Hey guys, just curious. What are your risk index? I am currently at 13.5% but thinking if I should dial it up to 20%, considering that dividends from US bonds are subject to 30% withholding tax..
Feedback welcome. Thanks.

True, they claim back a portion, but its super slow and delayed. Thanks for your feedback. I also have another question, upon adjusting the risk index, how soon does it take effect?

Now can contact Stashaway through Whatsapp.

still cannot recoup the loss.
still in negative territory.

any idea can weekly deposit for MBB?

honsiong

Here is what I understand about the amount of tax refund from your screenshot. So, kindly correct my misunderstanding, if there is any.
Dividend Withholding Tax = 30% of the Dividend

Refund Amount from Dividend Withholding Tax = 46% of Dividend Withholding Tax
Refund Amount from Dividend Withholding Tax = 46% x 30% of the dividend = 13.8% of the dividend

Thus,

Unfunded Amount from Dividend Withholding Tax
= (100% - 46%) from Dividend Withholding Tax x 30% of the dividend = 54% x 30% of the dividend
= 16.2% of the dividend

In other words, StashAway and their broker Saxo are unable to assist in claiming back the remaining Dividend Withholding Tax (= 16.2% of the dividend), from the US tax authorities, since we Malaysians are not US tax resident.

So, we have to accept that 16.2% of the dividend is lost, and we have to reduce our dividend yield of our investment in StashAway accordingly.
Thank you for your clarification. 

hi pals wanna enquire, for the wildholding tax refund, they will do it spontaneously?

or we need to request somewhere on the platform?

honsiong

Here is what I understand about the amount of tax refund from your screenshot. So, kindly correct my misunderstanding, if there is any.
Dividend Withholding Tax = 30% of the Dividend

Refund Amount from Dividend Withholding Tax = 46% of Dividend Withholding Tax
Refund Amount from Dividend Withholding Tax = 46% x 30% of the dividend = 13.8% of the dividend

Thus,

Unrefunded Amount from Dividend Withholding Tax
= (100% - 46%) from Dividend Withholding Tax x 30% of the dividend = 54% x 30% of the dividend
= 16.2% of the dividend

In other words, StashAway and their broker Saxo are unable to assist in claiming back the remaining Dividend Withholding Tax (= 16.2% of the dividend), from the US tax authorities, since we Malaysians are not US tax resident.

So, we have to accept that 16.2% of the dividend is lost, and we have to reduce our dividend yield of our investment in StashAway accordingly.
Thank you for your clarification. 

I re read and re read. I still don't understand the tax part.

so conclusion, are we very obvious at the losing part due to the tax?

or the claimant amount negligible?

16% seems a lot.

and the dividend etf with withholding tax... what's the point of dividend etf? isn't it useless??

Ok, honsiong, thanks for compiling the information, for the sake of comparison. 

Your previous post said that StashAway credits refund amount from dividend withholding tax into your account in October, for the investment performed in the preceding year.
For each gov bond, was the crediting of the refund amount done in a single transaction, or multiple transactions?
Maybe, for your case, StashAway refunded 46% of Dividend Withholding Tax in the first transaction, and then credited the remaining 54% in the second transactions. Both crediting transactions were performed in October this year.
Your screenshot of your Google sheet shows that StashAway managed to refund almost all Dividend Withholding Tax (= 30% of the Dividend) automatically, and that is good.
Maybe, you just remind StashAway to refund the remaining Dividend Withholding Tax for CWB (30% - 7.09% = 20.91%), as it is rightfully your money. With that final refund, you are all good.

Yes long run better to choose 36% as it give more return

just a reminder, becareful with fees and charges, dca too often may not be a good idea, dca can eat up your profit sometimes

Today already 1-1-2019, why the DEC 2018 statement is not there yet?

Why time the market if you believed in Stash Away or ETF investment as your choice?

JL Collins says: "Time in the market is better than time the market", "Best day to invest was yesterday, second best day is today"

Happy New Year

really hope this SA stay strong and always there,  haha

since right now SA is my only one investment channel, other i not dare to touch since market not good and volatile.

BTW on SA, if i create multiple portfolio, let say portfolio A, and portfolio B
there is no ways for me to decide for let say i only want monly deposit 800 to A, but want to montly deposit 1000 to B?

the deposit will be auto split to half for both portfolio?

Not sure what the purpose of 1 time off investment vs monthly investment

how the average calculation works?  :confused:

hey asking a noobie question here

By saying buying ETF is safer than buying stock
since ETF wont outperform underlying stock
buy might underperform

If there is a crisis of stock market crash/ disaster
the impact would be much lower than normal stock also?

normal stock like buying apple or facebook etc.

newbie to investment, hope u guys dont mind 

-0.5 MYR
+0.8 USD

I see that risk of 30% and above has no fixed income (bonds) in it.

Wait so the withholding tax doesnt impact dividends then? As in already taxed in corp level?