You can setup 4 monthly debit e.g. 1st, 7th, 14th, 21th if every month, it'll be functionally weekly debit. But of course you can't set it as every Sunday, the day will run abit since you set based on date.

This post has been edited by Hoshiyuu: Apr 9 2021, 11:58 AM

Haih, pity too troublesome to setup up daily JomPay on auto repeat, stupid Maybank UI and need to set duration

I'll stick to debit for now, no choice. At least money is going in no matter what

Oh, right, wanted to share something. I made a portfolio during my initial registration that I only put in RM500 once so I have easy access to the "trend" of the risk portfolio. Here's how it looks 3 months in.


And a quick update on the daily "DCA" meme portfolio. After switching to RM20 a day, I noticed it'll happily deposit 3-4 days consecutively a week, then choke for 2-3 days on the weekend. The buy-days is pretty consistent @ RM20, so I think the ~$5 purchase theory might still be true.

I am loving the bumpy line so much!



Both pictures are 36%

Edit: normal boring weekly DCA stair steps chart for comparison



This post has been edited by Hoshiyuu: Jun 1 2021, 01:40 PM

My investment goal in general is just to be average, so 6~8% sounds great for me. 90% of all my investment is on boring "beat EPF rates" stuff - half of it is on a broad based ETF, half of it is in SA, so if either disappear overnight, however unlikely, I'd still have half. The remaining 10% is my thrillseeking allocation - speculations, cryptos, over commiting to china, etc, to keep me in check and not touching the real important part.

I'd like to think gold prices are just arbitrary value that other people holding it give them and JP Morgan decides, while every ringgit in stocks is behind a company that is trying it's best to not get eliminated by market competition.
That's why I don't like the idea of holding exclusively or majority gold. SA portfolio having 20% of my money in gold is just enough for me (~9% of total portfolio) as inflation hedge.

Probably a very pessimistic goal and outlook for someone who is just hitting his 30s, haha, so I know my line of thought won't be popular among others.

This post has been edited by Hoshiyuu: Jun 1 2021, 02:00 PM

I'll be honest, I read a single book, put 60% into VWRA and 40% in SA so I don't lose everything if either go kaput, and just look at my invoice once a month, it's working out so far LOL

I just stop by now and then with popcorn and find the occasional promo code.

Shame that the other two thread is dead, with one shop holding onto a dead ETF for years and increasing fees and the other having technical issue every other month, its harder for them to have as much discussion...

This post has been edited by Hoshiyuu: Jul 22 2021, 05:57 PM

FIGHT, FIGHT, FIGHT

If SA can 0.4%<= flat fee I might actually give up DIY completely One can dream right!

Howdy frendo! Welcome to the ATH loss gang, we have about 4 members I think so far.



This is the tracking portfolio I made, as you can see, we haven't really went up since February's ATH.

For my main portfolio which I have consistently DCA'd daily, I am hovering around only ~2% loss up to last week, which is pretty good considering the China turmoil mess and me recovering the drop from ATH.

Last week did drop me down to -7% all of a sudden, I don't really follow the news that much so I am not sure what happened.

Keep in mind, everything I've said about is like within 5% - its basically nothing in terms of investing. Anyone that DIY on KWEB/ARK around the same period have suffered at least a 20% drop at the same time.

This post has been edited by Hoshiyuu: Aug 5 2021, 12:42 PM

FD barely pays me two fishball even if I put in my entire networth into it for 6 months 😂

you greatly overestimate my networth

As a side note... fellas, how many pages is your statement?



This post has been edited by Hoshiyuu: Aug 6 2021, 01:42 AM

I'm generally quite risk adverse... I've set my allocation up like this probably for foreseeable future. So ETF is nearly my entire portfolio, with broad-based ETF being the backbone. Most Malaysians would probably disagree with my approach, as I am taking very little risk for my age.

I don't see much of a reason to have more than one robo... pick one that aligns with your goal is good enough. I didn't like Akru's competency (I still haven't manage to get my account verified), I didn't like Wahed's halal approach and fees. Stashaway just happens to offer the right thing that I want.

VWRA & Stashaway and chill

This post has been edited by Hoshiyuu: Oct 26 2021, 04:02 PM

I mean, relatively speaking, people my age and my peers around me are into stock picking and meme coins, haha, so I feel out of place at such discussion. The last time I brought up my investments, the biggest sentiment was "aiyoh, you still so young mah, you will regret for not trying for higher returns in your 40s! why are you happy with potentially meeting EPF return onli? you wont have enough to live comfortably at 55 leh"

So while a nearly pure equity portfolio is high risk, the chance of me losing it all is relatively low, I feel! (Not to mention Stashaway's portfolio, even at highest risk, still have a massive ballast compared to most investment options)
All I need to do is make sure I can hold through tough times with a healthy day-today living stash.

I've been eyeing VXUS myself, but with my current financials, 3 fund portfolio's transaction fees will eat into my money significantly if I DCA them, and the lack of an Irish domiciled option is a bit of a bummer.

This post has been edited by Hoshiyuu: Aug 9 2021, 09:00 PM

Thanks for the encouraging words! I like the term half-bogleheads lol

I've been doing that, while consistently DCA into SA - just feel a bit weird if DCA intervals for certain fund is nearing 2-4 months per deposit if I add more, feel like I am not capturing the up and downs properly.

This post has been edited by Hoshiyuu: Aug 9 2021, 10:18 PM

Thanks for the suggestion!

I've considered it and was basically my portfolio finalist (VWRA+VAGU or SWRD+WSML+EIMI+AGGH). My reasoning for my current choice is that -

1. I don't really need the small cap coverage.
For assessing whether I needed the small cap, I compared VWRD (FTSE All-World) to FTSE Global All Cap Index, VWRD has ~90% coverage of FTSE Global All Cap Index, which has ~98% coverage of FTSE Global Total Index (missing some microcaps).

If I recall correctly, the 5 year annualized return of both index is within 0.1% (14.3 vs 14.2).
So I came to the conclusion that I am essentially paying complexity in management and fees (TER and Transaction) of 4 Fund VS 2 Fund portfolio for essentially no difference in performance.

2.This is very feely crafty with not much basis, but Vanguard portfolio have the tendency to improve its fees overtime plus I prefer the spirit of the company, even though it's probably changing or going to with the loss of John Bogle.


Finally, since this is a SA thread - "Why the fuck are you buying SA if you already knew all this?"
-On the meteoric chance that IBKR go boom or not accessible for any reason, I don't lose it all if I have 40% of my money in SA.
-SA doubles as a really, really good money management tool for how easy it is to set up direct deposits. Money is just gone before I have a chance to spend it.
-Cheapest way to turn my MYR into USD as soon as possible at ANY amount, given that MYR is trying its best to jump off a cliff nowadays, that's invaluable.

This post has been edited by Hoshiyuu: Aug 10 2021, 12:11 AM

One obvious thing that I haven't seen it mentioned so far is that when you switch risk portfolios, you are essentially realizing your losses. If you were on 30%, then switch to 20%, Stashaway will be selling and buying underlying funds to match the new portfolio's target allocation.

One of the worst possible thing you can do on Stashaway is changing portfolio all the time, thinking you can time the losses and gains, or for whatever reason.

The idea of Stashaway is that you set up a recurring deposit and just don't look at it - as the underlying stocks of the portfolios go down, you will be buying more stocks everytime your deposit happen, then when they rise back up again you would have gotten more value; If you sold your stocks when it went down, then bought it back when you think it's rising again, you will be consistently buying high and selling low and lose money. On this matter, it's no different compared to normal stock investment.

If you can't sleep well with the idea of losing any money at all (technically, 1% chance of losing up to 30% of your portfolio - you signed up for this with this risk displayed to you), it's better to cut your losses early, withdraw everything, and go for a more guaranteed approach, such as fixed deposits, money market funds and so all.

While Stashaway is designed so that user can invest without much knowledge in investing - some knowledge of how the stock market and investing works in general would still do wonders to prevent your itchy hand and lack of knowledge from ruining yourself.

P.S. Don't time the market, triply so if you are on Stashaway.

This post has been edited by Hoshiyuu: Aug 10 2021, 05:33 PM

I think in general, if one present one's idea with facts and reason, and open for critique, and above all not start the post with "kau bodoh" or similar toned inflammatory and strawman argument, the discussion will probably be more well received... Plenty of discussion in this thread for DIY vs SA, usually ended well...

This post has been edited by Hoshiyuu: Aug 11 2021, 06:08 PM

As for the stay or leave matter, the way I see it, Stashaway is marketed towards people who are trying to avoid the complexity of investment - which means, like all other funds, you are convinced by Stashaway to simply trust them, and you are not given the choice to control how your money is invested with exception of risk portfolio choice and deposit interval.

So I find it odd to suggest "why is Stashaway not buying SnP500", "why is Stashaway forcing me to buy/sell X etf through reoptimization/hiding GBP portfolio from new user"

If you knew and cared that much, there is plenty of others investment methods, even simply other roboadvisors that are more aligned with your investment philosophy.

Is this statement simply a nice way to say "kalau kau X suka kau keluar"? Maybe, but given that you only have 3 control over SA: risk, deposit interval, and whether to use SA, isn't the ultimate goal of most discussion "Should I continue to trust SA to make money for me?

And in that case, if your assessment is "No", means your initial assessment of SA was unfortunately mistaken and you have found out so after reassessment, then like most investment, you will have to make a call, to cut your losses or bear through it.

If Stashaway is a waste of opportunity or even just a cult following a scam, why not get out of it and let 100k+ user baghold rm4bil+ for you? Someone else's loss is potentially my gain if I am not losing together with them. If every single investor was a boglehead, I am not even sure that investment philosophy would still work.

...so why should someone take offense for being suggested this action? Is it simply the wording or tone of the suggestion?

This post has been edited by Hoshiyuu: Aug 11 2021, 06:33 PM

everyone's throwing -50% around like the SA portfolio is made up entirely of KWEB lol

feel like even people actually holding KWEB hasn't panicked as much

This post has been edited by Hoshiyuu: Aug 15 2021, 12:40 AM

On the bright side, at least I am not investing in coffee machine leases that's impossible to cash out, health products that might or might not have an IPO eventually, or some durian trees in god knows where... even if I am completely ignorant and just HODL Stashaway against all logic and reason, I'd still walk away with most of my money if not slightly more than I started with LOL

This post has been edited by Hoshiyuu: Aug 18 2021, 03:57 PM

In a way, I've braced myself to having 99% chance of not losing up to 36% of my portfolio in a single year

This post has been edited by Hoshiyuu: Aug 19 2021, 10:20 AM

Hahaha, I was joking about it - my main portfolio in Stashaway is 36% SRI - hence, "99% chance of not losing more than 36% in a single year"



Whether I can actually stomach it when it happens is another story, this thread have so many people going mad at the idea of simply going into negatives AT ALL.