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Old 14-09-2018, 08:40 PM   #5
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Join Date: Jun 2002
Posts: 13,338
The returns are lower because of the management fees.

I suggest you consider accounts like Citibank Maxigain, DBS Multiplier, UOB One, OCBC360, BOC Smartsaver, etc if you have not utilised any of them.
Too many stocks = market returns. You are better off buying the index.
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