I saw some drop in March too prior to earning report.

Some flicks are normal.

This Trump har..

Want 2020 already still main.

But surprisingly there popular % increase

in the words of a certain often-mocked-forummer-that-i-shall-not-tag-or-name : This is discount time!

Get ready to sapu all the cheap stocks and REITs!

SA shown value: +3.8 for MYR and +0.9 for USD
Currency impact yield a big part in MYR since I lump sum once when MYR is around 4.09.

If wanna calculate per annum interest then its around 15.3%

This post has been edited by neverfap: May 8 2019, 06:13 PM

Once seen 8% before on last month, currently 6.5% (in usd)
Starting since Jan

This post has been edited by yuiopoiuy: May 8 2019, 06:17 PM

sad week, return of -3% now, losing a lot of $$

wow nice return, then i shall set risk index at 18%, i set it at 14.5% yesterday, haha havent invested any cuz still waiting for hup leong allocatement, so is now considered good time to invest in SA?

Anytime is good time when you set the risk tolerance you can tahan. Just dollar cost average all the way.

My aim is 8-10% return per annum, is it possible to achieve through SA? Im abit in a dilemma right now, not sure which to put my money into, I have some money in funding society Malaysia also, invested some money in the loans, gonna try and see how much will it yield me.

Then, theres reit which alot of ppl invest in also. and theres alot of investment vehicle also, so im not sure which one suits me, so any advice which to put my into in order for me to reach my aim?

This post has been edited by mapeyeo1: May 8 2019, 07:08 PM

10% is rather high....

But achievable.

Possible, because StashAway expects MYR to depreciate faster than USD/SGD.

You need to go very high risk, has time horizon of > 10-20 years, and time the market well by turning risk down right before crash - which you dunno when.

I would say it really depends. You would probably end up getting more returns per annum in FS than in SA, assuming none of your notes default. If there's default and fail to recover, then your principal sum is just gone, which would immediately reduce your returns per annum significantly.

SA on the other hand, like they advertise, 99.9% you would lose at most the percentage of your risk portfolio, so you can rest easier knowing your investment would grow, even if at certain period, it goes into the negative, it'll bounce back in the future, as long as you keep your DCA constant and don't try to time the market

Any other sifus have further to add, please feel free to do so

What if I did a one time lump sum instead of DCA constant? do you think this will affect my return to be lower in the long run?

haih, whats ur aim of growth of ur capital when investing in SA? i think im overambitious but when i think of the gains, i cant help but keep thinking on how to achieve it, cuz my aim is 12m in my networh/capital/saving/investment, hah maybe i should just aim for a very high ranking position in a company with high salary.

maybe im crazy hahahaha

This post has been edited by mapeyeo1: May 8 2019, 07:51 PM

Aim for high networth will not realize if youre not running a constantly profiting business or very high position in a company.

Feel ya as I did the same . *Think long term, long term!*

That's buyer's remorse there - shouldn't matter if you're in it for the long run, but you can try make it psychologically easier the next time round by breaking that lump sum amount into 3-5 tranches of monthly investment.

If you're aiming for that kind of amount, you should move out of SA once your asset value is big enough - the yearly fee number starts getting substantial when your AUM gets big

This post has been edited by roarus: May 8 2019, 08:32 PM

Do keep in mind I also add in the currency impact when calculating the interest p.a.

If didnt add in the currency impact
Its around 4 % p.a. due to the dip from these few days

Edit: Also do keep in mind. Set a risk that you are comfortable with. Not certainly a higher risk will yield a higher return. Sometime lower risk might get more too.

Most importantly is ur own risk appetite! N happy investing

This post has been edited by neverfap: May 8 2019, 09:43 PM

Lump sum is dangerous because you do not know whether you bought at market high or market low

What Shalidar said is correct

Not only market. Might wanna consider currency impact too if deposit in one lump sum