Dividends for Jul 2022

 Here are my dividends for Jul 2022:

So I collected $685.91 in dividends for July 2022. 

In case you are wondering, some stocks are repeated because I have 2 brokerage accounts. 

Here are my monthly dividends over the last 4 years:

Can't wait for the bumper harvest of dividends coming up in Sep!

Here are the dividends I collected every year until the current day:

This too shall pass - part 2

 It has been 2 months since my previous post about my portfolio taking a beating:

http://financeopti.blogspot.com/2022/05/this-too-shall-pass.html

I think it is time to re-evaluate the percentage gain(or loss) on my portfolio.

At this point in history, the Russia-Ukraine war is still ongoing with no signs of letting up. Covid-19 is causing lockdowns still in major Chinese cities. US-China tensions remain high. 

However, there are a couple of good news:

Somehow Russia-Ukraine managed to ink a deal to reopen grain exports, thereby alleviating the global food crisis:
https://www.straitstimes.com/world/europe/ukraine-russia-ink-deal-to-reopen-grain-export-ports

Petrol prices dropped to the lowest in 4 months:
https://www.straitstimes.com/singapore/transport/petrol-prices-fall-to-lowest-in-four-months-with-two-grades-below-3-a-litre

Here are the overall returns of the components in my portfolio:

Cryptocurrency -56.68%

SPY Fund          -7.23%

Bond                 -10.41%

USA                  -4.62%

One-Fourth       -7.39%

SGP                  +6.48%

BCIP                +3.03%

CPFIS              +17.89%

Dividends are not included in the above. 

Clearly, we are not out of the woods yet.

Roboadvisor Returns - Are they Real?

 So this link came to my mailbox the other day:

https://blog.seedly.sg/robo-advisors-returns-revealed-endowus-syfe-kristal-ai-and-more/#syfe

Some of the claims seem too good to be true. For example, for Endowus below, most of their funds had positive returns:

It is the same for Syfe:

The good thing is that I have both Endowus and Syfe accounts, so I can verify whether their returns are as good as claimed. 

Firstly, for Endowus I have the Endowus Core Flagship (80/20) fund. I started with $9,999.91 in Feb 2021 and ended with $24,911.83 in Dec 2021. I contributed $1000 every month starting from Feb 2021 till Oct 2021, and then in Nov and Dec 2021, I contributed $2000 monthly. 

Another piece of information you need is that the tables above show time-weighted returns, which is equivalent to the compound annual growth rate (CAGR) or the 'rate' in the fv() formula in Excel and Google Sheets: https://support.google.com/docs/answer/3093224?hl=en

So now you have the start value of your fund, the end value, and the monthly installments you make to the fund, all you have to do is to adjust the 'rate' inside the fv() formula until the displayed value is the same as your actual end value ($24,911.83 in my case).

Here's what I found for Endowus:

Claimed returns from the table above:  17.91%

My actual returns:                                 13.10%

Hmm...a bit off but that could be because I didn't contribute for the month of Jan 2021.

Now let's do the same analysis for Syfe:

For Syfe I have the Core Equity 100 (100%) fund. I started with $2,028.28 in Jan 2021 and ended with $16,879.90 in Dec 2021. I contributed $1000 every month starting from Feb 2021 till Oct 2021, and then in Nov and Dec 2021, I contributed $2000 monthly. 

Here's what I found for Syfe:

Claimed returns from the table above:  16.04%

My actual returns:                                 10.50%

Hmm...again the actual returns are lower than what is claimed.

So what do you think? How did these roboadvisors compute their time-weight returns? My actual results seem quite off the mark. 

By the way, if you are interested in these Roboadvisors, feel free to use my referral codes:

Endowus:   HDOJH

Syfe:           SRPSL4GWK

Side Hustle Earnings for May-Jun 2022

 Doing food delivery is getting more mundane as time passes.

Firstly the weather is the really hot meaning I break out in heat rash after 2-3 trips. 

Secondly, I have been to most of the popular restaurants/routes in my housing estate so most deliveries are not new to me.

Hope that I will feel motivated enough to continue doing this for months to come.

Below are my earnings for May-Jun 2022.

Dividends for June 2022

 Here are my dividends for June 2022:

So I collected $1174.18 in dividends for June 2022. 

In case you are wondering, some stocks are repeated because I have 2 brokerage accounts. 

Here are my monthly dividends over the last 4 years:

Here are the dividends I collected every year until the current day: