Good bump as the breakout is coming soon on the 36%

I have 3 portfolios.
36 RI (50%) this one was from early 2019
26 RI (10%) this one started when SA reoptimized and removed SP500 from 36% RI, but now this one also no more SPY
14 RI (40%) this one started in mid 2019

At one point the 14% portfolio outperform the others but now its dropping a lot the returns. Must be bonds and ISD dropping.

Risk appetite is back soon after end of Jan because of bonds are not the great at the moment better off buying higher allocations to commodities and fixed income

Hi, recently I bump into fsmone(I'm a slow poke I know), I notice there do have similar etf and more can be bought there.

My question is how is the fee compare SA VS fsmone.
Given the advantage fsmone I'm free to choose even higher risk etf. I mainly now now have issue with gld. Personally I dislike gld as it is a form or currency hedge and not a way to grow.

You need to study further. There is no etf in fsm.
There is very little overlap of assets between fsm (active managed, trust funds) and stashaway (robo, passive funds).

i may be wrong, but i think in Stashaway, you cannot select the individual ETFs you want to have....they are preselected by the portfolio risk level you took.
in FSMONE (Spore), you can select the individual ETF you wanted to have n buy

thus just cannot direct compare the fees when 1 is auto & managed while the other in DIY

This post has been edited by MUM: Jan 7 2021, 11:58 AM

Hi there, im fairly new to SA and was wondering if RM1000 is enough to start a general investment portfolio with 30% risk? Since it converts to USD, not sure if the amount may be too little? Starting off small to get familiar with things before i add more capital. Thanks alot.

SA didn't invest min amount to invest.
I think you can invest with as low as RM 100 too.

dont worry about it. i started with 150. and dca 150-200 weekly. just be disciplined

there is etf in FSM singapore not malaysia. Personally i preder buying ETF usinng Tiger Broker due to lower fees. In malaysia, i prefer Akru because it invested into Vanguard ETFs

GLD 20% it is for protection and insured against currency fluctuations due to USD and RM conversion hence it is a logical play by StashAway to protect your account

GLD was always and never has been use a hedge more for insured and protect against fluctuations and inflations in FX movements

If you worried just go try 30 and 36% then you will see the difference

RM10 is the minimum but however it will eat up your cents because of USD rounding conversion

Try to start with RM500 and then go aggressively once you comfortable with it

lol how come your line so smooth? How do you deposit? By weeks?

I notice that when I change my currency in Performance tab my Total Return is wildly different. Like RM 20 loss in MYR but $50 gain when I switch to USD. why is that?

I believe because of money weighted due to currency conversion being buy on the orders being executed on past Monday or Tuesday which you can seen on the conversion rate 0.25

Don’t worry too much as it will rebalance once certain ETF gains which you will see MWR is higher than TWR then

Hi what's your riskindex?

Nah lagi smooth 😜

April 2019 - deposit daily RM50

January 2020 - switch to wahed. So wed Friday stash. Tues Monday Thursday wahed. Tuesday rest. Lol. Both on 36% and aggressive portfolio

Took out some money to fund for tax payment etc 😅

Daily RM 50

So everyday you busy to do banking transaction ?

Nowadays, banking transaction can be easily done with just few taps.

I found that more frequently do DCA, the gap between portfolio value & net deposit is bigger. The return is better if we do more frequently DCA ?

The power of jompay. Every morning 7am deduct

And sometime the banks got jompay or duitnow contest as well, Tiba2 masuk RM10 ni to my ambank account. I won some weekly prizes ka for doing jompay transaction.

So yeah, 2020 investment lesson : automate your savings