone I know. I know that my investments will be safe with them.  I also read in their newsletter that traditional banks and investing firms are starting to put in monies in the company as part of the drive to stay relevant. The paradigm shift is happening faster than expected. In December, the referral fees have doubled from $20 to $40 so do check them out for some perks for yourself.

Lower Investment amount

Whatever it is, they have been quite reasonable about everything. Another plus point is that they have also given me a lot of comfort in the way they allow investors to reduce their initial investing sum. Minimum sum should not be the way to investing. Overall, I feel that I take more pride in knowing who is holding my money and how they do it.

Lowering the bar also allows people who are younger to start early in this long-term process. The other point is what many people are talking about which is the fees. They are probably the only one in the market to rebate trailer fees. I like that bold big move as compared to the other advisors. I will slowly shift my funds over to them. Everyone is different so, you have to try them out first before you decide.

There’s something else which I like about them and that is how they use the power of retail investors to put money into institutional class funds. These funds are accessible only to people with the money and volume to purchase. Yet, they are now available to retail investors.

Cash Fund Ultra Portfolio

I started the ultra portfolio since July 2021 which claims to be around 1.9-2.1% (this went downwards) because I can’t find anything that yields more than 1% interests.

 

Not sure how this might work out but over the long run, it should be fine. I hope can recover some of the losses but as a function of market related money market funds, I think it will take some time.

I also added another 30k into the portfolio as cash injection to yield higher interests but it has been negative since day one and still in negative territory so let’s wait and see how things pan out. Negative $177.62

 

ESG Portfolio

I started this ESG Portfolio during March 2021 and I have some high hopes for this fund to do pretty well. 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 trying to make a difference for our little ones. Performance has been stellar. It has pulled back and recovered to +13.37% into the positive territory at +15% during the year. Might consider adding on to this.

 

The allocation 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. You do good and it brings you sustainable returns. It is for the future and the next generation. I can’t explain more. Maybe it is time for more deployment of cash.

SRS Portfolio

Overall, portfolio is up +27.71% 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 13 Dec 2021, it is a +27.71% increase in absolute terms – Fantastic once more. This is for the long run. I’m just going to keep it simple to report it overall as I have less time on my hand these days. But do try it out and put out your own performance and tell everyone about the experience. Unless, you nitpick aggressively – I think you will be fine. This has increased +1.5+% points for the month of Nov.

 

On the YTD front, I’m looking at +13.40% in 2021. More great news.

CPF Portfolio

For the CPF portfolio, it is looking at +18.08% since inception in May 2020. That’s approximately +1.7% from the previous month in Oct 2021. This portfolio is beating my CPF returns every month.

On the YTD front, it is yielding +7.08% in 2021. Nice recovery.

Fund Smart Portfolio

I started this semi medium term Fund Smart portfolio this month in May 2021. I tried to build a balance portfolio. I’m not exactly sure but I will go in via RSP monthly as I wasn’t sure but I do want to deploy some of my cash. I have put in just a little during the correction and it is at +0.31% to date. This is done monthly on RSP until end of the year. As compared to Oct 2021, the portfolio is flat. I tried to run a mini thematic fund around this fund and diversification is key. Of course, if I had just dumped these into the ESG portfolio from the start, performance would have been much better now.

 

Overall: 52% Equity and 48% Fixed Income

a. 15% in Multi Asset Fund (1 Fund)

b. 45% in Equity Funds (2 Funds)

i. Focus into China Play [10%]

ii. Global equity with dividend accumulation (Re-invest) [20%]

iii. Small Cap equity play (For the Alpha) [15%]

c. 40% in Bond Funds (3 Funds)

i. Climate Bond Fund Play [20%]

ii. Core Fixed Income Play [20%]

Retirement Portfolio

So last month, I got down into building a portfolio of unallocated funds to the institution Pimco GIS Income Fund. 0.55% will be the fees annually so that’s going to be start of the accumulation of the coupons from the funds. I will add on 2 or 3 tranches of the same should the time allows. Otherwise I would look at the Lion Global fund that matches the S&P 500 Index for a long-term portfolio. Since inception, it is up +0.09% (reinvest) on 13 Dec 2021. We shall see where we are heading towards. I put in another S$10k into the fund in July 2021 and the accumulation is slowly taking place.

I really do need to deploy some cash as I can’t get 2% on cash solutions.

 

The reason for Endowus

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.

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.

Endowus Performance Review – Oct 2021

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October 2021 is finally over – It has been a tough tough month so far in terms of work, family and portfolio. It is time for the monthly review again. Last month was flat as usual but this is very little impact on the portfolio as performance has been stellar since inception. For performance in Oct 2021, I’m seeing some market pull back closer to the end of the month and it is finally showing how it is going to be for current markets.

Portfolio Summary

The whole portfolio seem to be steady and going on a good long term growth. I am quite positive on US equities throughout the rest of 2021 for some reason despite the constant word around hyper inflation news. My cash portfolio isn’t doing too great. On hindsight, I do regret my decision because I thought I can take my liquidity out within 3 months. Now, i have to do it at a loss instead of waiting it out.

Like any other month, I trust Endowus and I would actually recommend them to anyone I know. I know that my investments will be safe with them.  I also read in their newsletter that traditional banks and investing firms are starting to put in monies in the company as part of the drive to stay relevant. The paradigm shift is happening faster than expected.

Lower Investment amount

Whatever it is, they have been quite reasonable about everything. Another plus point is that they have also given me a lot of comfort in the way they allow investors to reduce their initial investing sum. Minimum sum should not be the way to investing. Overall, I feel that I take more pride in knowing who is holding my money and how they do it.

Lowering the bar also allows people who are younger to start early in this long-term process. The other point is what many people are talking about which is the fees. They are probably the only one in the market to rebate trailer fees. I like that bold big move as compared to the other advisors. I will slowly shift my funds over to them. Everyone is different so, you have to try them out first before you decide.

There’s something else which I like about them and that is how they use the power of retail investors to put money into institutional class funds. These funds are accessible only to people with the money and volume to purchase. Yet, they are now available to retail investors.

Cash Fund Ultra Portfolio

I started the ultra portfolio since July 2021 which claims to be around 1.9-2.1% (this went downwards) because I can’t find anything that yields more than 1% interests.

Not sure how this might work out but over the long run, it should be fine. Portfolio is now flat at 0% after a week of negative. This should be fine pretty decent going forward but funds being funds, they will all move on a downtrend.

I also added another 30k into the portfolio as cash injection to yield higher interests but it has been negative since day one and still in negative territory so let’s wait and see how things pan out.

ESG Portfolio

I started this ESG Portfolio during March 2021 and I have some high hopes for this fund to do pretty well. 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 trying to make a difference for our little ones. Performance has been stellar. It has pulled back and recovered to +13.98% into the positive territory at +15% during the year. Might consider adding on to this.

The allocation 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. You do good and it brings you sustainable returns. It is for the future and the next generation. I can’t explain more. Maybe it is time for more deployment of cash.

SRS Portfolio

Overall, portfolio is up +25.76% 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 02 Nov 2021, it is a +25.76% increase in absolute terms – Fantastic once more. This is for the long run. I’m just going to keep it simple to report it overall as I have less time on my hand these days. But do try it out and put out your own performance and tell everyone about the experience. Unless, you nitpick aggressively – I think you will be fine. This has increased +2+% points for the month of Oct.

On the YTD front, I’m looking at +13.14% in 2021. Great news.

CPF Portfolio

For the CPF portfolio, it is looking at +16.77% since inception in May 2020. That’s approximately +1.1% from the previous month in Sep 2021. This portfolio is beating my CPF returns every month.

 

Similar to the previous months, interest rates for cash has been dropping like crazy. That’s pretty expected and the trend is to follow.

 

On the YTD front, it is yielding +6.50% in 2021. Nice recovery.

Fund Smart Portfolio

I started this semi medium term Fund Smart portfolio this month in May 2021. I tried to build a balance portfolio. I’m not exactly sure but I will go in via RSP monthly as I wasn’t sure but I do want to deploy some of my cash. I have put in just a little during the correction and it is at +0.01% to date. This is done monthly on RSP until end of the year. As compared to Sep 2021, the portfolio is flat. I tried to run a mini thematic fund around this fund and diversification is key. Of course, if I had just dumped these into the ESG portfolio from the start, performance would have been much better now.

Overall: 52% Equity and 48% Fixed Income

a. 15% in Multi Asset Fund (1 Fund)

b. 45% in Equity Funds (2 Funds)

i. Focus into China Play [10%]

ii. Global equity with dividend accumulation (Re-invest) [20%]

iii. Small Cap equity play (For the Alpha) [15%]

c. 40% in Bond Funds (3 Funds)

i. Climate Bond Fund Play [20%]

ii. Core Fixed Income Play [20%]

Retirement Portfolio

So last month, I got down into building a portfolio of unallocated funds to the institution Pimco GIS Income Fund. 0.55% will be the fees annually so that’s going to be start of the accumulation of the coupons from the funds. I will add on 2 or 3 tranches of the same should the time allows. Otherwise I would look at the Lion Global fund that matches the S&P 500 Index for a long-term portfolio. Since inception, it is up +0.46% (reinvest) on 2 Nov 2021. We shall see where we are heading towards. I put in another S$10k into the fund in July 2021 and the accumulation is slowly taking place.

I really do need to deploy some cash as I can’t get 2% on cash solutions.

The reason for Endowus

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.

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.

Endowus Performance Review – Sep 2021

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Wake me up when September ends. It is time for the monthly review again. Last month was flat as usual but this is very little impact on the portfolio as performance has been stellar since inception. For performance in Sep 2021, I’m seeing some market pull back and it is finally showing how it is going to be for current markets. The whole portfolio seem to be steady and going on a good long term growth. I am quite positive on US equities throughout the rest of 2021 for some reason despite the constant word around hyper inflation news. As it seems, it is not quite a good month due to all the bad news coming out from China.

Like any other month, I trust Endowus and I would actually recommend them to anyone I know. I know that my investments will be safe with them.  I also read in their newsletter that traditional banks and investing firms are starting to put in monies in the company as part of the drive to stay relevant. The paradigm shift is happening faster than expected.

Whatever it is, they have been quite reasonable about everything. Another plus point is that they have also given me a lot of comfort in the way they allow investors to reduce their initial investing sum. Minimum sum should not be the way to investing. Overall, I feel that I take more pride in knowing who is holding my money and how they do it. Lowering the bar also allows people who are younger to start early in this long-term process. The other point is what many people are talking about which is the fees. They are probably the only one in the market to rebate trailer fees. I like that bold big move as compared to the other advisors. I will slowly shift my funds over to them. Everyone is different so, you have to try them out first before you decide.

There’s something else which I like about them and that is how they use the power of retail investors to put money into institutional class funds. These funds are accessible only to people with the money and volume to purchase. Yet, they are now available to retail investors.

Cash Fund Ultra Portfolio

I started the ultra portfolio since July 2021 which claims to be around 1.9-2.1% (Changed upwards of 0.1% for now) because I can’t find anything that yields more than 1% interests.

Not sure how this might work out but over the long run, it should be fine. Portfolio is now flat at 0% after a week of negative. This should be fine pretty decent going forward but funds being funds, they will all move on a downtrend.

I also added another 30k into the portfolio as cash injection to yield higher interests but it has been negative since day one so let’s wait and see how things pan out.

ESG Portfolio

I started this ESG Portfolio during March 2021 and I have some high hopes for this fund to do pretty well. 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 trying to make a difference for our little ones. So, a little step goes a long way. It has pulled back this month going +9.81% into the positive territory at +15% during the year. Might consider adding on to this.

 

This is at +9.81% since inception some time in Mid March 2021. (and -3.0 plus % since Aug 2021) This is probably a healthy pullback. The allocation 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. You do good and it brings you sustainable returns. It is for the future and the next generation. I can’t explain more. Maybe it is time for more deployment of cash.

SRS Portfolio

Overall, portfolio is up +23.93% 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 02 Sep 2021, it is a +23.93% increase in absolute terms – Fantastic once more. This is for the long run. I’m just going to keep it simple to report it overall as I have less time on my hand these days. But do try it out and put out your own performance and tell everyone about the experience. Unless, you nitpick aggressively – I think you will be fine. This has dropped 2+% points for the month of Sep.

 

On the YTD front, I’m looking at +10.00% in 2021. Great news for me but it dropped -3 plus % points in Sep.

CPF Portfolio

For the CPF portfolio, it is looking at +15.62% since inception in May 2020. That’s approximately 1.5% drop from the previous month in Aug 2021. This portfolio is beating my CPF returns every month.

Similar to the previous months, interest rates for cash has been dropping like crazy. That’s pretty expected and the trend is to follow.

 

On the YTD front, it is yielding +4.85% in 2021. Nice but it has dropped 3+% points for Sep.

Fund Smart Portfolio

I started this semi medium term Fund Smart portfolio this month in May 2021. I tried to build a balance portfolio. I’m not exactly sure but I will go in via RSP monthly as I wasn’t sure but I do want to deploy some of my cash. I have put in just a little during the correction and it is at -0.40% to date. This is done monthly on RSP until end of the year. As compared to Aug 2021, the portfolio is down by 2 plus %. I tried to run a mini thematic fund around this fund and diversification is key. Of course, if I had just dumped these into the ESG portfolio from the start, performance would have been much better now.

 

Overall: 52% Equity and 48% Fixed Income

a. 15% in Multi Asset Fund (1 Fund)

b. 45% in Equity Funds (2 Funds)

i. Focus into China Play [10%]

ii. Global equity with dividend accumulation (Re-invest) [20%]

iii. Small Cap equity play (For the Alpha) [15%]

c. 40% in Bond Funds (3 Funds)

i. Climate Bond Fund Play [20%]

ii. Core Fixed Income Play [20%]

Retirement Portfolio

So last month, I got down into building a portfolio of unallocated funds to the institution Pimco GIS Income Fund. 0.55% will be the fees annually so that’s going to be start of the accumulation of the coupons from the funds. I will add on 2 or 3 tranches of the same should the time allows. Otherwise I would look at the Lion Global fund that matches the S&P 500 Index for a long-term portfolio. Since inception, it is up +0.64% (reinvest) on 1 Oct 2021. We shall see where we are heading towards. I put in another S$10k into the fund in July 2021 and the accumulation is slowly taking place. This has dropped 0.4% for the month of Sep

I really do need to deploy some cash as I can’t get 2% on cash solutions.

 

The reason for Endowus

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.

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.

Endowus Performance Review – Aug 2021

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We are into the 8th month of 2021 and it is time for Aug monthly review again. Last month was flat as usual but this is very little impact on the portfolio as performance has been stellar since inception. For performance in Aug 2021, I’m seeing new index highs but yet careful on what is going to show in the near future. The whole portfolio seem to be steady and going on a good long term growth. I am quite positive on US equities throughout the rest of 2021 for some reason despite the constant word around hyper inflation news.

Like any other month, I trust Endowus and I would actually recommend them to anyone I know. I know that my investments will be safe with them.  I also read in their newsletter that traditional banks and investing firms are starting to put in monies in the company as part of the drive to stay relevant. The paradigm shift is happening faster than expected.

Whatever it is, they have been quite reasonable about everything. Another plus point is that they have also given me a lot of comfort in the way they allow investors to reduce their initial investing sum. Minimum sum should not be the way to investing. Overall, I feel that I take more pride in knowing who is holding my money and how they do it. Lowering the bar also allows people who are younger to start early in this long-term process. The other point is what many people are talking about which is the fees. They are probably the only one in the market to rebate trailer fees. I like that bold big move as compared to the other advisors. I will slowly shift my funds over to them. Everyone is different so, you have to try them out first before you decide.

There’s something else which I like about them and that is how they use the power of retail investors to put money into institutional class funds. These funds are accessible only to people with the money and volume to purchase. Yet, they are now available to retail investors.

Cash Fund Ultra Portfolio

I started the ultra portfolio since July 2021 which claims to be around 1.9-2.1% (Changed upwards of 0.1% for now) because I can’t find anything that yields more than 1% interests.

Not sure how this might work out but over the long run, it should be fine. Portfolio is up now by +0.33% after a week of negative. This should be fine pretty decent going forward.

 

ESG Portfolio

I started this ESG Portfolio during March 2021 and I have some high hopes for this fund to do pretty well. 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 trying to make a difference for our little ones. So, a little step goes a long way.

 

This is at +13.28% since inception some time in Mid March 2021. (and +2.5plus% since July 2021) This is moving in a good direction to date. The allocation 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. You do good and it brings you sustainable returns. It is for the future and the next generation. I can’t explain more. My only regret was I did not put in more.

SRS Portfolio

Overall, portfolio is up +26.10% 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 02 Sep 2021, it is a +26.10% increase in absolute terms – Fantastic once more. This is for the long run. I’m just going to keep it simple to report it overall as I have less time on my hand these days. But do try it out and put out your own performance and tell everyone about the experience. Unless, you nitpick aggressively – I think you will be fine.

On the YTD front, I’m looking at +13.48% in 2021. Great news for me.

CPF Portfolio

For the CPF portfolio, it is looking at +17.41% since inception in May 2020. That’s approximately 0.80% increase from the previous month in July 2021. This portfolio is beating my CPF returns every month.

 

Similar to the previous months, interest rates for cash has been dropping like crazy. That’s pretty expected and the trend is to follow.

On the YTD front, it is yielding +7.14% in 2021. Nice.

Fund Smart Portfolio

I started this semi medium term Fund Smart portfolio this month in May 2021. I tried to build a balance portfolio. I’m not exactly sure but I will go in via RSP monthly as I wasn’t sure but I do want to deploy some of my cash. I have put in just a little during the correction and it is at +1.78% to date. This is done monthly on RSP until end of the year. As compared to July 2021, the portfolio is slightly up by +0.1%. I tried to run a mini thematic fund around this fund and diversification is key. Of course, if I had just dumped these into the ESG portfolio from the start, performance would have been much better now.

Overall: 52% Equity and 48% Fixed Income

a. 15% in Multi Asset Fund (1 Fund)

b. 45% in Equity Funds (2 Funds)

i. Focus into China Play [10%]

ii. Global equity with dividend accumulation (Re-invest) [20%]

iii. Small Cap equity play (For the Alpha) [15%]

c. 40% in Bond Funds (3 Funds)

i. Climate Bond Fund Play [20%]

ii. Core Fixed Income Play [20%]

Retirement Portfolio

So last month, I got down into building a portfolio of unallocated funds to the institution Pimco GIS Income Fund. 0.55% will be the fees annually so that’s going to be start of the accumulation of the coupons from the funds. I will add on 2 or 3 tranches of the same should the time allows. Otherwise I would look at the Lion Global fund that matches the S&P 500 Index for a long-term portfolio. Since inception, it is up +1.01% (reinvest) on 2 Sep 2021. We shall see where we are heading towards. I put in another S$10k into the fund in July 2021 and the accumulation is slowly taking place.

I really do need to deploy some cash as I can’t get 2% on cash solutions.

The reason for Endowus

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.

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.

Endowus Performance (New Cash – Ultra Added) – July 2021

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It is the time to do Endowus July 20221 monthly review again. Last month was kind of a stagnant month but this is very little impact on the portfolio as performance has been stellar since inception. For performance in July 2021, I’m seeing new index highs but yet careful on what is going to show in the near future. The whole portfolio seem to be steady and going on a good long term growth.

Like many of my previous post and like a repeater every month, I kind of trust Endowus. I feel that their corporate story sells to me. Frankly, I would actually recommend them to anyone I know. I know that my investments will be safe with them.  I also read in their newsletter that traditional banks and investing firms are starting to put in monies in the company as part of the drive to stay relevant.

Whatever it is, they have been quite reasonable about everything. Another plus point is that they have also given me a lot of comfort in the way they allow investors to reduce their initial investing sum. Minimum sum should not be the way to investing. Overall, I feel that I take more pride in knowing who is holding my money and how they do it. Lowering the bar also allows people who are younger to start early in this long-term process. The other point is what many people are talking about which is the fees. They are probably the only one in the market to rebate trailer fees. I like that bold big move as compared to the other advisors. I will slowly shift my funds over to them. Everyone is different so, you have to try them out first before you decide.

Cash Fund Ultra Portfolio

I started tried out their ultra portfolio which claims to be around 1.8-2% (Investing into cash related funds) because I can’t find anything that yields more than 1% interests.

Not sure how this might work out but over the long run, it should be fine. Portfolio is down -0.04% after a week. This should be fine though.

ESG Portfolio

I started this ESG Portfolio during March 2021 and I have some high hopes for this fund to do pretty well. 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 trying to make a difference for our little ones. So, a little step goes a long way.

 

This is at +10.72% since inception some time in Mid March 2021. (and +2plus% since June 2021) This is moving in a good direction to date. The allocation 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. You do good and it brings you sustainable returns. It is for the future and the next generation. I can’t explain more. My only regret was I did not put in more.

SRS Portfolio

Overall, portfolio is up +24.90% 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 30 July 2021, it is a +24.90% increase in absolute terms – Fantastic. This is for the long run. I’m just going to keep it simple to report it overall as I have less time on my hand these days. But do try it out and put out your own performance and tell everyone about the experience. Unless, you nitpick aggressively – I think you will be fine.

 

CPF Portfolio

For the CPF portfolio, it is looking at +16.67% since inception in May 2020. That’s about a 1.20% increase from the previous month in June 2021. This portfolio is beating my CPF returns.

 

Similar to the previous months, interest rates for cash has been dropping like crazy. That’s pretty expected and the trend is to follow.

Fund Smart Portfolio

I started this semi medium term Fund Smart portfolio this month in May 2021. I tried to build a balance portfolio. I’m not exactly sure but I will go in via RSP monthly as I wasn’t sure but I do want to deploy some of my cash. I have put in just a little during the correction and it is at +1.68% to date. This is done monthly on RSP until end of the year. As compared to June 2021, the portfolio is slightly up by +0.2%.

 

Overall: 52% Equity and 48% Fixed Income

a. 15% in Multi Asset Fund (1 Fund)

b. 45% in Equity Funds (2 Funds)

i. Focus into China Play [10%]

ii. Global equity with dividend accumulation (Re-invest) [20%]

iii. Small Cap equity play (For the Alpha) [15%]

c. 40% in Bond Funds (3 Funds)

i. Climate Bond Fund Play [20%]

ii. Core Fixed Income Play [20%]

Retirement Portfolio

So last month, I got down into building a portfolio of unallocated funds to the institution Pimco GIS Income Fund. 0.55% will be the fees annually so that’s going to be start of the accumulation of the coupons from the funds. I will add on 2 or 3 tranches of the same should the time allows. Otherwise I would look at the Lion Global fund that matches the S&P 500 Index for a long-term portfolio. Since inception, it is up 0.46% (reinvest) on 4 Aug 2021. We shall see where we are heading towards. I put in another S$10k into the fund in July 2021 and the accumulation is slowly taking place.

I really do need to deploy some cash as I can’t get 2% on cash solutions.

 

The reason for Endowus

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.

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.

Endowus Performance (1 New Pimco GIS Income Fund Added) – June 2021

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I must say that I kind of like to do the Endowus monthly review as it has been stellar since inception. For performance in June 2021, it seems like market moved sideways and finished a little more on the positive side. I’m seeing new index highs but yet careful on what is going to show in the near future. The whole portfolio seem to be steady and going on a good long term growth.

Like many of my previous post, I kind of trust Endowus. Recently they wrote to users to write reviews on their platforms to get additional rebate fees (their quarterly fees for managing the money) and that’s a no brainer. I feel that their corporate story sells to me. Frankly, I would actually recommend them to anyone I know. I know that my investments will be safe with them.  I also read in their newsletter that traditional banks and investing firms are starting to put in monies in the company as part of the drive to stay relevant.

Whatever it is, they have been quite reasonable about everything. Another plus point is that they have also given me a lot of comfort in the way they allow investors to reduce their initial investing sum. Minimum sum should not be the way to investing. Overall, I feel that I take more pride in knowing who is holding my money and how they do it. Lowering the bar also allows people who are younger to start early in this long-term process.

ESG Portfolio

I started this ESG Portfolio during March 2021 and I have some high hopes for this fund to do pretty well. 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 trying to make a difference for our little ones. So, a little step goes a long way.

 

This is at +7.55% since inception some time in Mid March 2021. This is moving in a good direction to date. The allocation 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. You do good and it brings you sustainable returns. It is for the future and the next generation.

SRS Portfolio

Overall, portfolio is up +23.06% 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 30 June 2021, it is a +23.06% increase in absolute terms – Fantastic. For YTD performance, the fund was stable and at + 9.27% for 2021. Sweet. Long term guys, long term view.

 

CPF Portfolio

For the CPF portfolio, it is looking at +14.98% since inception in May 2020.

 

In Terms of YTD returns in 2021, I’m looking at +4.27% and that’s about a 1.80% increase from the previous month. Marvellous – The way I see it.

 

Similar to the previous months, interest rates for cash has been dropping like crazy. That’s pretty expected.

Fund Smart Portfolio

I started this semi medium term Fund Smart portfolio this month in May 2021. I tried to build a balance portfolio. I’m not exactly sure but I will go in via RSP monthly as I wasn’t sure but I do want to deploy some of my cash. I have put in just a little during the correction and it is at +1.24% to date. This is done monthly on RSP until end of the year.

 

Overall: 52% Equity and 48% Fixed Income

a. 15% in Multi Asset Fund (1 Fund)

b. 45% in Equity Funds (2 Funds)

i. Focus into China Play [10%]

ii. Global equity with dividend accumulation (Re-invest) [20%]

iii. Small Cap equity play (For the Alpha) [15%]

c. 40% in Bond Funds (3 Funds)

i. Climate Bond Fund Play [20%]

ii. Core Fixed Income Play [20%]

Retirement Portfolio

So last month, I got down into building a portfolio of unallocated funds to the institution Pimco GIS Income Fund. 0.55% will be the fees annually so that’s going to be start of the accumulation of the coupons from the funds. I will add on 2 or 3 tranches of the same should the time allows. Otherwise I would look at the Lion Global fund that matches the S&P 500 Index for a long-term portfolio. Since inception, it is up 0.37% (reinvest) on 22 June 2021. We shall see where we are heading towards.

I don’t really know how it will go from here but I really do need to deploy some cash as I can’t get 2% on cash solutions.

The reason for Endowus

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.

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.

ESG & more on Endowus & Why Endowus

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There’s a lot of hype around Robo-Advisors these days. I still go by the same rules, if nothing is broken, there isn’t a need to fix anything. Robos are here to stay for sure and they have been rather un-emotional when it comes to investing (That is a good thing by the way if you are thinking otherwise)

Trust

Trust – It is the pinnacle of consideration when you invest or put money with a certain institution. Endowus has been – I would use the word trustworthy to describe them. A lot of these have been shown in how they conduct their business. Firstly, I have a finance background and for the longest time, I’ve worked in Finance. To be honest, there wasn’t a single day I felt happy until I truly left the industry. Finance is all about numbers and money. People are motivated by the fact that they make the quickest buck from the fastest source. However, what I am seeing here is quite the opposite. They are pretty truthful and walk the talk through their actions.

The points in Summary

  • The introduction of institutional class funds. If you are not in the know, you will not know. The more funds/money you have, the more you will be in the know hence you save more on fees.
  • The exclusivity in certain funds that only that few can launch with other fund providers. Sometimes, it’s about the expertise that is focused on the fund type
  • The fund rebate. No need to explain more about it. Fund fees and rebates are very transparent and apparent in how they rebate it back.
  • Quarterly fund charges are charged only end of the quarter. I’ve never seen that before or not many does it. Most funds and banks does the front loading. The worst type of funds are ILP – They embed the bid-ask to 5% (That’s just rip off and I say that those who offer these may not even know about it)
  • First and only digital advisor to be able to use your CPF to invest. Speaks a a lot about the trust of the board to allow them to do so.

New Point to Note (& ESG)

  • Recently, they launched an ESG fund portfolio that is made up from several well known fund houses specific to the ESG criteria. It is important to invest responsibly and sustainably. ESG has been around for the longest time. In Asia, we hardly ever hear it until only recent years and by quickly moving on this front – They are really one of the fastest to bring this up to scratch. No doubt, this is one to invest for the generations to come.
  • To secure your funds, all your investments are not held in custody. You own your own account in UOB Kay Hian but the investment is managed by Endowus. This is to safeguard your own money should they decide to close down one day (which I don’t think they will in the near term)

Finally, i recently received an email from them. For the longest time, they have the bar set at an initial S$10k investment. This has been slowly reduced and to date. For every friend who invests with Endowus, you both get $20 in Access Fee credits, equivalent to $10,000 advised free for 6 months. There is no limit to the number of friends you can invite.

There is anything much to add on and nothing to complain about other than your investment and redemption takes times to complete.

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 https://lifejourney.blog/contact/

These pictures were taken off Endowus website for reference.