Cheaper is of course good

But SA has exposure to other instruments as well. Unless you mean you can intro us to cover just about any other ETFs, then good lah.

I did bring up about the 0.8% being a little costly. I suggested that they should have more "value added" services.

And to be fair, I guess the argument here is about passive (BYO) vs active (SA) portfolios.

I actually think SA will yield more return bcoz they reinvest dividend as soon as they got them. Closing the loop tight helps us stay in the market as much as we could.

Yeah i agree with you. I still got foreign shares in HleBroking. Then moved to FSM SG(Bought far few ETFs which listed in HKEX). Looked through some other brokers such as IB and 8 Securities but FSM SG gave me a little peace of mind. Will definitely try CapTrader next time, maybe when FSM Sg charges a platform fee for stocks. but for now i don't really mind paying a little more . Already using Instarem as well to fund FSM SG so i got my work cut out for me when i open CapTradder

StashAway does really make it easy. I know in the long run we could be saving much more on costs, but i feel that it is really convenient. SA is targeted for the mass consumer, invest and forget.

Good job on sharing DIY method though. Took me quite abit of research and asking around to open FSM SG and a bank account there.

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  

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

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.

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!

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.

WTF are you talking about? Many pages ago I did post about stashaway's broker saxo actually claiming all 30% back on treasuries, except CWB, albeit with a delay.

BTW I have the Bogleheads book and I read it, we've been agreeing that StashAway offers better diversity at lower min buy in, and quick auto div reinvestment for most of us ikan bilis in Malaysia. What's with the constant attacks in this thread trying to get us put a substantial amount in something we do not have easy access to, or when shit hits the fan, we don't have home ground advantage to get legal help? What vested interest do you have in us hooting ur SPY directly, why not buy VTSAX/VTWAX?

Keen to see your reply soon!