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ETF

ETFs vs Unit Trusts / Mutual Funds in Malaysia

By Leigh
Updated November 15, 2020 Filed Under: Investment, Other Investments 4

Dividend Magic

This is an an article for Malaysians who are looking for:

  1. A better alternative to Unit Trusts and Mutual Funds
  2. Exposure to equities
  3. An easy way to invest without having to do too much research
  4. Long term, low fee investing

If you do not have the know-how and/or time to do the research and valuations on individual stocks and equities. Fret not, there are a few options out there for us Malaysians. Some better than others.

The Choices

1. Trade Yourself

First off, I’ll have to have this option here. This is what I do, I invest and trade stocks myself. I pay no annual fees or management fees. I only pay brokerage which comes to about RM8 or 0.1% whichever is higher.

This option is available to everyone. If you have the time to do some research and think logically, anyone can do it. To start investing in stocks, you can head hERE for a guide.

2. ETFs

Exchange-Traded Funds would be my choice and recommendation if you don’t want to trade and invest in stocks on your own. Depending on the ETFs you invest in, you can be exposed to all sorts of asset classes in different sectors and regions. There are tons of ETFs around the world, so take your pick.

Specifically, I’d recommend passive index funds if you’re looking to invest long term. Most noteworthy ones can be found in the US ie. the Vanguard S&P 500 index fund. You can learn how to invest in US stocks hERE.

Unbeknownst to many, we have a few ETFs here in Malaysia. The closest we can get to an S&P 500 fund is the MyETF Dow Jones US, which provides you the exposure to the US equity market. Somewhat similar to the S&P 500 ETF that mainly indicates the performance of the US market, there is FTSE Bursa Malaysia KLCI ETF (FBMKLCI-EA). Where the S&P 500 fund tracks 500 shares, ours tracks only the top 30 largest companies in Malaysia.

3. Unit Trusts and Mutual Funds

Last but not least, mutual funds & unit trusts. I don’t like unit trusts because of one huge factor – FEES.

If you take the time to dig in and do some research, you’ll find that most of them don’t even beat the market/index’s returns over the long term. So why pay more fees?

Malaysians are still stuck in the unit trust era with the older generation and I think younger more financially literate investors are starting to realize that there are other options out there.

I’ll have some facts and figures below to demonstrate.

The Actual and Long-term Cost of Fees

Unit Trusts vs ETFs

Mutual Fund Fees

Firstly, I’ll be using unit trusts and mutual funds interchangeably. For the purpose of this article, they are one and the same.

Secondly, we’ll be mainly comparing ETFs vs Unit Trusts here. I do this because I want to draw more attention to our local ETFs in Malaysia which are the closest and better options compared to unit trusts. I want to get Malaysians off high fees and unit trusts.

For those that don’t know what unit trusts / mutual funds are, let me explain it simply. Mutual funds are managed by a fund manager(s) who claim to be able to procure superior returns for investors. You put your money in a mutual fund and they invest it for you, for a fee. That’s it.

The only and most logical question an intelligent investor would ask is:

  1. Can they beat the market’s rate of return?

The short answer? No.

Unit trust holders would argue that there are funds out there that beat the market. Yes, there are but there aren’t many. The fact is that the global majority of actively managed funds just don’t beat the market. And the small number that does, they may be taking higher risks. Sometimes, it’s even down to pure luck.

The next factor would be the fund managers themselves. Funds are only as good as the fund managers that run them. Which is a problem itself because fund managers come and go. A good fund manager does not stay long at a particular fund. This means – a fund does not stay good for long.

The KLSE isn’t a very efficient market when compared to other countries which is why UT funds are still able to outperform our benchmark. This is the only reason they’re still in business. Because some still generate decent returns. However, if you think about it, when there are so many other cheaper alternatives out there that can do the same thing and beat the local KLCI index, is it necessary for you to pay the high fees for a fund manager to do the same thing?

Which is why we find ourselves comparing ETFs to UT funds.

Fees

I’ve written a previous article on the impact of fees which is a tad bit outdated. I realise that front-load charges (or sales charge) have gone down since that article.

To compare the cost of Unit Trusts vs ETFs, we assume the following:

  1. An initial investment of RM100K with no further reinvestment.
  2. A 30 year long term investment period.
  3. 10% return per annum.
  4. A conservative industrial average total expense ratio (TER) to be used. 2% for UTs and 1% for ETFs. Calculated below.
 Unit Trust FundExchange Traded Fund
Sales charge2.50%0.00%
Brokerage fee0.00%0.30%
Clearing fee0.00%0.03%
Initial cost 2.50%0.33%
Yearly TER2.00%1.00%
Initial investment cost
in the 1st year
4.50%1.33%
Subsequent year cost2.00%1.00%

Conclusion

Over a period of 30 years, just from the impact of fees alone, you will lose approximately RM340K or 35% of your returns. The difference in fees is only 1%.

Bear in mind that we are working with very conservative figures here. I know of many unit trust funds that charge much higher fees. And if we take a low-cost fund like Vanguard’s S&P 500 ETF instead, we will be looking at a much, much bigger difference.

The above example is only taking into account the fees you’re paying. I hope the simple comparison above makes the case for seeking lower fees.

If, after looking at the data and reading this, you still find yourself wanting to invest in unit trusts and mutual funds (you’re crazy), I’d ask you to look at online platforms like Fundsupermart. They are the cheapest as an online platform. Please do not get yours with agents who charge high sales charges.

ETFs Available in Malaysia

Back to ETFs, your choices for ETFs in Malaysia are actually many. These are all local ETFs available on Malaysia’s KLSE exchange and can be traded just like individual stocks.

Account opening can be done easily online with brokerages like Rakuten Trade. I list a comparison of all our local brokerage firms hERE.

ETF Malaysia Returns

Above is a list of ETFs found in Malaysia with their returns calculated based on NAV.

In terms of fees (which directly correlates to your returns), ETFs are superior to UT funds.

You may have other concerns with local ETFs. One of which would be their liquidity. You’d be happy to know that as a requirement by regulators, Malaysia’s ETFs are backed by market makers. So, liquidity issues? Check.

While researching local ETFs for this article, I was actually pleasantly surprised to find so many ETFs listed on the bourse. Looking forward to see more innovations and choices from ETFs in the future.

If you are looking for something to track our KLCI index, the FTSE Bursa Malaysia KLCI ETF tracks the top 30 companies in Malaysia by market cap. Another interesting one is TradePlus DWA Malaysia Momentum which uses smart beta (technical analysis) to select the top 20 Malaysian stocks with the highest momentum.

Looking for local ETFs in Malaysia that have foreign exposure, for example, China? TradePlus’ S&P New China economy, and Principal FTSE China 50 ETF both provide you with exposure.

To get exposure to the gold industry which is well known as a safe haven and good for hedging, we have the TradePlus Shariah Gold Tracker.

Choices of ETFs listed on Bursa Malaysia may not be as broad as those found in other countries, we do however still have a relatively good range of selection.

End.

Another similar investment product that I didn’t mention above is actually Robo-advisors. They’re similar in some ways to UTs and ETFs but not so similar that I can compare them all in this article. If you’re interested in Robo-advisors, you can read about my Stashaway portfolio hERE.

As with all investments, be it UTs, ETFs, or Robo-advisors, I’d caution everyone to do their own due diligence and research before making an investment.

It is my sincere hope that Malaysians are more educated and just a little more financially literate after reading this article. May you make better financial decisions in the future.

As always, Facebook, Instagram, and now YouTube! Follow, keep up to date.

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StashAway Malaysia Review and Portfolio’s Performance

By Leigh
Updated July 1, 2022 Filed Under: Investment, Other Investments 38

StashAway’s Latest Promo

StashAway is bringing new & existing investors a special promotion to help you grow your cash.

Earn up to 3.2% p.a. on your cash between 1 Jul and 31 Dec 2022.

New Users

  1. Simply sign up hERE.
  2. Make your first deposit into StashAway Simple between 1 July and 31 August 2022 to enjoy a rate of 3% p.a. on up to RM 20,000 in your StashAway Simple portfolio.
  3. Subsequently, successfully refer two friends to use StashAway Simple before 31 August 2022 to enjoy a rate of 3.2% p.a. on up to RM 20,000 in your StashAway Simple portfolio.
  4. Limited to the first 5,000 new investors only.

Existing Users

  1. Refer your first friend and earn 3% p.a. on your StashAway Simple portfolio when they make their first deposit into StashAway Simple between 1 July and 31 August 2022 on up to RM 20,000.
  2. Subsequently, refer your second friend to StashAway before 31 August 2022 to enjoy a rate of 3.2% p.a. on your StashAway Simple portfolio of up to RM 20,000.

For full terms and conditions visit the campaign landing page here https://bit.ly/3OQ7vGI

Moving on to the Main Article…

Latest portfolio updates can be found hERE at the bottom of the page.

If you’re looking for a referral or promo code, you can register hERE.
You get 50% off your fees for the first RM100,000 invested for 6 months.

Having been watching and hearing a lot about StashAway for the past few months, I finally met up with the StashAway team.

I got to know more about the company itself and the team behind it. I was impressed by both the team and the technology behind StashAway. I’ll, therefore, be guiding you to opening a new account and investing with them in this article.

How Does StashAway Work?

I’ve put off opening an account for a while now as I wasn’t too sure what kind of investment strategies StashAway’s Robo algorithm was going to apply to my hard-earned money.

They call it the Economic Regime-based Asset Allocation (ERAA). In short:
1. You determine your risk levels
2. StashAway picks the securities to invest in for you
3. ERAA will re-adjust the asset allocation to maintain your previously determined risk level

StashAway essentially invests your money in ETFs for you, covering every major sector depending on your selected risk profile.

I went for a higher risk (higher potential reward) portfolio. In fact, I went for the highest 36% risk index one. I’ll be updating my portfolio’s performance on a monthly basis. You can find it hERE at the bottom of the page.

Another thing to note is that the type of portfolios you have access to on StashAway depends on the risk assessment you did. 36% being the highest risk index. Some of you, depending on your answers in StashAway’s assessment survey, may not have access to the higher risk portfolios.

How Does StashAway Calculate Your Returns

Time-weighted Return

StashAway uses Time-weighted Return (”TWR”) to calculate your returns. And I’ve gotten a lot of questions regarding this metric.

Time Weighted Return measures the compound rate of return over a given period for one unit of money.

From StashAway’s website:

Time-weighted Return (TWR) is the most commonly-used way to calculate returns in the financial industry, and it’s an easy metric to compare returns between different portfolios.

By tracking the portfolio’s performance from your first deposit, a portfolio’s TWR removes the distortions that various cash inflows and outflows create. In essence, TWR measures the portfolio manager’s ability to generate returns, not the effects of an individual’s deposit and withdrawal behaviours.

In essence, TWR measures compound rate of growth. It eliminates the distortion created by your inflows and outflows of money. This is important as many using StashAway use the dollar-cost averaging (”DCA”) method.

Money-weighted Return

A Money Weighted Return measures the compound growth rate in the value of all funds invested in the account over the evaluation period.

This approach helps to gauge the effectiveness of the individual’s timing of deposits and withdrawals. As a result, MWR may also overweight or underweight the returns you see as a result of factors unrelated to the performance of the portfolio manager and their investment strategy. It will potentially inflate your returns when you deposit while markets are going up and understate your performance when you deposit while markets are going down. It will also give your lump sum deposit performance a larger weighting when calculating the money weighted return.

So, unless your portfolio manager determines when to deposit or withdraw funds from your portfolio, MWR doesn’t effectively measure your portfolio manager’s performance. You should only use MWR to compare two different portfolios if you have the exact same deposit and withdrawal behaviors for both portfolios.

MWR’s merit lies in that it clarifies the impact of the individual investor’s investment decisions (e.g., when you deposit and withdraw).

Is StashAway Safe?

StashAway is regulated by our very own Securities Commission (SC) Malaysia. That’s as safe as a Malaysian company can get in the capital market.

So, yes! StashAway is totally safe and they’re regulated.

That being said though, robo-advisors have been known to shut down. Your money however, will be held with trustees. So don’t worry.

StashAway Simple

The people behind StashAway have recently come up with StashAway Simple – a cash management fund in essence. They’re projecting returns of up to 2.4% p.a. Which is absolutely brilliant!

You get great liquidity with cash management funds. You can withdraw your money anytime. Comparing it to FDs, if you uplift your FD prematurely, you lose all interest you were meant to gain. No such thing with a cash management fund.

Also, with a projected return of 2.4%, it’s easily beating most FD rates right now with Malaysia experiencing all-time low rates.

As for its risks, they’re about as safe as FDs as StashAway Simple invests in money market instruments issued by banks themselves.

I personally use StashAway Simple as a place to hold my unutilized cash. I foresee myself eventually moving most of my cash here.

What I Like About StashAway

  1. As a retail investor, you get access to a multitude of investments from around the world including the US, Japan etc.
  2. You also pay lower fees only available to the big boys.
  3. Auto readjustment of your portfolio. You can leave your portfolio as it is for years and let StashAway handle it.
  4. Annual fees start at 0.8% and it goes down as you invest more. (Use my referral code below to get 50% off for the first 6 months)
  5. As foreigners investing in the US and other countries, we are liable to pay withholding tax. StashAway as an institution tries its best to reduce this for its investors.

Dislikes

I found that I was unable to pick and choose personally the assets which I want to invest in. The only choice I had as an investor was to reset my risk profile and look at the breakdown of assets to be invested in.

Why? This is in StashAway’s FAQ –
Based on your risk preferences, selected goal, and current economic regime, our algorithm carefully picks the ETFs most suitable for your goal. This allows us to provide the most optimal diversification personalized to you. As such, it is not possible for a customer to handpick the ETFs or the allocation.

Verdict and Review

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StashAway I think is a godsend for people that don’t have the know-how and/or time to do their research and valuation of individual stocks. If it’s a simple buy and wait strategy you’re vying for then this is the platform you should use.

Instead of paying enormous and exorbitant fees for unit trusts and mutual funds here, go with StashAway. You’ll have AI invest for you, which means no emotional and irrational decisions by human fund managers.

Updated Oct’20

With the Covid-19 pandemic, StashAway performed pretty well with my 36% risk portfolio. They managed to reduce losses as the market tanked in March and a few short weeks after, my portfolio was back in the green.

I’m pretty sure not everyone was able to predict such a quick recovery by the equity markets in such a short time which was why we didn’t see huge returns for StashAway’s portfolios.

In short, StashAway managed to weather the storm. The algorithm works and I’ll continue making recurring deposits.

I’ll also be storing a portion of my portfolio into StashAway Simple for that sweet >2% returns.

Have any of you started investing in StashAway? How is your porfolio doing? And for those who are planning to start out, please do share the portfolio mix you’ve decided on and why.

StashAway Referral Code

First things first, sign up at this link hERE.
Dividend Magic has partnered with StashAway to get you 50% off your fees for the first RM100,000 invested for 6 months.

StashAway Step-by-Step Registration Guide

Now, I didn’t have too much trouble with the account sign up. It took me about 5 minutes but I’ll guide you through it as best I can. With pics.

Step 1 – Getting Started
Step 2 – Your Email and Password
Step 3 – Your Goals and Portfolio
My Parameters
Projections for my Portfolio – I wish.
Step 4 – Eligibility
Step 5 – More Assessments
Final Step – Set up your risk profile!

My Stashaway Portfolio Update

I will be updating my StashAway portfolio on a regular basis.

May 2022

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Total value: RM62,400.43

Dividend Magic – Risk (36% Risk Index)
Gross Investment – RM50,000.01
Current Value – RM46,814.01
Time-weighted return – 1.86%
Money-weighted return – -12.10%

Dividend Magic US – Risk (30% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM10,767.34
Time-weighted return – 7.67%
Money-weighted return – 7.67%

StashAway Simple
Gross Investment – RM4,500.00
Current Value – RM4,819.08

April 2022

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StashAway made a really bad move with China’s side of things and it has caused a huge stir, both in the portfolio and the community. I’m not gonna lie, I’m pissed. I wouldn’t have had a problem if they just continued taking up positions in China or even holding them.

I’m losing money! Guess what? The only portfolio doing well is StashAway Simple.

Total value: RM63,104.55

Dividend Magic – Risk (36% Risk Index)
Gross Investment – RM50,000.01
Current Value – RM47,405.90
Time-weighted return – 3.15%
Money-weighted return – -10.32%

Dividend Magic US – Risk (30% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM10,891.76
Time-weighted return – 8.92%
Money-weighted return – 8.92%

StashAway Simple
Gross Investment – RM4,500.00
Current Value – RM4,806.89

January 2022

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Total value: RM67,120.99

Dividend Magic – Risk (36% Risk Index)
Gross Investment – RM50,000.01
Current Value – RM50,867.39
Time-weighted return – 10.68%
Money-weighted return – 3.92%

Dividend Magic US – Risk (30% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM11,463.32
Time-weighted return – 14.63%
Money-weighted return – 14.63%

StashAway Simple
Gross Investment – RM4,500.00
Current Value – RM4,790.28

December 2021

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Total value: RM64,777.86

Dividend Magic – Risk (36% Risk Index)
Gross Investment – RM48,000.01
Current Value – RM48,575.135
Time-weighted return – 10.19%
Money-weighted return – 2.79%

Dividend Magic US – Risk (30% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM11,433.23
Time-weighted return – 14.33%
Money-weighted return – 14.33%

StashAway Simple
Gross Investment – RM4,500.00
Current Value – RM4,769.28

October 2021

Right back on track this month! Glad I made the decision to put in a little more last month. Not at July’s returns but we are getting there.

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Total value: RM61,904.62

Dividend Magic – Risk (36% Risk Index)
Gross Investment – RM44,000.01
Current Value – RM45,600.19
Time-weighted return – 12.82%
Money-weighted return – 8.92%

Dividend Magic US – Risk (30% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM11,552.14
Time-weighted return – 15.52%
Money-weighted return – 15.52%

StashAway Simple
Gross Investment – RM4,500.00
Current Value – RM4,752.29

September 2021

A bad month for almost all my investments. My StashAway portfolio wasn’t spared as well. Apart from the usual RM2K per month, I moved an additional RM3K from StashAway Simple to the main 36% Risk portfolio. DCA + a little buying the dip.

Additionally, if you’ve been wanting to invest with a roboadvisor, now could be a good time. Of course, please do your own research and due diligence first.

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Total value: RM58,171.19

Dividend Magic – Risk (36% Risk Index)
Gross Investment – RM42,001.00
Current Value – RM42,266.36
Time-weighted return – 9.41%
Money-weighted return – 1.56%

Dividend Magic US – Risk (30% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM11,167.54
Time-weighted return – 11.68%
Money-weighted return – 11.68%

StashAway Simple
Gross Investment – RM4,500.00
Current Value – RM4,737.29

August 2021

A pretty big dip in performance here. I, in fact, had hopes that StashAway would actually be making gains the past month. Will wait a bit to see if performance continues to drop.

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Total value: RM55,033.95

Dividend Magic – Risk (36% Risk Index)
Gross Investment – RM35,001.00
Current Value – RM35,973.59
Time-weighted return – 11.03%
Money-weighted return – 6.34%

Dividend Magic US – Risk (30% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM11,350.24
Time-weighted return – 13.50%
Money-weighted return – 13.50%

StashAway Simple
Gross Investment – RM7,500.00
Current Value – RM7,710.12

July 2021

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Total value: RM55,444.93

My stashaway portolio has steadily grown in value from a mere RM5K back in March 2020. Started regular monthly injection of RM2K in September as well as some extra money pumped in when the market was bad and now we’re at RM55K in value.

Returns have been pretty good so far and looking forward to the next 10 years. StashAway is the platform I most often urge beginners to start with when they ask me ”how to start investing?”. So if you haven’t already, sign up for Stashaway. And then slowly move to other assets.

Dividend Magic – Risk (36% Risk Index)
Gross Investment – RM33,001.00
Current Value – RM35,895.38
Time-weighted return – 17.96%
Money-weighted return – 21.46%

Dividend Magic US – Risk (30% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM11,857.11
Time-weighted return – 18.57%
Money-weighted return – 18.57%

StashAway Simple
Gross Investment – RM7,500.00
Current Value – RM7,692.44

June 2021

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Moved some funds from StashAway Simple to my 36% portfolio to capitalise on the dip in the market last month. Making a little more gains. Just touched about RM50K in total value in StashAway now.

Dividend Magic – Risk (36% Risk Index)
Gross Investment – RM31,001.00
Current Value – RM33,541.37
Time-weighted return – 15.88%
Money-weighted return – 19.94%

Dividend Magic US – Risk (30% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM11,590.84
Time-weighted return – 15.91%
Money-weighted return – 15.91%

StashAway Simple
Gross Investment – RM7,500.00
Current Value – RM7,692.44

May 2021

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With the dip in the markets recently, I’ll be moving some money out of SA Simple into my 36% Risk Index Portfolio. We should see it reflected in the next update!

Dividend Magic – Risk (36% Risk Index)
Gross Investment – RM24,001.00
Current Value – RM26,000.47
Time-weighted return – 13.25%
Money-weighted return – 17.45%

Dividend Magic US – Risk (30% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM11,416.45
Time-weighted return – 14.16%
Money-weighted return – 14.16%

StashAway Simple
Gross Investment – RM12,500.00
Current Value – RM12,676.72

April 2021

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Dividend Magic – Risk (36% Risk Index)
Gross Investment – RM22,001.00
Current Value – RM24,634.88
Time-weighted return – 15.99%
Money-weighted return – 24.70%

Dividend Magic US – Risk (30% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM11,443.90
Time-weighted return – 14.44%
Money-weighted return – 14.44%

StashAway Simple
Gross Investment – RM12,500.00
Current Value – RM12,642.31

March 2021

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Dividend Magic – Risk (36% Risk Index)
Gross Investment – RM20,001.00
Current Value – RM23,047.82
Time-weighted return – 18.20%
Money-weighted return – 30.70%

Dividend Magic US – Risk (30% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM11,374.55
Time-weighted return – 13.75%
Money-weighted return – 13.75%

StashAway Simple
Gross Investment – RM12,500.00
Current Value – RM12,625.37

February 2021

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Dividend Magic – Risk (36% Risk Index)

Gross Investment – RM18,001.00
Current Value – RM21,630.61
Time-weighted return – 21.69%

Dividend Magic US – Risk (30% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM11,444.72
Time-weighted return – 14.45%

StashAway Simple
Gross Investment – RM12,500.00
Current Value – RM12,588.00

January 2021

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Dividend Magic – Risk (36% Risk Index)
Gross Investment – RM16,001.00
Current Value – RM18,319.50
Time-weighted return – 13.97%

Dividend Magic US – Risk (30% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM11,010.15
Time-weighted return – 10.10%

StashAway Simple
Gross Investment – RM12,500.00
Current Value – RM12,568.69

December 2020

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Dividend Magic – Risk (36% Risk Index)
Gross Investment – RM14,001.00
Current Value – RM15,378.03
Time-weighted return – 8.01%

Dividend Magic US – Risk (30% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM10,603.19
Time-weighted return – 6.03%

StashAway Simple
Gross Investment – RM12,500.00
Current Value – RM12,559.17

September 2020 (Started DCA)

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Dividend Magic – Risk (36% Risk Index)
Gross Investment – RM10,000.00
Current Value – RM10,753.27
Time-weighted return – 3.25%

StashAway Simple
Gross Investment – RM7,500.00
Current Value – RM7,500.00

March 2020 (In the Beninging)

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