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StashAway MY, New instrument for Malaysian?

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honsiong	Oct 3 2018, 10:03 AM Return to original view \| Post #1
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	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 Stashaway General Investing 18% overview: Stashaway General 20% detailed: This post has been edited by honsiong: Oct 3 2018, 10:27 AM
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honsiong	Oct 3 2018, 11:24 AM Return to original view \| Post #2
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	QUOTE(Ancient-XinG- @ Oct 3 2018, 11:19 AM) can share return so far? 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
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honsiong	Oct 3 2018, 11:30 AM Return to original view \| Post #3
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	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.
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honsiong	Oct 3 2018, 11:52 AM Return to original view \| Post #4
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	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? If MYR weakens then your return in local currency should be higher. In a way you can use it to hedge against MYR.
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honsiong	Oct 22 2018, 09:47 PM Return to original view \| Post #5
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	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? US ETF that cover different parts of the world except Africa. There are very tiny bits of Malaysia and Singapore inside AAXJ.
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honsiong	Oct 23 2018, 11:50 AM Return to original view \| Post #6
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	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... « Lump sum investment of $150 to each account to kick start the investment (25th Jan) Subsequently, to invest $50/mth into both smartly and stashaway portfolios on every 15th of the month beginning 15th Feb 2018 - Smartly Profile : 5/10 - Stashaway Profile 16 (54.5%/45.5%) Investment updates (Stashaway vs Smartly) : 1 March 2018 (Total Invested: $400) : $195.76 / $196.00 13 March 2018 (Total Invested: $400): $196.43/ $195.53 6 April 2018 (Total Invested: $500): $243.84/ $242.46 18 April 2018 (Total Invested: $600): $293.67/$293.03 22 April 2018 (Total Invested: $600):$293.20/$293.34 28 May 2018 (Total Invested: $700): $351.67/$351.00 Note: From 29 May 2018, Portfolio changed to StashAway Profile 28, Smartly Profile 10 9 June 2018 (Total Invested: $700): $354.49/$353.14 26 June 2018 (Total Invested: $800): $407.05/$396.29 19 July 2018 (Total Invested: $900): $460.37/$454.75 30 July 2018 (Total Invested: $900): $458.49/$458.28 29 Aug 2018 (Total Invested: $1000): $515.63/$512.01 Note: From 29 August 2018, Portfolio changed to StashAway Highest RISK Portfolio, Smartly Profile 10 14 Sep 2018 (Total Invested: $1000): $512.68/$509.37 22 Sep 2018 (Total Invested: $1100):$563.44/$566.63 08 Oct 2018 (Total Invested: $1100):$549.49/$557.14 11 Oct 2018 (Total Invested: $1100):$531.56/$542.10 22 Oct 2018 (Total Invested: $1200):$578.08/$586.85 The MY Stashaway Portfolio most likely to be same as SG side. Any idea? I think so yes.
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honsiong	Oct 23 2018, 01:52 PM Return to original view \| Post #7
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	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. You don’t want that much you can dial down to lowest risk, which puts like 60-70% bonds in your portfolio.
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honsiong	Oct 23 2018, 03:04 PM Return to original view \| Post #8
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	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. Just DCA $100 every week all the way, don’t panic then keep tweaking risk level.
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honsiong	Oct 23 2018, 03:57 PM Return to original view \| Post #9
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	QUOTE(Ancient-XinG- @ Oct 23 2018, 03:24 PM) the fee is calculated based on accumulated amount year end of entry fee each time? Average daily AUM and charged every first week of next month.
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honsiong	Oct 30 2018, 09:21 PM Return to original view \| Post #10
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	Yeap -12% since July 2017 already on risk level 36%. Just stick to weekly $100 deposit plan.
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honsiong	Nov 1 2018, 07:45 AM Return to original view \| Post #11
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	QUOTE(Ancient-XinG- @ Nov 1 2018, 07:35 AM) I didn't receive any mails yet..... stable or not 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
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honsiong	Nov 1 2018, 08:43 AM Return to original view \| Post #12
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	Screenshots for Malaysia: https://imgur.com/a/kjf5RTP
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honsiong	Nov 1 2018, 09:11 AM Return to original view \| Post #13
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	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? 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.
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honsiong	Nov 1 2018, 09:20 AM Return to original view \| Post #14
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	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? See my screenshots: yes. You can already sign up at app.stashaway.my, top right corner.
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honsiong	Nov 1 2018, 12:22 PM Return to original view \| Post #15
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	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.
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honsiong	Nov 1 2018, 01:03 PM Return to original view \| Post #16
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	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.... IIRC FPX you cant set standing instructions. Also HelloGold uses FPX and costs like RM1 for every transfer.
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honsiong	Nov 1 2018, 01:12 PM Return to original view \| Post #17
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	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 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.
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honsiong	Nov 2 2018, 09:02 AM Return to original view \| Post #18
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	QUOTE(SwarmTroll @ Nov 1 2018, 11:49 PM) Wait, is Stashaway already live to use if you sign up? Yeap! Waiting for them to buy securities now.
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honsiong	Nov 2 2018, 09:49 AM Return to original view \| Post #19
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	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 Fuck no. I have attended their talk near my office in Ayer Rajah before, both founders came off as pretty risk averse people.
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honsiong	Nov 2 2018, 11:10 AM Return to original view \| Post #20
Look at all my stars!! Senior Member 3,182 posts Joined: Nov 2008 From: KL	QUOTE(deadravel @ Nov 2 2018, 11:04 AM) wow nice stashaway. first robo advisor in malaysia. 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 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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