In May 2026 I decided to start an experimental unit trust portfolio on POEMS focused exclusively on Amundi Unit Trusts with the following target allocation:
- 40% MSCI World
- 20% Prime USA
- 20% Emerging Markets
This is a 2 month update. I have been steadily adding to it. As the market has been going up, the means that the average buying price of these funds has gone up and the percentage return has gone down.
On the bright side, the absolute $ profit has doubled from $1.6k to $3.6k.
This shows that while a high % return looks good, the actual $ profit is also important. Previously, I like to buy after a crash, but when the market started improving, I was reluctant to buy because this meant that I am buying for higher and higher prices. That was the wrong way to think about investing. As long as you are confident that the market is going up, continuing to buy is always good as that maximises your $ return even though your % return looks lower.
This is subject to the usual portfolio construction rules like asset allocation percentages and concentration limits.
May 2026 post: https://buyaftercrash.blogspot.com/2026/05/experimental-unit-trust-portfolio.html
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