Not too long ago, I recommended some of my ex-colleagues to put some of the money they wish to save up in MoneyOwl’s investment portfolio. Majority of their money are in the more conservative portfolios and they held well through that volatile COVID period. I had a conversation in May 2020 with one of them regarding the performance of the portfolio. During our conversation, it occurred to me that I could not comment on whether the portfolio was doing well or not, versus other comparables. I could only comment based on what I know of MoneyOwl portfolio components because Providend used some of the same underlying funds in our own portfolio (and I was the E-Monkey that did tally all these data). I also grow a bit tired of people asking “what do you think of X portfolio, what do you think of Y portfolio.” So I decided to take...