Great news! The Circuit Breaker is almost over. I hope that you will not rush out into the streets straight away. I have also realised that this period did not have as much of an impact as I thought it would on my life. Maybe I am already in a circuit breaker before the virus came in.
Some updates, I have been rejected for a part-time internship, that would mean that there not be a chance to gain working experience during Y4S1. It was a pity as it was a role that I was interested in. Also, the market has increased significantly. I guess that I was wrong and I am now paying the price.
Now, let's talk about my portfolio:
1. Stashaway (Invested $1,002, current value $1,312.71) 18.25% money-weighted return
2. Stashaway Simple (Invested $9,554, current value $9,606.68) 0.55% return
3. Coasset (Invested $1,000, expected return of $1,090 in 2020)
4. Funding Society (Invested $2,183, current value $1,471)
5. Endowment (Invested $6,000, expected return $6,556.4 in 2022)
6. FSMone - Nikkoam STC Asia REIT ETF (Invested $1,548, current value $1,754) 13.25% return
7 Kristal.AI (Invested $3600, current value $3600) 0% return
8. Singlife Endowment (Invested $5,894, current value $5,897) 0.05% return
Total invested: $28,181
Total Value: $28,311
This would bring my returns to 0.48% (if I include the losses from funding society)
This would bring my returns to 3.37% (if funding society's losses were not included)
I am quite happy with my returns actually as it has finally turned positive (and mostly because my stocks are doing really well, by buying during the dip). This stint with P2P funding has convinced me that I should never put so much money into it. In the future, I shall only put in $1,000 inside. hahaha.
Also, I have added Kristal.AI as a platform for my investment. This is as Stashaway has cut down on the US' market exposure and limited US exposure to health and consumer indexes. I still want to invest in the S&P 500, which is the reason why I will be using Kristal to invest. I will also be DCA-ing into it every month.
I also hope that the next crash can come faster (If not my maneuver would reflect poorly on myself). Also, in a bear market, the true bottom is not reached until a while later, like 12-18 months. So I believe that we are not at the bottom.
With that, I hope that you guys will stay safe and keep out of trouble and that you will be fearful when others are greedy, greedy when others are fearful.
Till next time,
Stay vested, stay frugal my friends.
Dionysius
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