At one time it was, it may be in the future but I hope it isn't. Haha. Not sure it helps you or not at all.

hahahah why is that so? you thought about it but you hope it isn't, but why?

For me, if other investments work out eventually it will outpace stashaway, and that must be a good news. Remember, Stashaway is not much more better than SP500.

its reward vs risk appetite.

hmm, alright, you got a point there and also have other investment working hard for us in parallel.

minimum deposit is RM100 la and the value is too small to make a difference. if you are doing 1k everyday then maybe

I was planning for that but now not anymore

Biggest to lowest

Stock
UT and FD
EPF
Robo

Hi guys.

I've decided to give Stashaway a chance owing to it's wider investment portfolio as Raiz has been performing sub par (despite setting my portfolio to aggressive for the past 7+ months) since the time i started using it in July 2020 till now.

Some questions:

i) What is a reasonable risk setting range given today's economic climate? I have quite an appetite to take medium - high risk and my current setting is 16%

ii) Since my recommended porfolio also covers US equity sectors, will it be wiser to deposit one lump sum of cash eg. RM50,000 given how 1 USD is now roughly 4.04 against MYR or will it be advisable to stagger it by depositing one time, RM10,000 followed by monthly RM3,000 contributions?

Thanks!

Me! Probably gonna DCA for SAMY once reached 50k then ill focus to others probably Wahed or Akru.

Then prob will go with individual stocks.

If your risk appetite is medium to high risk, I recommend to put above 20%. Don't want to play it too safe. I play with the asset allocation slider to see the percentage of funds allocated until I'm comfortable with it. For me I chose 22%
as I feel its the best risk return ratio for me.

Lump sum this question is very subjective. Lump sum might suffer short term losses if market goes down. But If you're investing for medium to long term, why not? You will lose out on potential gains in the long term if you were to slowly enter the market through mthly contributions. But that's just my opinion. For me, I lump sum because I want to take on more risk and I'm investing in for the medium to long term ( 3 years and above).

After lump sum my comfortable amount (after taking into account my emergency fund etc.) , I will put in mthly contributions from my mthly savings

the put off for me for UT is the high costs, but i still invest consistently into FSM on monthly basis as well, not too bad i must say.
FD, hmmm, way too low just for now, and that given my time horizon is >20 years, so won't mind taking more risk. it is gonna pay off (fingers crossed)

50k is not that much only la. i think you can achieve quite fast also. i'm talking about few hundred or even up to a million?

I definitely plan to save most in SAMY. it is either 50k or 100k. See how first. Definitely wont be able to reach 1mil deposit lmao. can only save 1k-2k monthly

EPF - 30%
Robo (SA, MyTheo, Wahed) - 25%
High Yield Savings Acc - 25%
UT - 15%
Crypto - 5%

22% risk will suit you if you’re able to use 50k lump sum don’t touch it until 2024 where you will be happy to see the gains then

If you’re willing to go 3 years then by all means because usd has never been weaker in terms of with usd as it willing be very difficult for ringgit to drop to below 4 which was only this year once

4.04 will be right for those whose willing ride and with your risk appetite can’t hardly go wrong as the returns will beat the market at least 5.35% pa on the downside to trajectory and being bullish run it will be go high as high 8.2% if the markets repeat again in 2020

But with SA 50k split into 5 portfolios with 2 high risk ones and the other 2 go on medium and 1 with low risk to balance portfolio if you worrying about concentration risk

Hi, I'm new to SA (and investment in general). Thought of kick starting with SA and some individual stocks in the US. Would like to get some some advice and have some very noob questions : l

If my target return by end 2021 is let's say 10%, does it make sense to split into 2 portfolios:
- 60% fund to 16% risk
- 40% fund to 30% risk
(will try to double up the sum if the market drops in specific months, and am keeping these 'rescue funds' in SA simple for easy transfer.)

And should I do it as a lumpsum, or monthly recurring deposit (is the interest compounded on monthly basis on SA)? How do I calculate the difference between projected returns for lumpsum vs compounded monthly?

Thanks!

while waiting for SA sifus to responses,...
i just kay poh abit,...so don't take it seriously

on your query
If my target return by end 2021 is let's say 10%, does it make sense to split into 2 portfolios:
- 60% fund to 16% risk
- 40% fund to 30% risk

if for me, i would go all in at just 30% risk index for this 30% has a benchmark of returns of 11.6%
while the bench mark for 16% risk is 6.1%

thus i would have better chance of hitting 10% ROI

https://www.stashaway.my/how-we-invest

on your query on "(is the interest compounded on monthly basis on SA)?"
the returns on investment is not guaranteed and can only be seen when you sell, it has no pre determined fixed returns that can be compounded.

On your splits it all depends on the liquidity versus return as it depends on the markets and if your split is because of liquidity

Lump sum and DCA are subjective because it can be only calculated based on the executed buy order. There isn’t no compounded interest only unrealised gains or loss subject to market valuation. It is not fixed as markets can go down hence your portfolio is down.

The only projected returns is to use goal based investing to set the targets

Remember Past performance doesn’t reflects future returns as it can be higher or lower all depends on markets

don't underestimate the power of compounding, especially towards the end of that last few years.....
consistent is still a key....

not bad, assuming if your EPF is RM2m, then your robo is about RM1.6m, not too bad at all.

Hi sorry I am new here. So for this, i will only know the actual returns and i pull everything out from SA? My apologies for newbie questions.

my UT mainly for china and asia market exposure
plus i dont have the time nor the knowledge to direct buy in
hence i am willing to pay those fee

FD is my safety net
that being said, during dip took approximately 50% of it, focus on UT, bursa and US stock

buying and selling unit trust and equity based assets do not generate returns like interest. That term is used for loans / liability / deposits. So, yes, when you decided to sell, you calculate the amount you have put in (tally up vs time) and the selling price and calculate the returns / gains. That is when you realise the gains or losses.

In between, some of the assets you own will generate returns in cash and will be given back to you in your total holdings, reinvested (in the case of Stashaway non-simple).

At anytime in between, it can be negative (worth less than you paid for) or worth a lot more than what you sell it for eventually.

You will know the actual returns at any time of the day, if you decide to sell then it is more or less at that price (+ daily actual fluctuations, + exchange rate charges). It is almost 99% accurate.