Question: Do you people invest monthly, quarterly or other frequency?

How about DCA weekly?
Seems like there's more beauty in it.

i am going to withdraw some from EPF for SA. Should i do weekly like a UT?    Dollar cost averaging strategy?

Usually they put you max 22% due to several factors from your assessment answers, including but not limited to:

1) low monthly income
2) high liabilities/debt-service-ratio
3) job is deemed high risk/unstable/low to no income (like student or an entry level job like clerk/waitstaff or gig work)
4) no prior investment experience
5) low to zero savings
6) age (if you're older they might not give high risk initially even if you list yourself as aggressive because your age means not many years left to retirement where you can weather volatility)

basically its SA's way of protecting you and your finances. A human financial advisor would similarly tell you to take lower risk if you fall into too many of the above criteria, because it's not wise to invest if you're deep in debt with little income etc.

Don't feel bad about limited to 22%, in fact 22% risk portfolio is not bad performance at all, if you look in their performance since inception the annualised return is same to 36% because of some crashes in equities a few times in the last few years.



36% portfolio is for us who can afford to stomach the volatile and are willing to risk the losses to get (maybe) high returns it's not guaranteed that returns will be higher than 22%, nor is it necessary for good gains

as above have said, you can watch the videos on Personal Finance basics and Investing basics to educate yourself, then contact StashAway customer service via their WhatsApp to help unlock 36%

But don't be super WAHHH AMAZING about other LYN members' gains. SA's algorithm recommending low risk for you is not without reason.

Nothing to do with CNY because markets at all time high and the buy order will be executing by this Wednesday or Thursday when the markets starts to correct itself and rebalance their portfolio

Your money is already converted to USD and it is only small amount of rm100 which is difficult for it to execute the buy order most ETFs at its portfolio because most of it are being priced in the market at least of USD45 to USD178

In order for it work better you should at least deposit about USD100 or RM405 in order for it to execute the buy smoothly

Hi all, I just started with SA. After the assessment, it shows me 6.5% risk and when I check here, we have so many people with 36% risk assessment. When I check to change the risk, for some reason it only allowing up to 22%. What is the best way to do this? I'm looking for a long term investment. So is it better to stick with 6.5% as the automated risk says and create a new portfolio for 22%? Any advise? Not sure how to get 36% portfolio thou.

As always, when we share our performance, we compare it against our portfolios’ same-risk benchmarks. A same-risk benchmark is a portfolio that has the same risk exposure (measured as value-at-risk) as one of our own portfolios. We specifically designed our investment framework to maximise returns at a given risk level. As you can see, most of our portfolios outperformed their same-risk benchmarks.

Hey just curious on what do you mean wed & thurs will correct itself? Is it a trend for markets to correct themselves around end of week? And is this in relation to us markets or equity markets in general?
Coz if tats the usual trend then it makes sense to top
up around end of week yes?
Thanks haha 😆

https://www.stashaway.my/r/our-returns-2020

What is that in layman's language? 

Read this link again:
https://www.stashaway.my/r/debunking-high-risk-high-return

As said many times, I think all of Stashaway's learning material is good. Value at risk or volatility or standard deviation all same thing, tracking the how much an asset changes over time.

It is really important to understand what you are buying. Forget about returns for a while, always remember how much risk you are taking.

https://www.stashaway.my/r/our-returns-2020

What is that in layman's language? 

https://www.stashaway.my/r/our-returns-2020

What is that in layman's language?  

Kinda odd that the SA simple doesn't show the interest or dividend accrue in the transaction page?

Or I am missing something? 🤔🤨

Hey just curious on what do you mean wed & thurs will correct itself? Is it a trend for markets to correct themselves around end of week? And is this in relation to us markets or equity markets in general?
Coz if tats the usual trend then it makes sense to top
up around end of week yes?
Thanks haha 😆