Asked 3w ago
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?
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).