What're the returns (XIRR) for my CPFIS Portfolio

What’re the returns (XIRR) for my CPFIS Portfolio?

Note: This section is archived because I’ve diverted my CPF OA funds to Endowus (40-60 portfolio) instead. It aligns more with my philosophy of global diversification to seek higher risk adjusted returns. I realized an annualized loss of approximately of -1.5% a year. With opportunity cost of 2.5% from CPF OA, that amounts to 4% loss a year.

I expounded my philosophy and calculated the returns of my CPFIS portfolio via XIRR (Extended Internal Rate of Returns) here.

The binary lens of evaluating the XIRR is as follows,

  • If XIRR > 2.5%, my investment decision paid off
  • Else if XIRR < 2.5%, my invesment decision did not pay off (not to say it’s a bad decision. Pls do not confuse decision with outcome)

As an ex-economist/ data geek who doesn’t shy away from having skin in the game, I will be honest in sharing my returns and its stream of cashflow here,