This is actually a continuation of my previous post - StashAway - July 2020 + Happy 3 Years! It got slightly too long and I decided to take a portion of it out and write it as a standalone post.
Anyway, to recap, StashAway was showcasing the annualized returns (before fees) for their portfolios in their 3 years birthday/anniversary email which were beating all their benchmark from 19 July 2017 to June 2020. Based on our own portfolio (Risk Index 22%), I agreed that the performance has been very impressive (look at the above screenshot), StashAway has indeed maximize the returns (beating STI and even IWDA but lost to SPY) by managing the risk (lower volatility and max drawndown).
Let's take a look at our self-managed SGX portfolio.
Unfortunately, after 6 years of investment, we are not even beating inflation or CPF OA! Our money would have been better left in the bank (as of the current moment)....
