SquirrelSave Reference Portfolios Outperform Significantly in 2021
Delivered +14% to +25% Returns for whole year 2021
Jan 8, 2022
Despite a volatile Dec 2021, SquirrelSave delivered double digit returns
December 2021 saw jittery markets as the US Federal Reserve signaled an end to monetary easing. Inflation fears continue. Omicron threatened more infection waves.
Yet SquirrelSave’s reference portfolios achieved 14% gains for the low-risk Conservative investment portfolio while at the highest risk end, the Very Aggressive reference investment portfolio achieved as high as +25% for the whole of 2021.
The SquirrelSave reference portfolio returns beat other comparable risk-based portfolios that we track in terms of equity/fixed income benchmarks.
SquirrelSave Full Year 2021 – Investment Performances (SGD terms) *
* Inclusive of ETF expense ratios and net of SquirrelSave management fees. SquirrelSave uses AI to design and manage diversified investment portfolios for each investor. Because SquirrelSave is not an investment fund, there is no single return measure. Instead, every SquirrelSave investor has his/her own investment performance as each investor is managed separately by our SquirrelSave AI. As investors can withdraw and top-up any time, investment returns will be affected by individual investor decisions. Hence, SquirrelSave uses reference portfolios which are actual portfolios managed on an ongoing basis, without any interference with withdrawals or top-ups, to measure investment performance.
** Single portfolio investment amount more than SGD15,000
*** Performance numbers for competitors are estimates.
# Ret/Vol refers to the ratio of Investment Returns over Volatility (or Risk)
Decent One-Year Risk Adjusted Returns
In risk-based investing, we use diversification to reduce volatility in line with the risk settings chosen by you. Given your risk settings, SquirrelSave AI targets probabilistic returns after predicting the volatility of various investment possibilities over different time periods. Now, we can see that for 2021, SquirrelSave AI has shown decent Return to Volatility ratios. For example, in the Conservative reference portfolio, the Ret/Vol ratio of 1.11 suggests that for every one unit of risk taken, the return achieved is 1.1X.
At the high-risk end, the Very Aggressive SquirrelSave reference portfolio shows Ret/Vol ratio of 1.7X which means that for every unit of risk taken, SquirrelSave was able to generate 1.7X return.
Overall, we are pleased with the SquirrelSave AI algorithms in 2021. We will continue to monitor the system and help you navigate volatility in the year ahead.
Start your investment journey with SquirrelSave, even with ONE Dollar!
If you can, invest SGD15,000 or more to take full advantage of our AI and data analytics. But our SquirrelSave AI can still offer global portfolios from as low as ONE Dollar. That’s less than a cup of coffee! It’s time to harness the power of AI at SquirrelSave, designed with our years of professional investment experience.
Sign-up in minutes at www.squirrelsave.com.sg from wherever you are!
SquirrelSave AI Team
The contents herein are intended for informational purposes only and do not constitute an offer to sell or the solicitation of any offer to buy or sell any securities to any person in any jurisdiction. No reliance should be placed on the information or opinions herein or accuracy or completeness, for any purpose whatsoever. No representation, warranty or undertaking, express or implied, is given as to the information or opinions herein or accuracy or completeness, and no liability is accepted as to the foregoing. Past performance is not necessarily indicative of future results. All investments carry risk and all investment decisions of an individual remain the responsibility of that individual. All investors are advised to fully understand all risks associated with any kind of investing they choose to do. Hypothetical or simulated performance is not indicative of future results. Unless specifically noted otherwise, all return examples provided in our websites and publications are based on hypothetical or simulated investing. We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because hypothetical or simulated performance is not necessarily indicative of future results.
More Articles more
Covid-19 saw dramatic expansionary fiscal and monetary policies across the world in 2020 and 2021.
Frequently dubbed one of the "next big things in tech", Artificial Intelligence (AI) applications have significantly evolved. From search engines to money management, AI brings unique solutions and possibilities to the table with its ability to harness vast amounts of data and make inferences about new data – beyond human capabilities.
SquirrelSave Reference Portfolios Doing Well Despite Headwinds
Delivered +15% to +25% Returns YTD end-Nov 2021
November saw US equity markets setting new record highs but fell abruptly at month-end due to fears over the emerging Omicron Covid-19 variant, stubbornly high inflation due to global supply constraints and worries about the Federal Reserve’s next steps.