It has become a yearly habit for me to study the patterns of investment from STI ETF fund managers. Last year, all 3 funds didn’t do well, SPDR only suffered 6 months of negative returns, Nikko was negative for a year and iShares fared the worst having negative average annual return for 5 consecutive years. If you looked at the way these fund managers allocate their portfolio, you will notice that SPDR is the most focused among the lot. iShares and Nikko seemed more diversified but is all over the place when adding stocks to their portfolio. Makes me ponder whether focused is more important vs diversification.

Their top 3 sectors remained as Bank & Financial Services, Real Estate Investments and Mobile Telecommunications.

My top 3 sectors remained the same as well but my portfolio is cleaner now as compared to mine in 2014. I have since removed some weeds from the real estate investments, ...