The Disruptors Bulletin 2021 Q1

As we move into 2021, coronavirus vaccines have started to be given out, mainly in the richer, developed countries. It will take time for the majority of the population to be vaccinated, perhaps taking a large part of the year, and mostly in developed countries. In the meantime, it may be a difficult first few months in winter due to the rising infections in many countries and new lockdowns may be forthcoming. Nevertheless, despite the rising infections, investors have become more optimistic on the markets in view of the eventual economic recovery when the vaccines work to stop the spread. While the pandemic remains the main focus in 2021, other issues likely to come into view include changes in US economic and geopolitical policies under President Biden, the relationship between US and China and the impact on the rest of the world.

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Comparing the TER cost for 20 years

Here’s the difference a low cost advantage makes to cost savings

  • 1.0%
    p.a.
  • 1.5%
    p.a.
  • 2.0%
    p.a.

Here's how much you pay

$190,272.13
Selected TER 1.00% p.a.

$99,912.57
LionGlobal All Seasons Fund 0.5% p.a.

By investing a fund with low TER

You may save $90,359.56 over 20 years based on an initial investment of $1,000,000 compared with a TER of 0.5% p.a.

It is enough to provide for a monthly expenditure of $3,000 over the next 2 years and 6 months.

Here's how much you pay

$271,950.61
Selected TER 1.50% p.a.

$99,912.57
LionGlobal All Seasons Fund 0.5% p.a.

By investing a fund with low TER

You may save $172,038.04 over 20 years based on an initial investment of $1,000,000 compared with a TER of 0.5% p.a.

It is enough to provide for a monthly expenditure of $3,000 over the next 4 years and 9 months.

Here's how much you pay

$345,744.19
Selected TER 2.00% p.a.

$99,912.57
LionGlobal All Seasons Fund 0.5% p.a.

By investing a fund with low TER

You may save $ 245,831.62 over 20 years based on an initial investment of $1,000,000 compared with a TER of 0.5% p.a.

It is enough to provide for a monthly expenditure of $3,000 over the next 6 years and 9 months.

TER (Total Expense Ratio) is the sum of various identified operating expenses charged on an ongoing basis to the fund’s assets as a percentage of the fund’s average net asset value calculated over a 12-month period at the close of the annual and semi-annual financial statements of the fund for all the p.a. tabs (1.0%, 1.5%, 2.0%).

The above scenarios are for illustration purpose only. Past performance, as well as any prediction, projection or forecast on the economy, securities market or the economic trends of the markets are not necessarily indicative of the future or likely performance of the funds. Calculations based purely on costs with no market movement or investment returns.