Thanks for this, Hoshiyuu.

I don't normally follow the funds within SA, I see lots of hype with KWEB. What happened? It dipped so much when I got curious and looked at it, lol

People love StashAway until their asset picks underperformed.

https://www.reddit.com/r/singaporefi/commen...tment_strategy/

https://investmentmoats.com/money/comparing...-robo-advisers/

Yes it's mostly buay song with 20% GLD.

Endowus 80% stock 20% bond has a VaR of 40-50%
You get 100% stock portfolio which is mentioned is investmentmoats article when you choose 50-60% risk in endowus

So if Kyith wants to do a fairer comparison, we need to compare endowus 60/40 portfolio which is in 35-40% VaR against StashAway SRI 36%.

60% stocks 40% bonds and similar VaR to stashaway 80% equities (stocks + REITS) 20% gold? Huhuhu

Add: I am currently using both stashaway and endowus coz they have little overlaps than most other robos like Wahed, Syfe, Akrunow etc.

Ringgit so weak now is it still good idea to continue DCA 🤔
Your opinion highly appreciated

18.7% p.a. for 3Y on 36% var

Cis, StashAway masih underperform other robo over last 2 months, -2.9%    /s

Thanks for reminding me that I'm a potato. Indeed I've only started investing last year and boy, it sure feels good to see myself doing so well DIY compared to SA which as I've shared few weeks back, both my SA 16/36 portfolios were at -5-8% losses then. In fact, I'm still very very skeptical against SAMY because I have never seen my portfolio in green since inception, but I am 2 feet deep into it, cannot realise my loss... so ok lor swallow that skepticism and continue DCA... If anything, I'm actually trusting you forumers more than SAMY itself at this point

I guess I'm on the right track that I'm keeping my various jars in tact, no matter how addictive the big green numbers look, don't all in haha. Even lately I had to tell myself I might be saving a bit too much just for the sake of investing.

I love GO + so much. Very useful to frequent ewallet user.

I mean our level go plus is useless for us haha

FSM is only good for PRS no? Why buy those expensive mutual funds that likely will underperform robo advisors?

Just wondering if you guys are going all out in your investment portfolios in stashaway? Meaning set all aggresively?

Turned my joke from a few days ago into reality due to a combination of boredom and insanity. I have so many questions, can't wait to check in next month and see how deposits on 31st rollover and what is the buy order execution pattern. 

(SA staff, I am sorry if manual labor is ever involved in handling a deposit and buy order)

Sorry for newbie question. For SA Simple, if I deposit money for a week and withdraw, do I get any interest/dividend payment at all?

Thanks for the question and I'm happy to clarify it for you! The Dividend Entitlements for Simple are your dividends earned for your funds invested. Dividend payouts happen at the beginning of every other month.

The dividends are declared and paid out on a monthly basis, thereafter, the funds received are then automatically reinvested into your Simple portfolio. https://www.bloomberg.com/quote/PRUISIN:MK?sref=g4LS3DvT

This is expected to happen every month. The rinse and repeat cycle plus the rebates we issue every quarter will help you to reach the projected rate of 2.4% p.a.

Assuming that you withdraw before the dividend payout date (ex-div date), you will not be entitled to the dividend payout. Having said that, you will be selling at a "high" as the fund value increases until the ex-div date.

"What if something happens to StashAway?":

First of all, I would like to assure you that StashAway is built on very solid foundations, and as part of MAS requirements, needs to always have a significant capital base; it is, therefore, unlikely that StashAway will start bankruptcy procedures.

With that being said - in the unlikely event that StashAway is declared bankrupt, following MAS strict regulations, StashAway has ensured that customers' funds are protected by the custodian relationship with SAXO (brokerage) or Lion Global for Simple and their custodian institutions (HSBC for cash and SG securities and Citibank for securities), such that those funds are kept separate and un-mingled with StashAway’s finances (i.e. your portfolios and holdings will not be affected).

In typical cases of bankruptcy, a liquidator would be appointed to assist with the process of returning investment funds to the respective customers. However, we are unable to provide a clear estimate of the timeline as it would depend on the speed and progress in accordance with the relevant liquidation procedures. Rest assured that notifications and an open channel of communication would be provided to ensure that customers stay informed of the process and can reach out to the Company at any point to address any questions and concerns.

We hope that the above serves to set your and your peers' minds at ease. Please reach out to us via our email (support@stashaway.com) or drop us a call if you have further questions!

Where can I track the daily rates for SA simple?
Looks like the rate is lower than FD now

Direct debit still available for new users, but cannot do weekly debit. Only monthly and quarterly allowed.