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A new Brokerage in Town – uSMART SG

On April 18, 2022September 17, 2022 By RistrettzIn Cryptocurrency, Deals, Interest Rates, Macroeconomic, New Ideas, Performance, Personal Finance SeriesLeave a comment

After Tiger Brokers and Moomoo (by Futu), here comes another player in the market named uSMART SG. Who are they? Founded in December 2018, uSMART Group, has headquarters in Singapore, Hong Kong, China and New Zealand. They have a global workforce of 400, with more than half in the product and development teams.

Who They Are

uSMART SG is mainly backed by Hong Kong company – Chow Tai Fook Group. Their main business would be in the jewellery line. This is probably a diversification from their original business. The other investors are also well known: BNP Paribas, UBS, Ping An, Yahoo, Tencent and Alibaba. (which is strange for Tencent since they are also backers of another brokerage firm)

Their mission is to

  • provide leading smart investment services to global investors, and to maximize investors’ value through monetary, knowledge and positive emotions. (as per on their website)

Fees

I shall not talk alot about fees. There are many different types of structures and market that you can find if you trade.

Promotions & Rewards

Okay, enough of all the blabbering. Once it is on the public domain, the key questions is what are the perks available now? I think that they are still new entrants to this and not many people know about them so the initial perk have been relatively decent.

  • Once you sign up, the first freebie is a SGD 15 cash voucher will be deposited in the Rewards Center upon account opening (Standard account). To redeem this cash voucher, complete at least three stocks BUY or SELL trades above S$100 within 90 days
  • The next promotion is either three shares of BITO, which is the ticker for ProShares Bitcoin Strategy ETF.  If cryptocurrency gains traction with the rest of the community and becomes even more mainstream. This ETF would then have the potential for significant capital returns. (NOTE: For this welcome reward voucher, is unlocked by making a first deposit in a SINGLE transfer amounting to at least S$2,000 or its equivalent value.  If user picks the BITO share voucher, you will need to maintain SGD2,000 AUM for 30 consecutive days in order to redeem the 3 BITO shares. You can choose the Investment Master Course which is ranked by uSMART as the higher value.
  • Last point to note: You will need to head to Rewards Center to redeem these rewards or they will expire and you will get nothing from it.

The return on the SGD 2k investment will be around 5%, almost risk free. Take note of the daily average which has to be SGD 2000 and above for the next 30 days. (If you are using them to trade often)

My referral link

If you are interested to sign up, please do use my referral code uu8b or click on this link here: https://m.usmartsg.com/promo/overseas/regular-activity.html?ICode=uu8b&langType=3#/

Thank you in advance for funding the activity of this blog and deals. It is just a little affiliate marketing/referral fees that I take. This pays for all the marketing activity, IT related fees and any other miscellaneous payments. Thanks again for keeping the lights running here.

Disclaimer

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

The pictures were taken from the uSMART SG website for this article.

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AutoWealth Performance – Year in Review 2021

On January 14, 2022September 17, 2022 By RistrettzIn Performance, Personal Finance Series, Robo AdvisorsLeave a comment

Here it is, my AutoWealth’s performance year in review for 2021. I always like to think of AW as ETF related portfolios which brings some form of diversity in my own investment portfolio. AutoWealth (AW) seems rather quiet and low profile as compared to the other two robo advisors but nonetheless what is important is they achieve my goals.

Why Autowealth?

I’m just to just reminding myself why was I a friend of AutoWealth every month. Trying out a Robo advisor that uses ETF instead of funds and diversifying my investment assets through different companies. The reason is to measure performance as well as the experience.

Instead of using investment Funds, AW uses ETFs to build a portfolio instead of funds. This is similar to StashAway. To me both ETFs and Funds work as long as fees stay low. Of course trusting the company is another factor.

I was kind of expecting a rough market in 2021 but it has proven otherwise with the exception of Sep and Oct. I have read countless reports that the China Evergrande and Fantasia debt issue will come into play in the US soon. To be honest, I am a little concerned but investing is all about avoiding the noise. So far the markets have been stable and more sustainable in the first half and picked up in the second half of 2021 and I say it is a topsy turvy last Quarter for 2021.

Every market goes through their cycle of peaks and troughs. Every time market drops off, you just have to be consistent (Taking away your emotions) and just pick some more investments.  As for the rest, let the robots do the work on keeping allocations and balancing. As long as fees remains low, the portfolio will grow faster over time and over a longer period.

So far, my long term goals remains the same – A steady pace.

Performance – 2021

My investment horizon would be estimated to be 15-20 years for this portfolio. This is a portfolio which is set at  40% equities and 60% bonds. (No Change)

The allocation will be diversified globally.  What i really like on the interface is that i can switch between the SGD and USD currency performance portfolio as well as the impact on USD SGD forex on performance. The comparison has to stay consistent, otherwise it isn’t a fair comparison.

 

Overall, since funding to date (in SGD currency) performance is +14.69% in Simple Returns and I am okay with this. The impact of USD on SGD is about -1.87% and by referencing the portfolio in USD, simple returns would be at +16.32%. 2021 isn’t too great a year I guess for investments.

 

Comparing 2021 performance

Looking into the details if I were to look at the portfolio value at S$5327 (end Dec 2020) versus today at S$5801 (end Dec 2021). Some simple and manual YTD calculations below:

2021 Performance[(S$5801-S$5327)/S$5327] x 100% = +8.89% (2021 Performance)

Note that the December 2020 numbers is not what i used for calculation but I have been using this $5327 for Dec year 2020 end portfolio total so this is the consistency in calculating. Coming Dec 2021, it will be $5801 a reference.

I do have an issue now though. Originally, I wish to add and deploy more funds but I can’t seem to enter at this opportunity. I guess it is a good problem but I don’t wish to hold on too much cash due to the current low interest environment for short term cash.

Over here, I just put out a performance breakdown summary that was available in the website.

Performing assets include US Equities, Europe Equities, Asia Pacific Equities, EM Equities and Dividends collected.

Non-performing assets are on the minority side with US Government bonds and International Government bonds. The loss is not great but it is part of the reason why I left it to them to do the balancing act after determining the asset allocation.

Disclaimer

This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check they out and do your diligence. There is no one size fits all investment strategy.

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

The pictures were taken from Auto Wealth website for this article. If you need a referral code, drop me a message and you can indicate my full name during registration. From there, both of us will  get $20 each to supplement the fees.

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AutoWealth Performance – Oct 2021

On November 5, 2021September 17, 2022 By RistrettzIn Performance, Personal Finance Series, Robo AdvisorsLeave a comment

Portfolios are taking a hit over the last month and still going through the same in October. I am still trying to find time, balance to write about stuff, blog and find out more about personal finance interesting topics.

Though there isn’t anything exciting here this month, this helps me to keep track of my investments on a regular basis. AutoWealth’s concept and the unique selling point as compared to other robo advisors are different. I like to think of it as these are ETF related portfolios. AutoWealth (AW) is rather low profile. I also received a notification that their app version is ready. Perfect timing actually. Here to the portfolio performance.

Why Autowealth?

I’m just to just reminding myself why was I a friend of Autowealth every month. Trying out a Robo advisor that uses ETF instead of funds and diversifying my investment assets through different companies. The reason is to measure performance as well as the experience.

Instead of using investment Funds, AW uses ETFs to build a portfolio instead of funds. This is similar to StashAway. To me both ETFs and Funds work as long as fees stay low. Of course trusting the company is another factor.

I was kind of expecting a rough market in 2021 but it has proven otherwise with the exception of Sep and Oct. I have read countless reports that the China Evergrande and Fantasia debt issue will come into play in the US soon. To be honest, I am a little concerned but investing is all about avoiding the noise. So far the markets have been stable and more sustainable in the first half and picked up in the second half of 2021 and I say it is a topsy turvy last Quarter for 2021.

Every market goes through their cycle of peaks and troughs. Every time market drops off, you just have to be consistent (Taking away your emotions) and just pick some more investments.  As for the rest, let the robots do the work on keeping allocations and balancing. As long as fees remains low, the portfolio will grow faster over time and over a longer period.

So far, my long term goals remains the same – A steady pace.

Performance – Sep 2021

My investment horizon would be estimated to be 15-20 years for this portfolio. This is a portfolio which is set at  40% equities and 60% bonds. (No Change)

The allocation will be diversified globally.  What i really like on the interface is that i can switch between the SGD and USD currency performance portfolio as well as the impact on USD SGD forex on performance. The comparison has to stay consistent, otherwise it isn’t a fair comparison.

 

Overall, since funding to date (in SGD currency) performance is +13.22% in Simple Returns and I am okay with this. (compared to Aug 2021, month-on-month it is down about -2.60%) The impact of USD on SGD is about -1.09% and by referencing the portfolio in USD, simple returns would be at +14.09%. This decreased by -4.1% compared with Aug 2021. Tough ride ahead i guess.

 

Comparing YTD 2021 performance

Looking into the details if I were to look at the portfolio value at S$5334 (end Dec 2020) versus today at S$5661. Some simple and manual YTD calculations below:

YTD Performance[(S$5661-S$5334)/S$5334] x 100% = +6.13% (YTD 1 Oct 2021 and -3.30% as compared to Aug 2021).

Note that the December 2020 numbers is not what i used for calculation but I have been using this $5334 for Dec year end portfolio total so this is the consistency in calculating.

I do have an issue now though. Originally, I wish to add and deploy more funds but I can’t seem to enter at this opportunity. I guess it is a good problem but I don’t wish to hold on too much cash due to the current low interest environment for short term cash.

 

Over here, I just put out a performance breakdown summary that was available in the website.

Performing assets include US Equities, Europe Equities, Asia Pacific Equities, EM Equities and Dividends collected.

Non-performing assets are on the minority side with US Government bonds and International Government bonds. The loss is not great but it is part of the reason why I left it to them to do the balancing act after determining the asset allocation.

Disclaimer

This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check they out and do your diligence. There is no one size fits all investment strategy.

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

The pictures were taken from Auto Wealth website for this article. If you need a referral code, drop me a message and you can indicate my full name during registration. From there, both of us will  get $20 each to supplement the fees.

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AutoWealth Performance – Sep 2021

On October 6, 2021September 17, 2022 By RistrettzIn Performance, Personal Finance Series, Robo AdvisorsLeave a comment

Portfolios are taking a hit over the last month and still going through the same in October. I am still trying to find time, balance to write about stuff, blog and find out more about personal finance interesting topics.

Though there isn’t anything exciting here this month, this helps me to keep track of my investments on a regular basis. AutoWealth’s concept and the unique selling point as compared to other robo advisors are different. I like to think of it as these are ETF related portfolios. AutoWealth (AW) is rather low profile. I also received a notification that their app version is ready. Perfect timing actually. Here to the portfolio performance.

Why Autowealth?

I’m just to just reminding myself why was I a friend of Autowealth every month. Trying out a Robo advisor that uses ETF instead of funds and diversifying my investment assets through different companies. The reason is to measure performance as well as the experience.

Instead of using investment Funds, AW uses ETFs to build a portfolio instead of funds. This is similar to StashAway. To me both ETFs and Funds work as long as fees stay low. Of course trusting the company is another factor.

I was kind of expecting a rough market in 2021 but it has proven otherwise with the exception of Sep and Oct. I have read countless reports that the China Evergrande and Fantasia debt issue will come into play in the US soon. To be honest, I am a little concerned but investing is all about avoiding the noise. So far the markets have been stable and more sustainable in the first half and picked up in the second half of 2021 and I say it is a topsy turvy last Quarter for 2021.

Every market goes through their cycle of peaks and troughs. Every time market drops off, you just have to be consistent (Taking away your emotions) and just pick some more investments.  As for the rest, let the robots do the work on keeping allocations and balancing. As long as fees remains low, the portfolio will grow faster over time and over a longer period.

So far, my long term goals remains the same – A steady pace.

Performance – Sep 2021

My investment horizon would be estimated to be 15-20 years for this portfolio. This is a portfolio which is set at  40% equities and 60% bonds. (No Change)

The allocation will be diversified globally.  What i really like on the interface is that i can switch between the SGD and USD currency performance portfolio as well as the impact on USD SGD forex on performance. The comparison has to stay consistent, otherwise it isn’t a fair comparison.

 

Overall, since funding to date (in SGD currency) performance is +13.22% in Simple Returns and I am okay with this. (compared to Aug 2021, month-on-month it is down about -2.60%) The impact of USD on SGD is about -1.09% and by referencing the portfolio in USD, simple returns would be at +14.09%. This decreased by -4.1% compared with Aug 2021. Tough ride ahead i guess.

 

Comparing YTD 2021 performance

Looking into the details if I were to look at the portfolio value at S$5334 (end Dec 2020) versus today at S$5661. Some simple and manual YTD calculations below:

YTD Performance[(S$5661-S$5334)/S$5334] x 100% = +6.13% (YTD 1 Oct 2021 and -3.30% as compared to Aug 2021).

Note that the December 2020 numbers is not what i used for calculation but I have been using this $5334 for Dec year end portfolio total so this is the consistency in calculating.

I do have an issue now though. Originally, I wish to add and deploy more funds but I can’t seem to enter at this opportunity. I guess it is a good problem but I don’t wish to hold on too much cash due to the current low interest environment for short term cash.

 

Over here, I just put out a performance breakdown summary that was available in the website.

Performing assets include US Equities, Europe Equities, Asia Pacific Equities, EM Equities and Dividends collected.

Non-performing assets are on the minority side with US Government bonds and International Government bonds. The loss is not great but it is part of the reason why I left it to them to do the balancing act after determining the asset allocation.

Disclaimer

This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check they out and do your diligence. There is no one size fits all investment strategy.

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

The pictures were taken from Auto Wealth website for this article. If you need a referral code, drop me a message and you can indicate my full name during registration. From there, both of us will  get $20 each to supplement the fees.

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AutoWealth Performance – Aug 2021

On September 5, 2021September 17, 2022 By RistrettzIn Performance, Personal Finance Series, Robo AdvisorsLeave a comment

I am still trying to find time, balance to write about stuff, blog and find out more about personal finance interesting topics. Though there isn’t anything exciting here this month, this helps me to keep track of my investments on a regular basis. AutoWealth’s concept and the unique selling point as compared to other robo advisors are different. I like to think of it as these are ETF related portfolios. AutoWealth (AW) is rather low profile. Here to the portfolio performance.

Why Autowealth?

I’m just to just reminding myself why was I a friend of Autowealth every month. Trying out a Robo advisor that uses ETF instead of funds and diversifying my investment assets through different companies. The reason is to measure performance as well as the experience.

Instead of using investment Funds, AW uses ETFs to build a portfolio instead of funds. This is similar to StashAway. To me both ETFs and Funds work as long as fees stay low. Of course trusting the company is another factor.

I was kind of expecting a rough market in 2021 but it has proven otherwise once more this month. So far it has been stable and more sustainable in the first half and picked up in the second half of 2021

Every market goes through their cycle of peaks and troughs. Every time market drops off, you just have to be consistent (Taking away your emotions) and just pick some more investments.  As for the rest, let the robots do the work on keeping allocations and balancing. As long as fees remains low, the portfolio will grow faster over time and over a longer period.

So far, my long term goals remains the same – A steady pace.

Performance – Aug 2021

My investment horizon would be estimated to be 15-20 years for this portfolio. This is a portfolio which is set at  40% equities and 60% bonds. (No Change)

The allocation will be diversified globally.  What i really like on the interface is that i can switch between the SGD and USD currency performance portfolio as well as the impact on USD SGD forex on performance. The comparison has to stay consistent, otherwise it isn’t a fair comparison.

Overall, since funding to date (in SGD currency) performance is +15.94% and I like this. (compared to July 2021, month-on-month it is up about +0.30%) The impact of USD on SGD is about -2.41% and by referencing the portfolio in USD, absolute return would be at +18.35%. This increase by +1.20% compared with July 2021. August seems to be a pretty decent month as well.

 

Comparing YTD 2021 performance

Looking into the details if I were to look at the portfolio value at S$5334 (end Dec 2020) versus today at S$5819. Some simple and manual YTD calculations below:

YTD Performance[(S$5819-S$5334)/S$5334] x 100% = +9.09% (YTD 2 Sep 2021 and +0.70% as compared to 31 July 2021).

Note that the December 2020 numbers is not what i used for calculation but I have been using this $5334 for Dec year end portfolio total so this is the consistency in calculating.

I do have an issue now though. Originally, I wish to add and deploy more funds but I can’t seem to enter at this opportunity. I guess it is a good problem but I don’t wish to hold on too much cash due to the current low interest environment for short term cash.

Over here, I just put out a performance breakdown summary that was available in the website.

Performing assets include US Equities, Europe Equities, Asia Pacific Equities, EM Equities and Dividends collected.

Non-performing assets are on the minority side with US Government bonds and International Government bonds dipping. The loss is not great but it is part of the reason why I left it to them to do the balancing act after determining the asset allocation.

Disclaimer

This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check they out and do your diligence. There is no one size fits all investment strategy.

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

The pictures were taken from Auto Wealth website for this article. If you need a referral code, drop me a message and you can indicate my full name during registration. From there, both of us will  get $20 each to supplement the fees.

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AutoWealth Performance – July 2021

On August 7, 2021September 17, 2022 By RistrettzIn Performance, Personal Finance Series, Robo AdvisorsLeave a comment

I am still trying to find time, balance to write about stuff, blog and find out more about personal finance interesting topics. Though there isn’t anything exciting here this month, this helps me to keep track of my investments on a regular basis. AutoWealth’s concept and the unique selling point as compared to other robo advisors are different. I like to think of it as these are ETF related portfolios. AutoWealth (AW) is rather low profile. Here to the portfolio performance.

Why Autowealth?

I’m just to just reminding myself why was I a friend of Autowealth every month. Trying out a Robo advisor that uses ETF instead of funds and diversifying my investment assets through different companies. The reason is to measure performance as well as the experience.

Instead of using investment Funds, AW uses ETFs to build a portfolio instead of funds. This is similar to StashAway. To me both ETFs and Funds work as long as fees stay low. Of course trusting the company is another factor.

I was kind of expecting a rough market in 2021 but it has proven otherwise. So far it has been stable and more sustainable in the first half.

Every market goes through their cycle of peaks and troughs. Every time market drops off, you just have to be consistent (Taking away your emptions) and just pick some more investments.  As for the rest, let the robots do the work on keeping allocations and balancing. As long as fees remains low, the portfolio will grow faster over time and over a longer period.

So far, my long term goals remains the same – A steady pace.

Performance – July 2021

My investment horizon would be estimated to be 15-20 years for this portfolio. This is a portfolio which is set at  40% equities and 60% bonds. (No Change)

The allocation will be diversified globally.  What i really like on the interface is that i can switch between the SGD and USD currency performance portfolio as well as the impact on USD SGD forex on performance. The comparison has to stay consistent, otherwise it isn’t a fair comparison.

 

Overall, since funding to date (in SGD currency) performance is +15.60% and I like this. (compared to June 2021, month-on-month it is up about +1.20%) The impact of USD on SGD is about -1.87% and by referencing the portfolio in USD, absolute return would be at +17.24%. This increase by almost the same for SGD reference at +1.20% compared with June 2021. July seems to be a pretty decent month.

 

Comparing YTD 2021 performance

Looking into the details if I were to look at the portfolio value at S$5334 (end Dec 2020) versus today at S$5697. Some simple and manual YTD calculations below:

YTD Performance[(S$5780-S$5334)/S$5334] x 100% = +8.36% (YTD 5 Aug 2021 and +1.50% as compared to 30 June 2021).

Note that the December 2020 numbers is not what i used for calculation but I have been using this $5334 for Dec year end portfolio total so this is the consistency in calculating.

I do have an issue now though. Originally, I wish to add and deploy more funds but I can’t seem to enter at this opportunity. I guess it is a good problem but I don’t wish to hold on too much cash due to the current low interest environment for short term cash.

 

Over here, I just put out a performance breakdown summary that was available in the website.

Performing assets include US Equities, Europe Equities, Asia Pacific Equities, EM Equities and Dividends collected.

Non-performing assets are on the minority side with US Government bonds and International Government bonds dipping. The loss is not great but it is part of the reason why I left it to them to do the balancing act after determining the asset allocation.

 

Disclaimer

This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check they out and do your diligence. There is no one size fits all investment strategy.

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

The pictures were taken from Auto Wealth website for this article. If you need a referral code, drop me a message and you can indicate my full name during registration. From there, both of us will  get $20 each to supplement the fees.

Share this article:

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  • Click to share on Facebook (Opens in new window)
  • Click to share on WhatsApp (Opens in new window)
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AutoWealth Performance – June 2021

On July 7, 2021September 17, 2022 By RistrettzIn Performance, Personal Finance Series, Robo AdvisorsLeave a comment

The regular monthly performance updates seem to be my highlight every month now. Though there isn’t anything exciting here this month, this helps me to keep track of my investments on a regular basis. AutoWealth’s concept and the unique selling point as compared to other robo advisors are different. I like to think of it as these are ETF related portfolios. Some just have more marketing power than others while some just like to lay low. Here to the portfolio performance.

Why Autowealth?

Again, I’m just to just reminding myself why was I a friend of Autowealth. Trying out a Robo advisor that uses ETF instead of funds and diversifying my investment assets through different companies. The outcome will be performance and results.

Instead of the Funds, AW uses ETFs to build a portfolio instead of funds. To me both ETFs and Funds work as long as fees stay low. Of course trusting the company is another factor.

I was kind of expecting a rough market in 2021 but it has proven otherwise. So far it has been stable and more sustainable.

Ever market goes through their cycle of peaks and troughs. Every time market drops off, you just have to be consistent (Taking away your emptions) and just pick some more investments.  As for the rest, let the robots do the work on keeping allocations and balancing. As long as fees remains low, the portfolio will grow faster over time and over a longer period.

So far, my long term goals remains the same. Quiet and stagnant but on a steady rise.

Performance – June 2021

My investment horizon would be estimated to be 15-20 years for this portfolio. This is a portfolio which is set at  40% equities and 60% bonds. (No Change) The allocation will be diversified globally.  What i really like on the interface is that i can switch between the SGD and USD currency performance portfolio as well as the impact on USD SGD forex on performance. The comparison has to stay consistent, otherwise it isn’t a fair comparison.

Overall, since funding to date (in SGD currency) performance is +13.93% and I like this. (compared to May 2021, month-on-month it is up about +1.20%) The impact of USD on SGD is about -2.25% and by referencing the portfolio in USD, absolute return would be at +15.96%. This dropped about -0.3% compared with May 2021. Pretty Stable for now.

 

Comparing YTD 2021 performance

Looking into the details if I were to look at the portfolio value at S$5334 (end Dec 2020) versus today at S$5697. Some simple and manual YTD calculations below

YTD Performance[(S$5697-S$5334)/S$5334] x 100% = +6.81% (YTD 30 Jun 2021 and +1.51% as compared to 11 May 2021)

Note that the December 2020 numbers is not what i used for calculation but I have been using this $5334 for Dec year end portfolio total so this is the consistency in calculating.

I do have an issue now though. Originally, I wish to add and deploy more funds but I can’t seem to enter at this opportunity. I guess it is a good problem but I don’t wish to hold on too much cash due to the current low interest environment for short term cash.

Over here, I just put out a performance breakdown summary that was available in the website.

Performing assets include US Equities, Europe Equities, Asia Pacific Equities, EM Equities and Dividends collected.

Non-performing assets are on the minority side with US Government bonds and International Government bonds dipping. The loss is not great but it is part of the reason why I left it to them to do the balancing act after determining the asset allocation.

Disclaimer

This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check they out and do your diligence. There is no one size fits all investment strategy.

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

The pictures were taken from Auto Wealth website for this article. If you need a referral code, drop me a message and you can indicate my full name during registration. From there, both of us will  get $20 each to supplement the fees.

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AutoWealth Performance – May 2021

On June 9, 2021September 17, 2022 By RistrettzIn Performance, Personal Finance Series, Robo AdvisorsLeave a comment

Now for Autowealth for the month of May 2021. Nothing exciting here this month. Just a review monthly to keep track of my investments. AutoWealth’s concept and the unique selling point as compared to other robo advisors are different. Some just have more marketing power than others while some just like to lay low. Here to the portfolio performance.

Why choose Autowealth?

Every month, I’ll just to just remind myself why was I a friend of Autowealth. My two reasons for doing so is really just (a) try out one more robo advisor/segregate a portfolio to find out how they invest and what their model is and (b) Diversify my investment assets through different companies and see what works for them.

I remembered one more thing when I signed up on their platform. They use ETFs to build a portfolio instead of funds. To me both ETFs and Funds work as long as fees stay low. Of course trusting the company is another factor.

In good times, everything is rosy. What I want to see is the bad times in the market – That’s how you can see the character of a person. That translate to how the company treat their customers.

As usual, every market goes through peaks and troughs. Every time it drops, just pick some up and let the robots do the work on balancing and re-balancing. As long as fees remains low, the portfolio will grow over time and over a longer period. It should remain in the black based on some back testing. Some time end of May, I received another notice on allocation so it looks like somewhere there was an over allocation.

So far, my long term goals remains the same. Quiet and stagnant but on a positive sign.

Performance – May 2021

My investment horizon would be estimated to be 15-20 years for this portfolio. This is a portfolio which is set at  40% equities and 60% bonds. The investment vehicles will be through ETFs.  What i really like is that i can switch between the SGD and USD currency performance portfolio as well as the impact on USD SGD forex on performance. This is suitable for a simple investor like myself.

 

 

Overall, since funding to date (in SGD currency) performance is +12.33% and I like this. (compared to Apr 2021, month-on-month it is up +2.48%) The impact of USD on SGD is about -4.16% and by referencing the portfolio in USD, absolute return would be at +16.27%. Sweet for the month.

 

Looking into the details if I were to look at the portfolio value at S$5334 (end Dec 2020) versus today at S$5616. Some simple and manual YTD calculations below

YTD Performance[(S$5616-S$5334)/S$5334] x 100% = +5.29% (YTD 9 Jun 2021 and +1.09% as compared to 11 May 2021)

Note that the December 2020 numbers is not what i used for calculation but I have been using this $5334 for Dec year end portfolio total so this is the consistency in calculating.

 

Adding the USD version of the YTD for reference. It would be the same impact as the exchange rate.

Disclaimer

This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check they out and do your diligence. There is no one size fits all investment strategy.

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

The pictures were taken from Auto Wealth website for this article. If you need a referral code, drop me a message and you can indicate my full name during registration. From there, both of us will  get $20 each to supplement the fees.

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AutoWealth Performance – April 2021

On May 12, 2021September 17, 2022 By RistrettzIn Performance, Personal Finance Series, Robo AdvisorsLeave a comment

Now for Autowealth! Different robo advisor really does things differently. They concept, the drive and the unique selling point are all different. Some just have more marketing power than others while some just like to lay low. Here to the portfolio performance in April 2021

Why Autowealth Again?

Every month, I’ll just to just remind myself why was I a friend of Autowealth. My two reasons for doing so is really just (a) try out one more robo advisor/segregate a portfolio to find out how they invest and what their model is and (b) Diversify my investment assets through different companies and see what works for them.

In good times, everything is rosy. What I want to see is the bad times in the market – That’s how you can see the character of a person. That translate to how the company treat their customers.

As Usual, every market goes through peaks and troughs. Every time it drops, just pick some up and let the robots do the work on balancing and re-balancing. As long as fees remains low, the portfolio will grow over time and over a longer period. It should remain in the black based on some back testing.

So far, no change in asset allocation, it is indeed a tough year. Quiet and stagnant.

Performance – Apr 2021

My investment horizon would be estimated to be 15-20 years for this portfolio. This is a portfolio which is set at  40% equities and 60% bonds. The investment vehicles will be through ETFs.  What i really like is that i can switch between the SGD and USD currency performance portfolio as well as the impact on USD SGD forex on performance. I’m still not sure how will USD perform over the long term. I am caught in between – With such a big amount of debt, USD will likely be in a hyper inflation mode. At the same time, US markets will be better for investing.

Overall, since funding to date (in SGD currency) performance is +10.85% and I like this. (compared to Mar 2021, it is up +0.19%) The impact of USD on SGD is about -3.90% and by referencing the portfolio in USD, absolute return would be at +14.54%.

 

Looking into the details if I were to look at the portfolio value at S$5334 (end Dec 2020) versus today at S$5558. Some simple and manual YTD calculations below

YTD Performance[(S$5558-S$5334)/S$5334] x 100% = +4.20% (YTD 11 May 2021 and +0.80% as compared to 11 May 2021)

Adding the USD version of the YTD for reference. It would be the same impact as the exchange rate.

Disclaimer

This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check they out and do your diligence. There is no one size fits all investment strategy.

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

The pictures were taken from Auto Wealth website for this article. If you need a referral code, drop me a message and you can indicate my full name during registration. From there, both of us will  get $20 each to supplement the fees.

Share this article:

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