The above article appeared in Saturday's papers. For DIY investors like me, there is always a "competitiveness" to see if you are performing better than the indices or the professional fund managers. Otherwise, you might as well hand over your money to them or invest in ETF. According to the returns presented in the picture above, the professional fund managers and the STI ETF managers seemed to be doing a pretty good job where they generated a return of at least 11% last year. Benchmark my portfolio? Since my SRS portfolio is primarily invested in locally listed stocks, the STI ETF and unit trust focused on the Singapore market are probably the correct benchmarks if I want to use them. I haven't benchmarked the returns on my SRS portfolio but if I do, the returns is probably lower than the ~11% recorded by the fund managers last year. My ......