Their diversification into gold, REITs, bonds, XLE would help in a bear market, especially their core portfolios.

If you can deal with a >50% loss for a long period of time, then there's really no reason to use StashAway.

This post has been edited by cucumber: Aug 8 2021, 07:21 AM

Bro, you need to know that many of us here understand where you're coming from... Bogleheads, Buffett, Munger, Benjamin Graham, JL Collins I read them too.

Some of us here have been in the market long enough to know what works and what doesn't. We made the mistakes. We've lost the money.

But unless you drop your bias, you're not able to see things from a different perspective.

How about this? Go to this website & try this : https://www.buyupside.com/calculators/dollarcostave.php

DCA $1000 every month from Jan 2000 to Jan 2009 in SPY.



After 9 years of investing, you would still lose 20% of your money.

How would you feel if you start DCA into the S&P500 today and you still lose 20% of your investment in 2030? Are you going to say that 9 years is a very short time?

Are you going to say that the tech stonks are never going to fail and the Fed will continue to print money to infinity? Let's be real, the past doesn't equal the future. Anything can happen in the market. Therefore risk management is #1 priority.

You need to understand whatever gains that you make this year from the S&P500 doesn't mean much unless you sell and take profit which is exactly what SA is doing on a yearly basis.

Jeez, I really donno man, on one hand you kept saying you're a long term investor and on the other hand you get so worked up over this short term gain/loss, are you sure you going to be able to handle a 50% drawdown during a bear market?

July's dividend have not been paid yet by SA Simple. Need to wait until the end of August.

Sounds risky. First time hearing ppl using x3 leveraged etf as long term portfolio rather than trading. What's your reason behind it? And what was the drawdown during covid crash last year?

I've been using them since feb 2019 and I didn't get anything. Huhu... sad.

Thanks.

SA is already selecting inflation hedge type of ETFs like XLE during this period and avoided all the overvalued ETFs like SPY. They will reoptimize the ETFs selection every year based on the market trends. Webinars and newsletters are being sent regularly to educate the users about the market and their investment philosophies.

You are considered as very experienced if you can survive in Bursa for 5 years LOL. I'd still recommend DCA though.

I recommend people to read Ray Dalio's new book, Principles for Dealing with the Changing World Order: Why Nations Succeed and Fail... it might change your views on China.

Can set aside cash and dump in SA Simple first, then from Simple set scheduled transfer 2 x bi-weekly transfer to main portfolio for weekly DCA. That's what I and some folks here have been doing. Very easy to setup.

This post has been edited by cucumber: Feb 25 2022, 01:17 PM

I just realized Akru's thread has disappeared... does anyone know what happened?

Yea i remember you were the TS. I saw they've changed their website, have they got all the bugs fixed?

When I left there were a ton of bugs on my account, charging fees twice, graphics/charts not loading, dashboard not being updated, couldn't withdraw money, couldn't download any statements.

I didnt realize he was no longer in SA until someone mentioned it, but when they introduced the lady from HK back then, I already felt maybe there was going to be a change in the organization.

Anyway, if they keep improving their service, I will still use them, despite the unfortunate KWEB event.

Wow suddenly got extra rm20k+

Yea, happy April fools.

That's one way to look at it. At the same time, it's given me a good chuckle and made my day.