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.

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.

SAMY not updating. Still cuti mood?

I tot updated ady? Mine back on the rise after the dip a few days ago hehe

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

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.

mine SAMY updated already.
Profit going back to previous high after stupid GME frenzy

mine SAMY updated already.
Profit going back to previous high after stupid GME frenzy

How would StashAway compare with investing in ETFs directly via a broker?

Just thinking out loud:

StashAway charges 0.8% annual fee (for first RM50,000) while some ETFs (VTI, VOO) have low expense ratio in the region of 0.04%.

StashAway annual fee seems to absorb all transaction charges while independent investment will be subject to brokerage fee, etc.

Flexibility in terms of choice of ETFs, of course you can't choose what you hold in StashAway.

Prior work needed, more due diligence would be required for independent investments.

If you have direct access to ETFs in USA via a brokerage, would you still go with StashAway?

How would StashAway compare with investing in ETFs directly via a broker?

Just thinking out loud:

StashAway charges 0.8% annual fee (for first RM50,000) while some ETFs (VTI, VOO) have low expense ratio in the region of 0.04%.

StashAway annual fee seems to absorb all transaction charges while independent investment will be subject to brokerage fee, etc.

Flexibility in terms of choice of ETFs, of course you can't choose what you hold in StashAway.

Prior work needed, more due diligence would be required for independent investments.

If you have direct access to ETFs in USA via a brokerage, would you still go with StashAway?

How would StashAway compare with investing in ETFs directly via a broker?

Just thinking out loud:

StashAway charges 0.8% annual fee (for first RM50,000) while some ETFs (VTI, VOO) have low expense ratio in the region of 0.04%.

StashAway annual fee seems to absorb all transaction charges while independent investment will be subject to brokerage fee, etc.

Flexibility in terms of choice of ETFs, of course you can't choose what you hold in StashAway.

Prior work needed, more due diligence would be required for independent investments.

If you have direct access to ETFs in USA via a brokerage, would you still go with StashAway?

How would StashAway compare with investing in ETFs directly via a broker?

Just thinking out loud:

StashAway charges 0.8% annual fee (for first RM50,000) while some ETFs (VTI, VOO) have low expense ratio in the region of 0.04%.

StashAway annual fee seems to absorb all transaction charges while independent investment will be subject to brokerage fee, etc.

Flexibility in terms of choice of ETFs, of course you can't choose what you hold in StashAway.

Prior work needed, more due diligence would be required for independent investments.

If you have direct access to ETFs in USA via a brokerage, would you still go with StashAway?