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> StashAway MY, New instrument for Malaysian?

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honsiong
post Oct 3 2018, 10:03 AM

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QUOTE(2387581 @ Oct 2 2018, 10:40 PM)
how many ETFs are there in Malaysia to invest in? I believe it is to invest in the US ETF
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Stashaway General Investing 18% overview:

user posted image

Stashaway General 20% detailed:

user posted image


This post has been edited by honsiong: Oct 3 2018, 10:27 AM
honsiong
post Oct 3 2018, 11:24 AM

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QUOTE(Ancient-XinG- @ Oct 3 2018, 11:19 AM)
can share return so far?
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USD return wise: Floating between 0% - 2% after 1 year with maximum risk (level 16 in old system for 11 months, 20% in new risk level system)

If count in SGD the return is 3% - 4% bcoz SGD has depreciated.

Basically it hasn't been stellar for me, I use it mainly as EPF/CPF substitute.

This post has been edited by honsiong: Oct 3 2018, 11:24 AM
honsiong
post Oct 3 2018, 11:30 AM

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BTW they never invest in any local securities (Singapore ETF is underperforming for loooooong time), so I predict when they launch in Malaysia and you deposit MYR, you are going to get the same portfolio as Singapore Stashaway.

Also becareful when Singapore robo-advisors brag about their high return, look for the USD return % not SGD. It looks real good when SGD has recently weakened against USD.
honsiong
post Oct 3 2018, 11:52 AM

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QUOTE(ehwee @ Oct 3 2018, 11:50 AM)
Thanks for the information, looks like still a long waits we have.
If counted in MYR then the returns will be lesser than 2%, as ringgit is depreciated against usd?
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If MYR weakens then your return in local currency should be higher. In a way you can use it to hedge against MYR.
honsiong
post Oct 22 2018, 09:47 PM

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QUOTE(Ramjade @ Oct 22 2018, 06:55 PM)
You do know is not UT but robo which invest in ETF right? Not Malaysian ETF but US ETF . You do know that right?
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US ETF that cover different parts of the world except Africa. There are very tiny bits of Malaysia and Singapore inside AAXJ.
honsiong
post Oct 23 2018, 11:50 AM

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QUOTE(fairylord @ Oct 23 2018, 11:46 AM)
Update on Forward Testing of Portfolio Stashaway (-ve) and Smartly (-ve) - SG.
Excerpt from HWZ.

» Click to show Spoiler - click again to hide... «


The MY Stashaway Portfolio most likely to be same as SG side. Any idea?
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I think so yes.
honsiong
post Oct 23 2018, 01:52 PM

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QUOTE(Ancient-XinG- @ Oct 23 2018, 01:22 PM)
Whats your take on this? The latest port they still very heavy on EQ.

No one seems stopping. This is worrying.
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You don’t want that much you can dial down to lowest risk, which puts like 60-70% bonds in your portfolio.
honsiong
post Oct 23 2018, 03:04 PM

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QUOTE(Ancient-XinG- @ Oct 23 2018, 02:20 PM)
yea... you have that port performance?

so far no news in Malaysia yet. fuhh.

I think they wait the market to react. if they start now. those no financial savvy will wait look on number without thinking. sure kena burn hand. then blame SA.
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Just DCA $100 every week all the way, don’t panic then keep tweaking risk level.
honsiong
post Oct 23 2018, 03:57 PM

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QUOTE(Ancient-XinG- @ Oct 23 2018, 03:24 PM)
the fee is calculated based on accumulated amount year end of entry fee each time?
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Average daily AUM and charged every first week of next month.
honsiong
post Oct 30 2018, 09:21 PM

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Yeap -12% since July 2017 already on risk level 36%. Just stick to weekly $100 deposit plan.
honsiong
post Nov 1 2018, 07:45 AM

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QUOTE(Ancient-XinG- @ Nov 1 2018, 07:35 AM)
I didn't receive any mails yet.....

stable or not
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I stand corrected, they didn’t launch yet, just their signup from app.stashaway.my is active.

Edit: Do not PM me. Ask your questions in this thread so others get help too.

This post has been edited by honsiong: Nov 1 2018, 08:40 AM
honsiong
post Nov 1 2018, 08:43 AM

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Screenshots for Malaysia: https://imgur.com/a/kjf5RTP
honsiong
post Nov 1 2018, 09:11 AM

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QUOTE(Ancient-XinG- @ Nov 1 2018, 09:08 AM)
waaa got people start Pm you already?

btw. I want to know more about the 36% thing. how is it measured?

and is it forced to have weekly commitment? and done via standing instructions or we deposit?
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99% chance of not losing more than 36% in any given 1 year period.

No, you can suka suka deposit whatever you want or nothing, for me I just set standing instructions to deposit weekly coz I find it fun. But when money is tight you can just stop depositing.

BTW your questions can be found answered in their FAQ.
honsiong
post Nov 1 2018, 09:20 AM

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QUOTE(Ancient-XinG- @ Nov 1 2018, 09:18 AM)
owh..... that's good. the higher the higher risk and return?

I can't wait them to arrive.... since you mentioned the investment region is exactly the same as SG.. meaning US ETF?
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See my screenshots: yes.

You can already sign up at app.stashaway.my, top right corner.
honsiong
post Nov 1 2018, 12:22 PM

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user posted image

K money is in. Kena wait until afternoon/evening to see the securities they gonna buy.

For Malaysia I set the lowest risk just to fool around.
honsiong
post Nov 1 2018, 01:03 PM

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QUOTE(Ancient-XinG- @ Nov 1 2018, 12:53 PM)
based on your ss in earlier post.

seems like the transfer of money looks so ancient style..... it's not FPX....
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IIRC FPX you cant set standing instructions.

Also HelloGold uses FPX and costs like RM1 for every transfer.
honsiong
post Nov 1 2018, 01:12 PM

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QUOTE(Ancient-XinG- @ Nov 1 2018, 01:09 PM)
so how's the transfer process yea. I yet to try out.
is it like we sent them money, sent them receipt, and waitnfor them to respond?

I waiting them to officialize. maybe got promo
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No, you put your code inside transaction reference, then they auto process it.

No need manual transfers, thats why can set standing instructions to send weekly/monthly.
honsiong
post Nov 2 2018, 09:02 AM

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QUOTE(SwarmTroll @ Nov 1 2018, 11:49 PM)
Wait, is Stashaway already live to use if you sign up?
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Yeap! Waiting for them to buy securities now.
honsiong
post Nov 2 2018, 09:49 AM

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QUOTE(tweakity @ Nov 2 2018, 09:37 AM)
i've been wondering, do their robo-advisor do short trades? i looked around the Sg site i did not anything on this
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Fuck no. I have attended their talk near my office in Ayer Rajah before, both founders came off as pretty risk averse people.
honsiong
post Nov 2 2018, 11:10 AM

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QUOTE(deadravel @ Nov 2 2018, 11:04 AM)
wow nice stashaway. first robo advisor in malaysia.  thumbup.gif
read thru few of the reviews online (singapore stashaway), blur how they do the allocation of funds.
anyway gonna give it a try first to test water

some sos for read 1 2
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At the simplest level, I think it's about act of balancing having securities of different natures in different regions.

CODE

|                   | US    | EU    | Asia | others |
|-------------------|-------|-------|------|--------|
| Growth (equities) | SPY   | STOXX | AAXJ |        |
| Protective        | Bonds |       |      | GLD    |
|                   |       |       |      |        |


They don't pick individual stocks, they don't go and short things. But yea kena read their CIO insights to know more.

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