MoneyOwl Dimensional
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Adjust the values to preview how your portfolio will grow over the years
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.
MoneyOwl Growth of Wealth
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.
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.
Projected returns: 6.83% p.a. | Standard Deviation: 14.23%
Projected Returns: 6.53% p.a. | Standard Deviation: 11.21%
Projected Returns: 5.64% p.a. | Standard Deviation: 8.4%
Projected Returns: 4.52% p.a. | Standard Deviation: 5.37%
Projected Returns: 3.20% p.a. | Standard Deviation: 2.48%
Projected returns are based on the average historical 20-year rolling period returns of Dimensional Global Core Equity Index, Dimensional Emerging Markets Adjusted Large Cap Index & FTSE World Government Bond Index 1- 5 Years (hedged to SGD) from 1994 to 2021 and Bloomberg Global Aggregate Bond Index (hedged to SGD) from 2000 to 2021. Please note that past performance is not a guarantee of future results.
Projected returns are calculated after deducting fund level fees, which range between 0.25% and 0.27% p.a., and net of advisory fees of 0.6% p.a.
Past performance is not an indicator of future performance.
How Dimensional invests your money
Dimensional funds trust markets and don’t gamble investors’ money on their hubris. Their strategies are not based on forecasting, which is often euphemised as “investment skill” or “dynamic allocation”. Dimensional shares our philosophy of staying invested in broadly diversified markets to capture long-term market return. MoneyOwl’s portfolios are made up of the following specially-curated funds from DFA:
Dimensional Global Core Equity Fund (SGD, Accumulation)
Number of holdings: 7730
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Top 5 Country Allocation (%) |
|
United States |
65.2 |
Japan |
8.3 |
United Kingdom |
4.5 |
Canada |
3.4 |
France |
2.8 |
Sector Allocation (%) |
|
Information Technology |
18.7 |
Industrials |
13.4 |
Consumer Discretionary |
13.1 |
Financials |
12.2 |
Health Care |
11.2 |
Communication Services |
7.8 |
Consumer staples |
7.3 |
Materials |
6.3 |
Energy |
3.2 |
REITs |
3.1 |
Utilities |
2.8 |
Real Estate |
1.0 |
Dimensional Global Core Equity Fund (SGD, Accumulation)
Number of holdings: 7730
Download Product Highlights Sheet
Download Prospectus
Top 5 Country Allocation (%) |
|
United States |
65.2 |
Japan |
8.3 |
United Kingdom |
4.5 |
Canada |
3.4 |
France |
2.8 |
Sector Allocation (%) |
|
Information Technology |
18.7 |
Industrials |
13.4 |
Consumer Discretionary |
13.1 |
Financials |
12.2 |
Health Care |
11.2 |
Communication Services |
7.8 |
Consumer staples |
7.3 |
Materials |
6.3 |
Energy |
3.2 |
REITs |
3.1 |
Utilities |
2.8 |
Real Estate |
1.0 |
Dimensional Emerging Market Large Caps Core Equity Fund (SGD, Accumulation)
Number of holdings: 1026
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Download Prospectus
Top 5 Country Allocation (%) |
|
China |
40.7 |
Taiwan |
14.4 |
Korea |
12.6 |
India |
8.2 |
Brazil |
6.0 |
Sector Allocation (%) |
|
Information Technology |
18.8 |
Financials |
16.5 |
Consumer Discretionary |
11.3 |
Communication Services |
10.0 |
Energy |
9.6 |
| Materials | 9.10 |
| Consumer Staples | 7.0 |
| Real Estate | 6.7 |
| Industrials | 6.5 |
| Health Care | 2.7 |
| Utilities | 1.9 |
| REITs | 0.0 |
Dimensional Global Short Fixed Income Fund (SGD, Accumulation, Hedged)
Number of holdings: 259
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Download Prospectus
Credit Rating (%) |
|
AAA |
28.9 |
AA |
57.3 |
A |
13.8 |
Credit Exposure (%) |
|
Euro |
53.2 |
British Pound |
15.6 |
US Dollar |
11.1 |
Canadian Dollar |
11.1 |
Australian Dollar |
5.3 |
| Swedish Krona | 3.0 |
| Norwegian Korne | 0.8 |
Maturity (%) |
|
0-1 year |
46.0 |
1-5 years |
54.0 |
Sector (%) |
|
Government Related |
62.2 |
Corporates |
37.8 |
(New!) Dimensional Global Core Fixed Income Fund (SGD, Accumulation, Hedged)
Number of holdings: 448
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Download Prospectus
Credit Rating (%) |
|
AAA |
10.1 |
AA |
26.3 |
A |
26.3 |
BBB |
35.0 |
BB/B |
2.3 |
Credit Exposure (%) |
|
US Dollar |
51.4 |
Euro |
15.9 |
British Pound |
12.4 |
Canadian Dollar |
10.5 |
Australian Dollar |
5.3 |
| Japanese Yen | 4.5 |
Maturity (%) |
|
5-10 years |
63.6 |
10+ years |
24.0 |
1-5 years |
12.4 |
Sector (%) |
|
Government Related |
29.6 |
Corporates |
6.0 |
Treasury |
1.5 |
All values are as of 31 August 2020
The blended Total Expense Ratios (TER) of our portfolios made up of Dimensional funds are low: 0.25%-0.27% p.a., or more than 75% lower than actively managed funds which have an average TER of 1.35%-1.89% p.a.
MoneyOwl does not receive any trailer commissions from Dimensional.
As the Dimensional funds are structured as unit trusts, investors can own fractional shares and invest a small quantum.
Dimensional funds can only be accessed through licensed financial advisers approved by Dimensional.
