I was at their talk and Q&A at Menara Maxis yesterday.
Not to judge too early but their speakers did not give me enough confidence.

How does everyone feel with their track record so far?
Its a very young company just only started in SG a year plus ago & just only operating officially Oct 2018 in Malaysia

btw, alex want do survey

if there's an instrument allowing you to have exposure to SP500 at the lowest cost of 0.07% per annum, but with sales charge and redemption charge of 0.55% ~ 1 %, would you switch from Stashaway?

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 

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

Initial and each

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?

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.

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?

Anyway just beware of ppl asserting falsehoods in this thread for their own gains.

If you searched the topic with 'withholding' and 'claim', you can see I have posted several screenshots of their e-mail and google sheet tallying with their tax refund before concluding we actually got back all 30% on treasuries and partial refund on CWB.

might need to grind around discussion around these post no.

https://forum.lowyat.net/index.php?showtopi...post&p=91377771
https://forum.lowyat.net/index.php?showtopi...&#entry91377771

Post TS might consider to post all these highlight in the first post and claim servicing fee from StashAway haha

Yea discoverability a bit poor here. Just don't really like people asserting something untrue instead of asking first.

Ok, once got answer, I'll update on my side also. Now i put it on pending first.

I no SA customer. So need wait comrades here help confirm.

RM 1 to be a customer 

dunno also... SA thread should exist to serve both actual and potential customers, and I'm the latter.

Just now say 30% confirm can claim, now 16%, please give the exact answer and not misleading people leh.

Nola, anyone can email or contact them
You can probably even use the whatsapp feature with RM0 in your portfolio haha

i dunno...here's the logic

1) alex come here ask SA why gooding?
2) ppl here explain
3) they say got 30% tax claim back
4) alex eye big, fuiyoh, macam yes, fact check xia
5) then alex say macam no, kena marah (moderator duno go whr)
6) then previously say 30% got, now 16%, and now ask alex go ask SA agent straight
7) i also pening d
8) ok im leaving really, for now. I'll come back SA if got gooding stuff.

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.

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.