Mine increased for the 12th.

cool...mine so far since the day i started on nov 30th 2018, giving me 4.3% YTD returns (not bad for less than 3 months) in USD terms...

I wonder how they calculate the time rated total returns

I wonder how they calculate the time rated total returns

yea. I wish they had table like FSM does.

I don't know how much the price when I buy etc etc. How much I really gain etc

The Fees that you are required to pay to StashAway Malaysia for the Service is specified in the Fee Schedule at www.stashaway.my/pricing. The Fees include all liabilities, costs and expenses that StashAway Malaysia incurs under this Agreement. The Fees are not fixed and may be amended every now and then.
When you are making any form of payment to us, you are required to pay for any goods and services tax, value-added tax or any other tax that are similar in nature that is chargeable by law. If we are required by law to collect and make payment for such tax, you must reimburse us for any such payments incurred.
We may deduct the full amount of any Fees payable by you from your Account. In order to deduct the amount or monies due to us, we may withdraw and collect uninvested cash in your Account and/or sell your Assets and collect the proceeds from such sale.

Does anyone have information of how we are going to pay fees to Stashaway or have asked them about it before?

I have read their Account Opening Document and it only states the following:-
Seems like it is important to figure out the following:-

1. Would Stashaway issue a invoice for us to pay them with fresh funds or would they automatically deduct their fees from our invested sum either from cash available or by selling our securities? And would they provide any details for us to verify the correctness of such deducted amount?

2. How do they compute the amount of fees to be charged on the invested sums and based on what time frame? Would it be based on the total amount invested one year from the time of the first deposit? Based on the time of each deposit and charged separately? Or charged at the end of the accounting year regardless of when we started investing and prorated accordingly?

3. The referral program states that we would "get up to RM30,000 managed for free for 6 months", how do they compute the 6 months?

Have sent the above queries to their Whatsapp support and will report back once I get a reply.

In the meantime would appreciate any additional info from you guys too.

Hmm, I can see "P&L since inception", I guess that sort of counts for something?

That's is not enough... A buy average cost. Current price, amount gain, amount lost, we need number. Not percentage.

But just 3 months old... Is ok.... Huge room to improve.

Agreed, more details would be good!

That's is not enough... A buy average cost. Current price, amount gain, amount lost, we need number. Not percentage.

But just 3 months old... Is ok.... Huge room to improve.

They keep 1% of your portfolio worth in cash (USD), then they deduct the 0.8% p.a. fee there every month.

The specific details are not that important, I just assume they calculate the daily balance, then average out the daily closing balance to calculate fee to charge.

Thanks for writing in.

To clarify on the fees we charge:

1) Management Fees
Our management fee is charged monthly, on a pro rata basis, on the average Assets under Management (AUM) of that month. Kindly note that the average AUM also includes any returns made on the portfolio.

This fee includes the cost of executing the ETF transactions, rebalancing your portfolio and changing your asset mix when economic conditions change (re-optimization). There is no additional brokerage/ transaction fee or any other fee.

Click (https://www.stashaway.my/pricing) for our pricing structure (0.2%-0.8% per annum)

2) ETFs Charge
ETFs charge, on average, an expense ratio of 0.15%-0.25%. This is charged over the course of the year in the form of adjustments to the Net Asset Value and it is not an actual cash flow borne by you. It is offset by the EFT funds before distributing the returns back to you. This expense ratio is incurred regardless of what platform you use to purchase ETFs.

3) 0.1% Currency Conversion Fee
Our broker, Saxo, charges a currency conversion fee at 0.1% of the transaction amount if you invest in a non-USD currency (MYR).

This preferential rate compares favorably against the significantly higher currency conversion fees charged by commercial and retail banks (easily between 0.30% and 0.70% depending on transaction amount).

Thanks for the information, it is most helpful. I am concerned about the exact amount of fees charged by Stashaway due to the impact it may have over long term compounding.

Sharing the reply I got from Stashaway's Whatsapp support:-

I think if you get a referral from anyone here, you will get 6 months free.