I don't quite understand how stashaway works.

you put in money into your account, choose which plan you want/how risk averse/long term you are, then they'll kaodim the rest?

What are the returns? What do they invest in? Should I invest in stocks or use stashaway? I'm currently investing in FSM unit trust and ASNB.

What's the expected return for etf?

I have the choice of either putting more money into my ASNB (6% returns a year) or do something else with it.