I read few more sources and concluded that DCA is most secured way.

LUMP SUMP strategy very dependent on on the price movement pattern
LUMP SUMP might be good on SPY ETF as SPY price chart pattern is constantly growing

but said Nikkei 225 Index chart movement, then there is a risk of lump sump strategy is purchased at a high price.

Guess i will stick with DCA
Mostly here DCA weekly? anyone DCA monthly?

What's the expected return for etf?

I have the choice of either putting more money into my ASNB (6% returns a year) or do something else with it.

What's the expected return for etf?

I have the choice of either putting more money into my ASNB (6% returns a year) or do something else with it.

It's ok. I have contacted StashAway for more info and received a reply from them. So, i would like to share it with everyone here.

Expected Returns (based on historical data)

Core Portfolios:
StashAway Risk Index 6.5% - 8%, our projected returns are 5.0% - 5.6%
StashAway Risk Index 8.5% - 10%, our projected returns are 5.7% - 6.2%.
StashAway Risk Index 10.5% - 12%, our projected returns are 6.4% - 6.6%.
StashAway Risk Index 12.5% - 14%, our projected returns are 6.7% - 7.0%.
StashAway Risk Index 14.5% - 16%, our projected returns are 7.2% - 7.4%.
StashAway Risk Index 16.5% - 18%, our projected returns are 7.7% - 8.0%.
StashAway Risk Index 18.5% - 20%, our projected returns are 8.1% - 8.4%.

Higher-Risk Portfolios:
StashAway Risk Index 26% - 36%, our projected returns are 8.5% - 9.3%.
Please note that these projections are based on historical monthly data (from January 1982 to December 2017). We do not endorse that historical returns are reflective of the future. As economic cycles change, returns could be higher or lower than these long-term projections.


Actual returns (July 2017 - July 2018)

Here are 7 anchor portfolios to illustrate the range of risk and returns we earned in the last year. The following chart shows gross returns in SGD of these portfolios, ranked by risk (low to high), compared to the returns of their respective risk-based benchmarks.



Our portfolios have yielded between 4.3% and 6.6% gross returns in SGD over the last year, characterised by a very positive market for the first 7 months (July 2017 to January 2018) and a more turbulent one for the subsequent 5 months (February 2018 - July 2018).

All of StashAway’s 28 portfolios (excl higher risk portfolios) have outperformed their same-risk benchmark. In the same time frame, an investment in the Straits Times Index (STI) would have yielded only 0.8% positive returns. Note that the risk of the STI is approximately 2x the risk of P28 over the last 10 years.

Previously, we have named our portfolios 1 to 28 as P1 to P28. However, we've introduced "StashAway Risk Index" and the portfolios have since been renamed.

Previous Model:

this return thingy is before fee or after fee?

After.

this return thingy is before fee or after fee?

For the projected return stated in my previous post, I didn't ask Stashaway about it but I think that it's gross as the annual management fee varies according investment amount.

I thought the management fee is 0.8% AUM p/a or something like that?

so need to deduct 0.8% across the board from the advertised 4-6% return?

I THINK if it is gross, then yeah.

I thought the management fee is 0.8% AUM p/a or something like that?

https://www.stashaway.my/pricing

Not sure if you opt for a lower risk index the management fee will be lower. If its 0.8% off the board, best stick with an index which aims for higher returns.

0.8% for a low risk low return profile will eat quite a high percentage of your profits(if any)

Hmm oh you are right, it IS variable.

Yay, that is actually good news 

I think they change it.

Last November it was across the risk index.

I think they change it.

Last November it was across the risk index.

ok I is confused now.

I thought it always was same across the risk index, but the only variable part is the invested amount?

ok I is confused now.

I thought it always was same across the risk index, but the only variable part is the invested amount?

I started investing in Stashaway since end of Nov 18. At that time, I know that the annual management fee varies according to invested amount, similar to Stashaway SG.

If they charged previously based on risk rating as stated by Ancient-XinG, it was before I started investing.

Nevertheless, the mail regarding the projected returns according to risk rating was done in Dec 18 when the annual management fee varies according to the invested amount.

Aduhh.

Sorry sorry.

I myself also konpius.

**Nothing change in fees structure since they landed Malaysia.**