so duwan ? =(

but SA 0.8% p.a. wor

Guess reasons to stick with SA is:

1) Dividend and withholding tax claim

You might not be aware that, SA managed to claim back full, ALMOST ~30% of the dividend issued on the ETF we invested
(you might need to grind back this post discussion)

- The DIY way you recommended if I'm not wrong, only can claim back 15% right?

2) DCA friendly 1

We are doing DCA monthly, weekly. Majority here are doing investing with small cap

- I did read on the DIY post of yours, which recomended RM18k Ringgit to 4k Euro as minimum for wire transfer via Instarem to CapTrader German.

I dont have that much frankly 

3) DCA friendly 2

SA is much more DCA friendly I guess, in contrast to your DIY method with hassle process of weekly transfer (and as discussed in 2nd point, we cant't transfer transfer amount like few hundred ain't we?)

Correct me if I'm wrong, the DIY method is more Lump Sum Strategy friendly.

4) Diversify

SA already recommended the combination based on our risk index, we cannot invest in just S&P500, and we don't need to actively manage the portfolio combination.

So indirectly it diversifies the risk as well based on our risk index, we might argue that hoot only on S&P500 could get higher return, instead of SA combination, but it does come with the benefit of lower risk i guess?

Finally, for me, I really don't have the time to actively manage the portfolio, as well managing the hassle of weekly DIY and wire transferring,again the DCA friendliness issue.
Correct me if any info above is wrong, my personal two cents.
Might consider your way if it is arguably much more DCA friendlier than Stashaway, since who don't prefer lower fee  

Guess reasons to stick with SA is:

1) Dividend and withholding tax claim

You might not be aware that, SA managed to claim back full, ALMOST ~30% of the dividend issued on the ETF we invested
(you might need to grind back this post discussion)

- The DIY way you recommended if I'm not wrong, only can claim back 15% right?

2) DCA friendly 1

We are doing DCA monthly, weekly. Majority here are doing investing with small cap

- I did read on the DIY post of yours, which recomended RM18k Ringgit to 4k Euro as minimum for wire transfer via Instarem to CapTrader German.

I dont have that much frankly 

3) DCA friendly 2

SA is much more DCA friendly I guess, in contrast to your DIY method with hassle process of weekly transfer (and as discussed in 2nd point, we cant't transfer transfer amount like few hundred ain't we?)

Correct me if I'm wrong, the DIY method is more Lump Sum Strategy friendly.

4) Diversify

SA already recommended the combination based on our risk index, we cannot invest in just S&P500, and we don't need to actively manage the portfolio combination.

So indirectly it diversifies the risk as well based on our risk index, we might argue that hoot only on S&P500 could get higher return, instead of SA combination, but it does come with the benefit of lower risk i guess?

Finally, for me, I really don't have the time to actively manage the portfolio, as well managing the hassle of weekly DIY and wire transferring,again the DCA friendliness issue.
Correct me if any info above is wrong, my personal two cents.
Might consider your way if it is arguably much more DCA friendlier than Stashaway, since who don't prefer lower fee 

Your point 1 super solid gooding. I go fact check. Haha. How come SA get Malaysian money can get 30% full? Tipu?

If really betul, then 15% diff is around 0.3% yield Beza....hmm....

Agree on SA advantage of being DCA friendly.... Ok ba... I release u ppl...

Haha.... Actually same boat la, just go passive indexing surewin.

Then, if let's say ur nest egg got rm18k above, will u exit SA and go DIY?

Initial 18k only or each trx also need 18k?

Initial and each

Wow.

It's a big NO.

For small player FX also very important.

Entry at 4.2 and 4.08 make a really huge difference.

18k each is like lump sump but not DCA.

Unless you are at k/ income level. That's should be OK.

Monthly DCA 18k. LOL.if quarterly 18k also gg for most Malaysian.

Or u can dca SA first, then once 18k ready then DIY mode. Think longer time fame... Each year eat u 0.07% annual charge only, where to find?

Or u can dca SA first, then once 18k ready then DIY mode. Think longer time fame... Each year eat u 0.07% annual charge only, where to find?

But since SA is only 10% of my total port.

Good idea too. But since SA is only 10% of my total port. I personally don't really bother much haha.
Hmm. But your .07 can't claim back 30% correct?

Instead of encouraging SA users to switch, why not just see them as different products? Which I think they are. They overlap yeah, but I think they are kind of for different users, although also targeting the "mass affluent" group.

Millionaire spotted!

Instead of encouraging SA users to switch, why not just see them as different products? Which I think they are. They overlap yeah, but I think they are kind of for different users, although also targeting the "mass affluent" group.

Millionaire spotted!

Agree. SA still provide value by allowing DCA. Gooding. But long term wise, I cNt justify every year eat 0.8% rain or shine.

SA better because lower entry and scan friendly.

30% claim back.

And AAXJ GLD CWB REITS which I think is a good diversification.

Sp500 alone..... Hmmm..... Not so good.

https://www.stashaway.my/faq/115001834213-d...dends-get-taxed

Based on my comprehension, SA can't claim 30% if u direct hoot SPY or US domiciled SP500