MoneyOwl Dimensional

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Risk/return 5 portfolios of varying risk/return levels ranging from Conservative (lowest Risk and lowest return) to Equity (highest risk and highest return). Figures represent the asset allocation between Equities and Fixed income respectively.

5 asset allocations for different risk/return

Potential total gain $0

Portfolio value

Total invested amount

Disclaimer

The illustration shows the growth of portfolio value and total invested amount over your selected investment period.

Total invested considers the amount of initial investment as well as the total monthly investments over your selected investment period. Total gain refers to the difference between the combined amount of payouts received and portfolio value, and total amount invested over your selected investment period. Total invested considers the amount of initial investment as well as the total monthly investments over your selected investment period.

It is assumed that the portfolios grow at a constant rate of 6.7% p.a., 6.3% p.a., 5.6% p.a., 4.6% p.a. and 3.2% for Equity, Growth, Balanced, Moderate and Conservative portfolio respectively. Returns are projected long-term returns using average 20-year rolling returns (rolled monthly) of comparative indices from 1994 to 2020 Returns are net of fund level fees (0.25% p.a. to 0.27% p.a.) and net of advisory fees (assumed 0.60%). It is assumed that re-balancing is performed half yearly. This graph is only for illustration purposes, and does not represent actual investor performance. Actual performance will vary due to changes in market conditions, differences in fees and actual portfolio rebalancing. Past performance is not indicative of future performance.

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MoneyOwl Growth of Wealth

Disclaimer

Diagram shown illustrates the hypothetical growth of S$100,000 investing in MoneyOwl portfolios, starting November 2000.

As some underlying funds of MoneyOwl investment portfolios are incepted only recently, monthly returns of comparable blends of indices were used for periods prior to 2019 and actual monthly fund returns were used from the start of 2019. Indices used to proxy the portfolios are Dimensional Global Equity Index, Dimensional Emerging Adjusted Large index, FTSE World Government Bond Index 1-5 years (hedged to SGD) and Bloomberg Barclays Global Aggregate index (hedged to SGD). It is assumed that rebalancing was done half yearly. It is possible that the MoneyOwl portfolios would have performed better or worse than the comparable blends of indices. These differences may be due to, but not limited to portfolio rebalancing, dividends reinvestments and fees.

Actual individual investor performance has and will vary depending on the time of the initial investment, amount and frequency of contributions and intra-period allocation changes. The diagram illustrates the performance of MoneyOwl portfolios but cannot be indicative of future performance.

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MoneyOwl Standard's Five Portfolios

Our portfolios are created using Dimensional Fund Advisors’ (DFA) funds which are backed by decades of research and cater to varying levels of risk appetites.