Stronger Than Yesterday

By Benedict Yap, CFA
Head, Environmental, Social and Governance (ESG)

And so the second quarter of 2020 has passed us by and what a quarter it has been. In the equity markets, what began as a cliff-like drop has since been followed by such a rebound that many are now debating on the appropriate alphabet to use in describing the recovery over the last three months. Such gyrations notwithstanding, we continued to observe the presence of underlying ESG currents in the everyday, be they in policymaking, rising social tensions, or even the latest fintech scandal in Germany. We share some perspectives on these fronts, and along the way, also come to see that there can never be too much time or effort expanded if a truly desired outcome is to be achieved. 


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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.