POSB Invest-Saver RSP Update

If I am to describe myself as an investor now, I will probably be an index investor. It has since been about 9 months ago that I subscribed to Invest-Saver. There were a couple of reasons that got me started. 

Firstly, I wanted to get started with stocks, secondly, learn about investing with a small capital and lastly, to discipline myself financially. 

9 months on, how did it fare? 

Dollar-Cost Averaging

$100 goes into the RSP monthly, except for June's amount of $200. 

Total Investment Costs and Cumulative Portfolio Value as of 30 July

Capital Gains/Losses as of 30 July

There were dividends of $2.93 in January and $10.59 in July. 

Total Return is $17.64 as of 29/7/16 which includes the dividends minus the commission costs. (Note that a few months back, the STI was really volatile and Total Return was negative, so it isn't all rosy always). Current share price stands at 2.93 as of 29/7/16). 

I am going to continue this plan until my ORD because that's when my cash flow stops. There was no particular reason for putting in $200 in June other than trying out the ATM function. 

There will always be different expectations of returns. A fellow army mate shared how he can win hundreds in a casino, another won hundreds in the recent World Cup. So when this topic came up, it's quite apparent that the returns are low and volatile for this Invest-Saver. But one of them signed up after he realized that time and the value of compounding could help here. To each his own. 

So I tell myself that in time, this RSP will shine even with corrections in the STI. I must be able to wait out those falls and be in for the long haul. 

Till next time, 
K.