SRS Portfolio

[JetStorm]

Switching my 30% risk stashaway SRS portfolio into endowus. It under perform market by 5% due to gold/bonds and china tech.. endowus has lower fees and perform better..

Will be using fundsmart 100% allocation to Dimensional World Equity Fund for developed/emerging market. My cpf portfolio with endowus also perform well.

Isit due to timing? my SA also 30% and its twr is 24.94% but that one i dca using cash.

 

[WoShiPro]

Isit due to timing? my SA also 30% and its twr is 24.94% but that one i dca using cash.

Mine time weighted is 26%. However when I compared the returns against SPY and VT the returns under perform 5% over the same period..

 

[zumaba]

Switching my 30% risk stashaway SRS portfolio into endowus. It under perform market by 5% due to gold/bonds and china tech.. endowus has lower fees and perform better..

Will be using fundsmart 100% allocation to Dimensional World Equity Fund for developed/emerging market. My cpf portfolio with endowus also perform well.

No wonder Stashaway is the worst among all my robo portfolios

It seems also tricky that Stashaway always holds some "Dividend entitlement" under "In Progress" ( you can see under "Transaction"). Likely you would lose some money once doing redemption for switching.

Hoping everyone would be alerted by this.

My Dimensional Fund with MoneyOwl (first $10K fee free) is also performing very well.

 

[skpuppy]

No wonder Stashaway is the worst among all my robo portfolios

It seems also tricky that Stashaway always holds some "Dividend entitlement" under "In Progress" ( you can see under "Transaction"). Likely you would lose some money once doing redemption for switching.

Hoping everyone would be alerted by this.

My Dimensional Fund with MoneyOwl (first $10K fee free) is also performing very well.

Can money owl use SRS to invest in dimensional fund? Any min investment amount?

 

[skpuppy]

Switching my 30% risk stashaway SRS portfolio into endowus. It under perform market by 5% due to gold/bonds and china tech.. endowus has lower fees and perform better..

Will be using fundsmart 100% allocation to Dimensional World Equity Fund for developed/emerging market. My cpf portfolio with endowus also perform well.

What is the difference between dimension world equity fund and global core equity fund? Do we have to do lump sum $10,000 per investment?

 

[zumaba]

Can money owl use SRS to invest in dimensional fund? Any min investment amount?

SRS Can. Min $1k?

 

[skpuppy]

If I compare Infinity Global Fund to Dimension Global Equity fund (based on 1 year and 3 years). Unfair to compare since inception as Infinity has been around longer.

Infinity Global Equity Fund
Dimension Global Equity Fund

Dimensions totally trash Infinity. It is expected as local sure lose to amdk. If I were to add in sales charge of OCBC, then it is no brainer to whack Dimension fund. Any thoughts from the rest?

 

[blasterlord2]

If I compare Infinity Global Fund to Dimension Global Equity fund (based on 1 year and 3 years). Unfair to compare since inception as Infinity has been around longer.

Infinity Global Equity Fund
Dimension Global Equity Fund

Dimensions totally trash Infinity. It is expected as local sure lose to amdk. If I were to add in sales charge of OCBC, then it is no brainer to whack Dimension fund. Any thoughts from the rest?

What's the return like for Dimension global? Isn't Dimension world better as it invests into emerging markets? And why not into mutual funds?

 

[skpuppy]

What's the return like for Dimension global? Isn't Dimension world better as it invests into emerging markets? And why not into mutual funds?

I would say quite comparable performance. Mutual funds too ex. You only make your fund managers rich.

 

[blasterlord2]

I would say quite comparable performance. Mutual funds too ex. You only make your fund managers rich.

Funds are expensive but if they can give you the returns then it's ok.

 

[skpuppy]

Funds are expensive but if they can give you the returns then it's ok.

I would say "ok". If you compare with 0.5% interest if you leave it in SRS doing nothing. To me, 6% returns based on funds not attractive. For 1.5-2% management, I think reasonable return is >10% annually. Let's use some example

Infinite global: 29.5% (1 year), 11.5% (3 years), 11.8% (5 years) - All after initial sales charge (not sure what is the %)
Dimension global core: 53.7% (1 year), 12.42% (3 years)
Dimension world equity: 56.6% (1 year), 10.1 (3 years)
Not sure why benchmark for all 3 funds are different? Although all benchmarking to MSCI World index.
Infinity benchmark is: 36.3% (1 year), 14.3% (3 years) whereas Dimension benchmark is: 45% (1 year), 13.3% (3 years).

Not sure why the difference in terms of benchmark. LOL!

Actually both of in terms of performance but dimensions seems to be more superior. Anyone can share their views?

 

[Kojo0403]

Hummm......1.73% exp ratio.....But of course, its actively managed, so higher fees expected.

For me, I would prefer my SRS to be invested in TID, HST, S27...... lower fees, passive funds.

i bought HST and TID using SRS too. as well as CFA/CLR for reit.

curious- which broker did you use for S27? wondering how much fx spread they charge since it’s USD counter

 

[skpuppy]

i bought HST and TID using SRS too. as well as CFA/CLR for reit.

curious- which broker did you use for S27? wondering how much fx spread they charge since it’s USD counter

Why buy S27 in SG? The liquidity sucks.

 

[RedsYWNA]

i bought HST and TID using SRS too. as well as CFA/CLR for reit.

curious- which broker did you use for S27? wondering how much fx spread they charge since it’s USD counter

Not all brokers can manage S27 for SRS. I know FSM cannot. I went with DBS Vickers, so that I can get my S$30k multiplier savings lor. Otherwise, I think Poems is fine too.

For DBS vickers, I agar calculated the FX spread is 0.5%.

 

[RedsYWNA]

Why buy S27 in SG? The liquidity sucks.

Because its the cheapest S&P 500 option available for SRS?

 

[BBCWatcher]

Apparently S27 isn't SRS eligible, or at least FSMOne doesn't think so.

 

[RedsYWNA]

Apparently S27 isn't SRS eligible, or at least FSMOne doesn't think so.

Poems, DBS Vickers, UOB Kay Hian etc can support S27 for SRS. But its hard because you can only buy 20 units at the most, without bursting the S15,300 cap. Needs to invest the excess funds.

 

[tangent314]

Interesting. I was under the impression that USD shares cannot be traded because "Settlement currency for CPF/SRS trades must be in Singapore Dollars". Do you set SGD settlement and the FX gets applied for you automatically?

 

[chrisloh65]

Interesting. I was under the impression that USD shares cannot be traded because "Settlement currency for CPF/SRS trades must be in Singapore Dollars". Do you set SGD settlement and the FX gets applied for you automatically?

Yes, you definitely can buy USD shares for SRS, except the FX gets applied for you automatically.

 

[chrisloh65]

Why buy S27 in SG? The liquidity sucks.

This is same for buying other index ETFs with poor liquidity (like VWRA) isn't it?