sharing u some article info

StashAway: Responses from the CEO and my thoughts

he Weekly Horse: Review of StashAway’s new “High Risk” Portfolio

i assume for the 0.8 tier

the total fee would be

0.8% p.a.
+
0.15% - 0.25% p.a. (low fee associated with the ETF)
+
0.1% FX rate

TOTAL = 1.05 ~ 1.15% pa

What are the fees associated with StashAway?

not sure if the calculation is correct for everytime deposit 0.1% in yearly basis, correct me if my math is wrong

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

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

surprisingly i thought second robo license would be granted to AutoWealth or Smartly from SG

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

These few days started realized 36% can be quite volatile

was enjoying the recovery since late december and getting 10%+ return rate

these few days dropped to 6%+

oh just realized received dividend from CWB again, thou only 0.15USD XD