i see. i just started etoro actually. inspire by a very young talent man name spark liang. sound like a sparkling name. Brainwashed after saw his few videos. Damn spark the fire in my heart. lucky i just invest like 300 usd try water. damn should not ever believe a person name spark again.
Thanks for advise

Returns are similar to mine but don't be fooled by the Time-Weighted Return of around 30% since this is cumulative over the investment period. My actual CAGR is only 5%-6% at the moment for StashAway (SRI36).

Question is did you get out with a profit?

If yes by all means go ahead as they are not consistent with AA hence you can see the lower performing and mid range is performing is stable while higher risks is bearing the brunt

This year AA is much more resilient as compared to past 3 years as I believe the new CIO is much convincing than the previous one 🤦‍♀️

slightly sick. will add on at a later date when i have time
don't compare FD against equity, esp since we have the once a decade bear market currently. comparing bear market vs FD will make it seem like it's better to stick to FD, but you'll lose out of the remaining 9 years of bull market.

compare against a DIY portfolio of S&P500, and see by how much SA is underperforming

Yes, don't go for SA or any other equity investment.
If the investor does not fully understand or willing to take investment risks. Any form of equity investments has risk, while FD has no investment risk.
Like Medufsaid said in the earlier post, "don't compare FD against equity, esp since we have the once a decade bear market currently. comparing bear market vs FD will make it seem like it's better to stick to FD, but you'll lose out of the remaining 9 years of bull market."

So happens you happened to travel into the current bear winter.
If you had invested during 2017 till 2019, you may see a different light.
Will this bear winter last forever?
Will your returns in FD ever beats the inflation rate?
Do you want to sleep better thinking you will not have investment risk by going for FD?
Your risks, your returns, your choice of peacefulness you seek, your money your decision.....

CAGR (Compound Annual Grwoth Rate) is the yardstick across my various investments.

FD is relatively "safer" than investing equity since one's capital is protected with a fixed return but equity/stocks has more potential to grow over the medium to long term. I would suggest doing an analysis for the broad market like the S&P500 vs FD over a 10, 20 & 30 year period.

Factor in as well if there is dividend given out to be reinvested as well 👏