Inb4 ppl say this one is made up. Check time stamp. Check my timestamp of SA post see who troll.

Do a service by giving accurate answer. If not, don't spread misleading info.

Hello boss ! Nice to see you here as well. Which risk index are you taking ?

I think i have basically answered your question in my earlier post, not sure if you read it or not.



Based on the information provided by Honsiong, Stashaway can and does help to claim back the 30% withholding taxes for ETFs that track securities/treasuries/bonds issued by the U.S. Treasury/Government. As far as I know, this is the only exemption for Msia citizens which have no tax treaty with the US. For ETFs that track equities like SPY/US domiciled SP500, whether you buy directly thru captrader or we hold them thru SA, the 30% withholding taxes cannot be claimed back due to our status as non-resident and non-us citizen aka alien.

So you are right to point out that, in this aspect alone, irish domiciled ETFs with 15% withholding taxes are more cost efficient in the long run.

I do agree with you that the people in this thread can get quite sensitive even when you raise a reasonable question about fees charged by SA. Nevertheless, no one here owes you any due diligence to check their info. If you want a reliable answer then SA customer support is the best choice you got.

This post has been edited by pinan: Mar 7 2019, 08:29 PM

ok case closed. SA don't have withholding tax dividend advantage. Hope everyone benefit.

Thanks bro. No boss here, kuli only.

Based on my answers to the questionairres and age group (I guess), I was given a risk index of 14. I also opened a second portfolio and manually adjusted the risk index to 18.

So I can compare both portfolios in the future.

14 and 18 not much diff I suppose.

Try 36 ? maybe can see the difference better

The given risk index is just a recommendation am i right? U can always raise that to the max instead of creating another portfolio with almost near risk indexes

Eh don’t bait newcomers to YOLO like us leh.

Thanks for the replies. I think you guys are right. Not much difference between risk index 14 and 18.

Maybe I should have 2 different portfolios with risk index 14 and 28-30. Then I can see the difference.

Our brother here is a veteran Investor ! Don't worry ! so I am pretty sure he won't dump everything in it. If higher risk can mitigate by putting less compared to the lower risk index portfolio

36 for adventure 70%
20 for core 30%

This post has been edited by [Ancient]-XinG-: Mar 8 2019, 07:57 AM

jus started my SA 3 weeks back and I also wan trying to do some comparison on return with 2 different port. in my case im having 20% n 12%. sifu here can advise if this will make any difference?



This post has been edited by sohailili: Mar 8 2019, 08:57 AM

The bond portion is higher in 12.

Sorry I am lost.

Are you suggesting Risk Index 36 for 70% of my cash investment in Portfolio A and Risk Index 20 for the balance 20% cash in Portfolio B?

Guess it is time for new investor to go in now as the market dropping lately

You don't have to follow other ppl, they make multiple portfolios to play around only. I also invest mainly in 36, then put a bit in 6.5 just to see what happens.

Maybe their kung fu level is higher. 😃

Our quest to gain knowledge never ends.

Eh sorry. Mistake.

Is 70% in core 20 risk index.
30% in risk index 36.

This should be ok. But fully depend on your risk appetite too.

The percentages and risk index is all up to you

time to put in more money.