Asked by Anonymous

How do I calculate my returns for STI ETF if I'm investing into it each month via a Regular Savings Plan (RSP) & DCA?

Hi I'm currently investing into STI ETF via POSB Invest Saver. Using the DCA method, with a monthly contribution of $150 per month. I would like to know how to calculate my returns on my STI ETF investments, could you advise how? Using Excel to track my investment, I'm currently using: Face Value of Total Shares (S$) - Total Amount Invested Including Fees (S$) to get my Return of Investment (S$). Returns (%) is then ROI (S$) / Total Amt Invested (S$). Can you tell me if / why this is wrong?

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  • Lok Yang Teng
    Lok Yang Teng
    Level 6. Master
    Answered on 14 Nov 2018

    I'm not sure how this "Face Value of Total Shares (S$) - Total Amount Invested Including Fees (S$) to get my Return of Investment (S$)." works cuz 'Face Value of Total Shares' refers to the original price of the stock to my understanding.

    For instance, NIKKO AM STI ETF has fixed gross sales charge of 0.82% which you can multiply by $150 (example) per n number of months (sales charge). Then using Excel, you can track average price bought. Compare it with current price - sales charge and you get an idea whether you have paper gain/loss.

    If you want to take into account of dividends, it'll be more complicated but you can just less from accumulating sales charge.

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