[sgbuffett]

First performance the red line is my unit trust portfolio performance the blue line is if I put my money in DOW Index(adjusted to SGD)



Here are the lessons I learned

1. If you use CPFIS to invest you are forced to use 70% for unit trust and only 30% in stocks...and only Singapore stocks are allowed.

2. Unit trust trust charge about 1.5% that means I lost 18% of my returns over 12yrs for the first amount I invested.

3. While there is plenty of choices, the only low cost fund you can buy is STI ETF which is also counted as a unit trust.

4.  Only 10% of my funds was invested in the US yest I match the performance of the best market in the world. I did this with a strategy that has been proven and I used it from the start. The strategy consist of 2 parts one is regular investments every month money goes to a set of unit trusts for countries selected at beginning of year based on low CAPE ratio. The rest are invested when corrections in market occur in the year and in countries where special temporary situations occur.

5. If I had kept my funds in CPFOA, returns would make been very bad compared with investing the money.