I have been later for one quarter in 2021 in terms of updating. Nothing much has changes for the StashAway portfolio. Similar to Endowus, it is on auto-run and monthly additions are placed into different portfolios. I am still on the risk index of below 20%, split all the risk portion for 3 different portfolio. I still maintain that having calculated risk per $ makes more sense in my opinion. It doesn’t mean high risk high rewards although it can give you high rewards.
As I have always preached, the important thing is that I am not left on the sidelines. If Mr Market decides to go either way, it would matter that much to me in my opinion. If Mr Market drops, then I will add on more to the portfolios. That is what I believe will work for me for my traditional and rather stable investments.
Retirement Portfolio A (risk-14%)
The SRS account since deposit is currently at +2.11% as on 8 Apr 2021 (Time-weighted return). I think this is quite okay as I entered the market at a high before it dropped in March 2020. Performance wise, I think it is decent and also this is a super long term portfolio – I would say close to 25 years horizon so I’ll just leave it there to monitor on the progress. It was at around +3% in Dec 2020 but oh well. Let it be i guess.
In USD performance, that’s about 5% (Time-weighted return). That’s expected.
Education Portfolio B (risk-16%)
This portfolio is set out to be on a 15-18 year investment horizon. It is at 7.63% on 8 Apr 2021 and I think that this is pretty good. It’s the same as the last time i measured during Dec 2020. I have been averaging in whenever there are market dips. The risk index is at 16% and I will adjust those risk levels as and when I feel that there is a risk on or off.
In USD, I’m looking at double digits 11.75% (Time-weighted returns)
Education Portfolio C (risk-20%)
For this portfolio, I look at this at shorter horizon of 12-15 years so I feel that I need to take on some risk to achieve my goals. This SA risk index is currently at 20% and will take on to be one of my riskiest portfolio. Return is at 14.42% (Time-weighted return) at inception as at 8 Apr 2021 Not much of it has changed or rather it has dropped slightly but this is just a note to self and measure the monthly performance. Over time, more funds will be added to achieve the targeted invested goals.
In USD terms, we are looking at 18.81% (Time-weighted return). Looking great I feel.
So far StashAway has been a great supplement as a robo advisor. I will try to do more regular updates as a reminder to self. After using a few robo-advisors, I find that SA will play second fiddle to my Endowus Portfolio. The year of 2021 should be a test of time for most portfolios. I still believe that rebalancing regularly will be the key.
StashAway does have their own advantages. They do hedge their portfolios against huge crashes and take a stand on some positions which I do like because a lot asset managers don’t and even though they talk big about macro. I can’t see those actions being translated into customer’s returns.
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The pictures were taken from the Stash Away website for this article.