Investing Is Not Speculating
SqSave's algorithm is built for one horizon: a year or more. That's where risk-managed, diversified allocation earns its keep — not in any single week or month. Anyone judging performance on a monthly view is measuring the wrong thing. Below is the full picture, including the one month that didn't cooperate, alongside the horizon that actually matters.
SqSave Reference Portfolio Returns by Risk Class
| Portfolio1 | Jun-26 | May-26 | Apr-26 | 3 Mth | 2026 YTD | 1 Yr | 3 Yr Cumulative |
|---|---|---|---|---|---|---|---|
| Conservative | -2.6% | 3.6% | 5.1% | 6.1% | 4.9% | 16.4% | 37.5% |
| Balanced | 0.3% | 5.3% | 6.7% | 12.8% | 10.2% | 24.0% | 51.3% |
| Growth | -3.5% | 5.3% | 7.0% | 8.7% | 5.3% | 18.4% | 39.5% |
| Aggressive | -2.6% | 6.9% | 9.4% | 13.9% | 9.2% | 24.2% | 49.2% |
| Very Aggressive | -2.0% | 7.0% | 9.4% | 14.7% | 9.1% | 21.9% | 49.6% |
Calendar Year Track Record
| Portfolio1 | 2023 | 2024 | 2025 | 2026 YTD (Jun) |
|---|---|---|---|---|
| Conservative | 12.9% | 14.7% | 10.4% | 4.9% |
| Balanced | 20.2% | 14.4% | 14.5% | 10.2% |
| Growth | 9.7% | 16.1% | 14.3% | 5.3% |
| Aggressive | 14.1% | 15.2% | 15.6% | 9.2% |
| Very Aggressive | 14.9% | 17.4% | 14.1% | 9.1% |
What Happened in June
Every SqSave portfolio except Balanced posted a negative June return, in a month where broad markets were flat to positive. The driver was concentrated and identifiable: gold and silver holdings pulled back sharply across the month, and as commodity allocations within a diversified portfolio, they were the single largest detractor across every risk class — outweighing positive contributions from equity names like QQQ and XLK several times over.
This is precisely the kind of month a one-year-plus horizon is designed to absorb. A diversified portfolio will have losing components in any given month; the design intent is that they don't all lose at once, and over a full year, gains from the parts that are working outweigh short-term drag from the parts that aren't. June was a reminder of the "designed to absorb" part, not a deviation from it.
The Bottom Line
SqSave's algorithm was built to manage risk and compound returns over a full market cycle — not to be refreshed daily. Judged on the timeframe it was designed for, every portfolio remains solidly positive over the trailing year and three years, with Conservative and Balanced ahead of their own benchmarks on both counts. Short-term months like June are the cost of staying diversified — not a reason to abandon the horizon that makes diversification pay off in the first place.
Start Your SqSave Portfolio Today
All risk levels. All profitable. Your algorithm-powered portfolio is waiting.
Create LoginSincerely,
SqSave Investment Team
Important Disclaimer & Sources
The contents herein are intended for informational purposes only and do not constitute an offer to sell or the solicitation of any offer to buy or sell any securities to any person in any jurisdiction. No reliance should be placed on the information or opinions herein or accuracy or completeness, for any purpose whatsoever. No representation, warranty or undertaking, express or implied, is given as to the information or opinions herein or accuracy or completeness, and no liability is accepted as to the foregoing. Past performance is not necessarily indicative of future results. All investments carry risk and all investment decisions of an individual remain the responsibility of that individual. All investors are advised to fully understand all risks associated with any kind of investing they choose to do. We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown.
Footnote:
1. SqSave uses AI to design and manage diversified investment portfolios for each investor. Because SqSave is not an investment fund, there is no single return measure. Instead, every SqSave investor has his/her own investment performance as each investor is managed separately by our SqSave AI. As investors can withdraw and top-up any time, investment returns will be affected by individual investor decisions. Hence, SqSave uses reference portfolios which are actual portfolios managed on an ongoing basis, without any interference with withdrawals or top-ups, to measure investment performance. All return figures are time-weighted returns net of applicable fees, as of 30 June 2026, and are subject to change upon final reconciliation. SqSave is operated by Pivot Fintech Pte. Ltd. (MAS CMS Licence No. 100806).
