It’s been more than a year since “Vanilla Money” started and it’s a timely occasion to take a look at its returns now that it has crossed its 1st year of existence. What is Vanilla Money? Vanilla Money isn’t really a product, but it was an experiment I embarked on after I decided to stop using Chocolate Finance last year. I was very fond of Chocolate Finance as a product back in 2024, even giving it my pick for Best Investment App that year. Things changed in early 2025, so I had to find a replacement for my funds that I had placed in Chocolate Finance. As an asset management firm licensed in Singapore, Chocolate Finance has to be transparent with their holdings, so I essentially invested a small amount of money – just S$1,000 – in the same funds in similar allocations since 10th April 2025 to test what would happen. This is the current portfolio:...