Monday, January 4, 2016

December 2015 - Unit Trust Portfolio Update

I was away mostly for vacation in December. As I was enjoying quality time with my family, I was pretty much isolated from what's happening in the market.

Total portfolio was down -0.07% ($191.69) for the year, and 2015 was the first year the portfolio return was negative. Total platform fees paid for 2015 were $772.46 and these hadn't included annual management fees of the funds. When all the fees combined, was it a drag to the portfolio performance? Yes absolutely in my opinion.

Below was the summary of my transactions in Dec 2015:
1. Bought
Aviva Inv Glb HY Bd Am USD(SGD) $1,293.20

Link to Yaruzi's unit trust portfolio allocation as of Dec 2015


  1. Individual funds management fees are reflected in their NAV, no?

  2. Hi RK

    Yes, they're. What I tried to say, the $772.46 was just platform fees. If I took into account the management fees ranging 1-2% that were directly taken from the NAV, it would be easily another $2,600-$5,200 drag to the portfolio performance.