Just finished my first year into investing, investing about 90k into various passive forms of investing, mainly robos (time-weighted average 60k). I’ve generated about 6.5k of returns, is that decent? - Seedly
 

Investments

Robo-Advisors

P2P Lending

OCBC RoboInvest

StashAway

AutoWealth

Funding Societies

SeedIn

ETF

MoneyOwl

Syfe

Asked by Anonymous

Asked on 31 Dec 2019

Just finished my first year into investing, investing about 90k into various passive forms of investing, mainly robos (time-weighted average 60k). I’ve generated about 6.5k of returns, is that decent?

Components I’ve invested, in order of decreasing amounts, invested:

  • OCBC RoboInvest

  • StashAway

  • AutoWealth

  • Funding Societies

  • SeedIn

  • Unit trusts

  • Gold ETF (my only chosen stock)

  • MoneyOwl

  • Syfe

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Heah Min An
Heah Min An
Level 5. Genius
Answered on 01 Jan 2020

Do you feel happy, confident of your investment selections, able to sleep soundly at night?

If you’re, then continue doing it. It’s decent.

Investment results are good.

Investment results achieved by amount of corresponding amount of risk taken needs to be the conversation in this community.

The community can’t quantify risk as easily as investment returns thus it naturally leads to an over fixation on purely returns.

Risk comes from not knowing what I’m investing.

Thank you for taking your time to read.

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John Smiths
John Smiths, Tax at Local bank in Singapore
Level 5. Genius
Answered on 13 Jan 2020

You need to look at your percentage rate of return and compare it to the local Singapore market rate of return, US market rate of return and global market rate of return. That would indicate how well you are performing.

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E
Emily
Level 3. Wonderkid
Answered on 13 Jan 2020

I guess this is not really an answer to your question, but as someone who is interested in some of these platforms, which platforms do you prefer out of all, and which has better returns so far?

So far I’ve only been using Stashaway, FundSoc and SeedIn.

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Instead of looking at aggregate return, you may wish to have the respective breakdown on how well your investment is doing from each channel. Through this process, it allows us to have a better evaluation on which channel is worth the dollar and which channel is to have a cut.

That being said, if we were to look at it from a portfolio point of view, the yield will be 7.22% (assuming lump sum investment). Accordingly, the question for yourself will be, what was your investment objective and expected investment return? Were you overexposed to unnecessary risk in order to generate this return?

From there, revisit your thought process and decide how you will want to manage your portfolio for 2020. In any case, if we were to use a benchmark, STI growth was 9.38% while Dow Jones Industrial Average was 25.34% in the past year. Now, was this part of your expectation?

Here is everything about me and what I do best.

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Wilson Nid A Break
Wilson Nid A Break
Level 8. Wizard
Updated on 13 Jan 2020

No idea whats the risk that you have taken, it will be irresponsible for anyone to comment if its decent or great

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