How to compare returns of investments like DCA into ETFs, lump sum, endowment plans etc.? - Seedly
Seedly logo
Seedly logo
 

Investments

Robo-Advisors

Savings

Anonymous

Asked 3w ago

How to compare returns of investments like DCA into ETFs, lump sum, endowment plans etc.?

I’m currently DCA monthly into Nikko STI and Stashaway, how do I read and compare the returns? Stashaway shows time-weighted & money-weighted return — how to compare this with FSM’s P/L% or other instruments? What about par endowment/savings plan (no insurance) like PruWealth, which figure do I use to compare?

How to take into account inflation and other fees?

How to compare monthly DCA vs lump sum returns?

Annualised return vs XIRR vs IRR?

Is there some excel sheet or calculator?

0 comments

1 answer

Answer Now

Answers (1)

Sort By

Fel M

Fel M

Level 4. Prodigy

Answered 3w ago

Since ETFs and DCA can't be predicted, you can only reference past returns as data point (past performance does not guarantee future ones). endowment should be a little easier to calculate, just check your policy document and calculate the CAGR if you hold it to the end (and I guess can also check penalties for early termination).

1

Question Poster

3w ago

And if the endowment plan has monthly/yearly premiums? How do I calculate the compound interest? XIRR or something?
Thank You!
Can you clarify
I wonder if
This is so helpful 👍
What about
Post