My 5th article about scalablecapital, in total I have been with Scalable for a little over 3 years now and keep comparing with the results of my financial advisor. After he had always won in recent years, something is now changing in the field. First of all, let’s look at the data, here’s the time-weighted return:
| Portfolio | 2017 | 2018 | 2019 |
|---|---|---|---|
| SC 10% VaR | 4,4% | 3,92% | 11.67% |
| SC 20% VaR | – | 3,7% | 6,02% |
| Financial adviser | 7,81% | 10,36% | 9,66% |
My financial advisor had made a reallocation, Scalable Capital does this more often. Unfortunately, I can’t show a nice screenshot of it because the SC app still prohibits it. It’s a pity, actually.
However, the comparison between SC and the investment advisor is a little misleading, as I deposit some money with SC every month, but not with my advisor until the end of 2019. But, this should not have a very big influence.
Overall, I am very satisfied with the development of Scalable Capital, also with the decision to create two portfolios with different VaR. But I will continue to entrust the sum to my financial advisors, because after all, 3 years is not a long time for an investment.
You can sign up via this link, supposedly there will be a bonus for you and for me
Comments (since February 2020 the comment function has been removed from my blog):
Markus
- September 2019 at 10:43 I’ve only recently joined Scalable Customer. I find your long-term observations all the more interesting. In my opinion, your regular deposit does not play a role in the return. At least if you read the % value that is above “Time-weighted”. Put simply, this shows what has become of the first euro invested. Independent of deposits or withdrawals. (for the total return, the times of deposits and withdrawals are of course relevant)