In January 2018 before the start of the frequent volatility, what was your return?

In short, what was your best return so far?

Of course, it's meant for long term. But I want to compare its past performance with the unit trust.

From last year until January this year, it was a bull run in the share market. So, you should normally have a high return before it turn sideways when the volality started. That's why I asked if you know what was your return at January which should have been your best return on paper (roughly the at the peak of bull run).

For me, the problem of Stashaway is I don't know risk-rewards factor. Despite the fact that the past performance of a fund should not be an indicator of its future performance, it shows the capability of the robo in facing the bull market and high volatility situation.

Besides that, there are 32 Stashaway Risk Index but we don't really the potential of each risk index. In the app, Stashaway shows me a simulated graph which keeps increasing which in reality has its ups and downs.

It's ok. I have contacted StashAway for more info and received a reply from them. So, i would like to share it with everyone here.

Expected Returns (based on historical data)

Core Portfolios:
StashAway Risk Index 6.5% - 8%, our projected returns are 5.0% - 5.6%
StashAway Risk Index 8.5% - 10%, our projected returns are 5.7% - 6.2%.
StashAway Risk Index 10.5% - 12%, our projected returns are 6.4% - 6.6%.
StashAway Risk Index 12.5% - 14%, our projected returns are 6.7% - 7.0%.
StashAway Risk Index 14.5% - 16%, our projected returns are 7.2% - 7.4%.
StashAway Risk Index 16.5% - 18%, our projected returns are 7.7% - 8.0%.
StashAway Risk Index 18.5% - 20%, our projected returns are 8.1% - 8.4%.

Higher-Risk Portfolios:
StashAway Risk Index 26% - 36%, our projected returns are 8.5% - 9.3%.


Please note that these projections are based on historical monthly data (from January 1982 to December 2017). We do not endorse that historical returns are reflective of the future. As economic cycles change, returns could be higher or lower than these long-term projections.


Actual returns (July 2017 - July 2018)

Here are 7 anchor portfolios to illustrate the range of risk and returns we earned in the last year. The following chart shows gross returns in SGD of these portfolios, ranked by risk (low to high), compared to the returns of their respective risk-based benchmarks.



Our portfolios have yielded between 4.3% and 6.6% gross returns in SGD over the last year, characterised by a very positive market for the first 7 months (July 2017 to January 2018) and a more turbulent one for the subsequent 5 months (February 2018 - July 2018).

All of StashAway’s 28 portfolios (excl higher risk portfolios) have outperformed their same-risk benchmark. In the same time frame, an investment in the Straits Times Index (STI) would have yielded only 0.8% positive returns. Note that the risk of the STI is approximately 2x the risk of P28 over the last 10 years.



Previously, we have named our portfolios 1 to 28 as P1 to P28. However, we've introduced "StashAway Risk Index" and the portfolios have since been renamed.

Previous Model:

I am curious. ETF are fund that follows indexes. Many people predict economic slowdown for 2019 while some even say that recession might arrive at end of 2019 or 2020.

So, is it better to keep the money in ANSB, FD & money market for now?

You can check it on the desktop version

This post has been edited by Gabriel03: Dec 28 2018, 09:34 PM

Well, most likely it will continue to be in the red for quite a while if recession happens.

Deleted

This post has been edited by Gabriel03: Dec 30 2018, 01:10 PM

I don't think so. At 10% since Nov, at all times, the bonds are profitable while ETF is negative. Currently in USD, my portfolio is giving profit thanks to the bonds but currency exchange makes it a loss.

Both ASB & ASB2 are not 100% syariah compliant too. Haha

This post has been edited by Gabriel03: Feb 4 2019, 02:02 PM

I had the same question like you and contact the customer service for more info since Stashaway don't show its yearly return for each risk index. Please bare in mind, I just copied and pasted their reply to my mail. It's probable that the info might be outdated.

This post has been edited by Gabriel03: Mar 4 2019, 01:26 PM

If you talking about the return in your stashaway app. It has already included the conversion fee into USD.

For annual fee, it'll be deducted monthly. So, you will notice a bit loss of ROI at the end of each month.

However, when you choose to sell, you will be charged for the conversion fee to MYR. This fee will be only shown in the end of the sale.

For the projected return stated in my previous post, I didn't ask Stashaway about it but I think that it's gross as the annual management fee varies according investment amount.

I started investing in Stashaway since end of Nov 18. At that time, I know that the annual management fee varies according to invested amount, similar to Stashaway SG.

If they charged previously based on risk rating as stated by Ancient-XinG, it was before I started investing.

Nevertheless, the mail regarding the projected returns according to risk rating was done in Dec 18 when the annual management fee varies according to the invested amount.

This post has been edited by Gabriel03: Mar 4 2019, 04:36 PM

Have to add additional 0.1% of currency conversion charge when you sell the investment.

So, TOTAL = 0.95 - 1.05 % per annum + 0.2% of investment amount

This post has been edited by Gabriel03: Mar 4 2019, 06:38 PM