2018 Status of POEMS Share Builder Plan


Update: 2019 Status of POEMS Share Builder Plan

People used to say that investing is a great way to grow your money. I have read up on the various methods on investing and settled on the easiest path: dollar cost averaging (DCA) via monthly buys.

POEMS offers an easy way to do DCA on a number of share counters, which they term as “Share Builder Plan (SBP)”. Basically, they just debit your bank account via GIRO every month to purchase the counters which you have indicated interest. I will not go through the pros and cons as I believe that there are many websites out there covering such topics.

I have started the SBP in November 2015 and have maintained a regular monthly contribution of $1,000 to the SPDR Straits Times Index ETF (ES3). I have kept the records of my SBP’s progress in an excel file. The essentials are extracted in the table below.

Click to show/hide table

P/L is inclusive of the dividends.

DateSharesValueDividendsFeesP/L
Nov-15336$991.20$0.00$6.42-$6.42
Dec-15678$1,972.98$0.00$12.84-$26.28
Jan-161052$2,789.90$0.00$19.26-$207.62
Feb-161424$3,810.62$53.65$26.25-$135.72
Mar-161784$5,180.74$53.65$32.67$182.53
Apr-162125$6,190.13$53.65$39.09$192.17
May-162477$6,995.05$53.65$45.51-$3.38
Jun-162825$8,051.25$53.65$51.93$54.61
Jul-163159$9,401.18$53.65$58.35$404.14
Aug-163503$10,116.66$186.33$66.19$250.98
Sep-163893$11,227.41$186.33$72.61$230.55
Oct-164239$12,182.89$186.33$79.03$185.20
Nov-164583$13,235.70$186.33$85.45$238.13
Dec-164917$14,613.32$186.33$91.87$616.68
Jan-175241$16,074.15$186.33$98.29$1,077.37
Feb-175560$17,313.84$464.10$107.69$1,592.08
Mar-175960$18,934.92$464.10$114.11$1,935.94
Apr-176274$19,825.84$464.10$120.53$1,828.20
May-176579$21,454.12$464.10$126.95$2,455.46
Jun-176880$22,676.48$464.10$133.37$2,679.30
Jul-177177$24,028.60$464.10$139.79$3,030.64
Aug-177581$25,032.46$808.60$149.89$3,034.89
Sep-177883$25,903.54$808.60$156.31$2,907.17
Oct-178177$27,638.26$808.60$162.73$3,641.75
Nov-178467$29,016.41$808.60$169.15$4,019.65
Dec-178754$30,358.87$808.60$175.57$4,360.38
Jan-189030$32,435.76$808.60$181.99$5,439.46
Feb-189315$32,509.35$1,287.19$193.53$4,985.45
Mar-189734$34,107.94$1,287.19$199.95$5,109.44
Apr-1810013$35,676.32$1,287.19$206.37$5,677.32
May-1810290$36,827.91$1,287.19$212.79$5,831.11
Jun-1810585$35,703.21$1,287.19$219.21$3,704.95
Jul-1810886$35,945.57$1,287.19$225.63$2,947.00
Aug-1811191$36,404.32$1,940.35$239.04$3,053.33
Sep-1811709$37,105.82$1,940.35$245.46$2,106.87
Oct-1812029$37,362.07$1,940.35$251.88$1,362.78
Nov-1812348$38,377.58$1,940.35$258.30$1,380.42
Dec-1812667$39,483.04$1,940.35$264.72$1,485.13

Overall, I have made a total profit of $1,485.13 after 38 months of investment. 2018 was a brutal year for Singapore markets. If I had not invested and placed the money into CPF (with 2.60% interest rate), I would have made a profit of $1,601.89 (not far from the POEMS SBP).

As the market appears to be weak and that a correction might be due, will it be time to increase the monthly contribution to take advantage of the “dip”? Let me know in the comments below.


Sunshine

Dabbling with random things in his free time.

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