Robo War Experiment (RWE) Update – February 2025

This Opinion post first appeared in my blog here: https://pwlcm.wordpress.com/2025/03/04/robo-war-experiment-rwe-update-february-2025/

This is a performance update to my Robo War Experiment (RWE) posted here:
https://pwlcm.wordpress.com/2025/02/04/robo-war-experiment-rwe-update-january-2025/

Disclaimer: This post is just for educational sharing purposes. Please do your own due diligence on any products mentioned in this post.

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Performance Update

Here is the February 2025 Performance Update:

February 2025 was a bearish month for all 5 robo advisor portfolios and 3 benchmark indices. In terms of YTD Returns, only Endowus and MoneyOwl portfolios remained in positive territory, perhaps due to their global diversification focus with the Dimensional funds, whose performance were inline with the 2 world indices.

In terms of XIRR since inception, Endowus suffered slight decline to 7.63%, retained the leader position among the robo advisors, beating the MSCI ACWI index, but lagging MSCI World and S&P indices.

Key Observations

1. All 5 robo advisor portfolios and the 3 benchmark indices were in the red in February 2025.
2. Only Endowus and MoneyOwl portfolios remained in the black in terms of YTD performance.

3. Endowus portfolio continued to lead the robo advisors with XIRR since inception at 7.63%.

Referral Links

Endowus: https://endowus.com/invite?code=J6YV3
Syfe: https://www.syfe.com/invite/wealth/SRPTRJTFQ
StashAway: https://www.stashaway.sg/referrals/choonght43
MoneyOwl: https://moneyowl.com.sg/app/accounts/sign-up?referral_code=5FZY-58AG
SquirrelSave: https://app.squirrelsave.com.sg/Start/Referralcode?referralid=2996