Finally, XLE nearing breakeven for me.

Yea, for very short term goals but want a bit higher interest than FD.

Hi, thanks for your sharing. Just wonder the "StashAway Simple" will it be higher interest rate / return than the Fixed Deposit. I go through the "StashAway Simple" it invest into Money Market Fund.

I have some questions to this "StashAway Simple" as below:

1. is it subject to the money market fund unit fluctuation ? If during the money market unit price low, withdraw money from StashAway Simple , will end up in capital loss ?
2. the fee (0.25% + 0.04%) , when will the fee charge ? During we withdraw the money from "StashAway Simple" ?


Thank you

1. Yes but the risk is low based on SAMY assessment: This is an investment, so there is a level of risk, but it’s incredibly low. The StashAway Risk Index for StashAway Simple™ is 1.8%. That means you have a 99% chance of not losing more than 1.8% of your AUM in a given year

2. The fee is deducted in daily basis when NAV is published.

This post has been edited by GrumpyNooby: Nov 24 2020, 01:51 PM

Thank you for your clarification. I am thinking assume no movement on the Money Market Fund unit price mean no capital loss or gain but we need to suffer the 0.25% & 0.04% fee per annum. "StashAway Simple" projected return approximate 2.40% per annum (before the fee) but fixed deposit interest rate now if 6 months is about 2.35%. Which end up might not better than FD.

simple has no lock in period and can enter with as low as RM100. of course if you have no concerns of liquidity and can get higher rates then go ahead to deposit in FD.

Gold continues to drop GLD will continue to drop
dont know when they will reoptimize or rebalance the allocation

My 18% risk portfolio is doing poorly. TWR and MWR to date is 3-4% only. Started with SA for 6 months and I was thinking to drop 18% and shift all to 36% which was generating about 14-17% MWR/TWR.

errr?? what's the point? selling your current ETFs which is price lower at 6 months ago, and then switch to new risk index will eventually buy ETFs on the current price which is higher than 6 months ago... what makes a benefit there?
ppl just like to switch risks index here and there, end up blaming SA is not gaining...

This post has been edited by blur19755: Nov 24 2020, 06:21 PM

lol...he want to lose more.

nothing wrong, but do note u r buying with a high price now
1) if u are lumpsump, then let hope it goes higher
2) if u are dca-ing, then make sure you firm if you decision and keep DCA-ing

dont later 36% downfall due high risk, then u switch back lower risk again

Something wrong with the maths there, how is past value or current value of any importance if

1) portfolio 1 has upside potential 15% from the current state
2) portfolio 2 has upside potential of 5 % from the current state

Switching to one with higher upside potential of course increase the downside risk as well. Doesnt take a scientist to figure that out.

This post has been edited by backspace66: Nov 24 2020, 09:35 PM

Selling my 22% portfolio to buy a house. and GLD dragging it down on the night of sell order haha lucky still green lol

Wow, your 22% portfolio money can buy a house, curious how much you invest in 22% portfolio ?

Fuh DJI breaks all time high

6 months and get 3-4% is poor? then you better go genting la. Either 100% gains or lose everything.

Gold dropped to close to 1800 level

Gold: 1,803.50

i can see that my portfolios not performing well due to gold, sigh
(and my 18% is stuck at MWR 2%+ for few months, even worse than FD )

This post has been edited by gundamsp01: Nov 25 2020, 08:18 AM

i think the tantrum is somehow because SA allocates big portion of the cash to GLD (like shorting US market) but somehow US market is still rallying up to new high to date

but i think during the GOld rally like previously....people will be happy to see that SA allocates big portion of the cash to GLD