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Investment StashAway Malaysia, Multi-Region ETF at your fingertips!

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ironman16
post Jan 18 2021, 10:34 PM

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QUOTE(lovingforyou @ Jan 18 2021, 10:29 PM)
user posted image
Is it normal?
As of now, still processing
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money been deduct?

17 jan is sunday, should b today deduct

stashaway mention received or not?
ironman16
post Jan 18 2021, 10:46 PM

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QUOTE(lovingforyou @ Jan 18 2021, 10:41 PM)
Money deducted this afternoon from my saving account
I think SA did mentioned received and please allowed them 1-2 days to proceed
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sabar boss,

logically is:
afternoon receive, tonight (bcoz US baru start kerja ma) convert USD, if sucess baru execute buy. Jika berjaya buy,
tomorrow SAMY baru tahu and update dalam apps u, itu pun jika dia sempat (jangan lupa, monday banyak kerja o)

normally take 2 day (fastest i ever see)
3 day just normal speed ma
4 to 5 day if got special event occur brows.gif brows.gif brows.gif

if transfer from SAMY Simple lain cerita sudah, lagi lambat rclxm9.gif rclxm9.gif

This post has been edited by ironman16: Jan 18 2021, 10:49 PM
ironman16
post Jan 18 2021, 10:52 PM

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QUOTE(lovingforyou @ Jan 18 2021, 10:50 PM)
So it's normal
Is like dat one then okay then, no problemΒ  thumbup.gif
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if u weekly dca, when this process finish n updated in ur apps (2 to 3 day), then second dca is coming.....
u just tutup mata, x payah everyday tengok la......tired o

i normally use Jompay ,and Jompay will execute early in the morning (around 8am), so SAMY will receive it afternoon... icon_idea.gif

This post has been edited by ironman16: Jan 18 2021, 10:54 PM
ironman16
post Jan 18 2021, 11:06 PM

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QUOTE(lovingforyou @ Jan 18 2021, 10:50 PM)
So it's normal
Is like dat one then okay then, no problem  thumbup.gif
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ur order delay lagi bcoz US holiday sweat.gif sweat.gif sweat.gif

QUOTE(bourse @ Jan 18 2021, 11:05 PM)
today is Martin Luther King, Jr. Day.  So market tutup, tonight confirm no buy order.
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thanks for the info notworthy.gif notworthy.gif
ironman16
post Jan 19 2021, 12:04 AM

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QUOTE(lovingforyou @ Jan 18 2021, 11:13 PM)
Nanti biden wednesday inaugurato right
So holiday again, full army force to protect him like war field
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πŸ˜‚πŸ˜‚πŸ˜‚ Jialak la u
ironman16
post Jan 19 2021, 12:24 PM

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QUOTE(lovingforyou @ Jan 19 2021, 12:19 PM)
Eh, just to update
Im wrong with the statement yesterday

Timeline as below
17/Jan Sun - Direct Debit scheduled in SA
18/Jan Mon - Direct Debit Bank deduct my saving account
19/Jan Tue - Receive email from SA on @1115HRS that they received fund
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Mcm lambat sikit dr jompay, am i wrong?
Last when i think i jompay, the same day SAMY received.
But nvm, yesterday US holiday, fast oso no use.
Try direct debit for a few time baru dpt conclude
ironman16
post Jan 19 2021, 12:35 PM

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QUOTE(lovingforyou @ Jan 19 2021, 12:32 PM)
I remember i saw earlier post that, "first" time slower a bit
This 36% portfolio just "open" by SA last week, and 17/Jan is my "First" deposit into this portfolio
Aug 2020 i did my first deposit for first 22% portfolio and leave it there, after half year just step further, then taadaa, here i am  rclxm9.gif
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Remember dca aje, unless u can timing market very well
ironman16
post Jan 19 2021, 06:37 PM

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QUOTE(adamletham @ Jan 19 2021, 05:59 PM)
If I want to add a lump sum money into my Stashaway account, is it better to add that in gradually (increase my monthly/weekly DCA by RM X over X months)? Or is now a good time to a dump it all in at once?

For reference, my risk index is 36%.
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u expert in timing market >>>> lump sum
if not, dca monthly (wanna curve lagi smooth, weekly OR u wanna daily brows.gif brows.gif )

ironman16
post Jan 20 2021, 03:34 PM

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QUOTE(xander83 @ Jan 20 2021, 03:21 PM)
How do you DCA daily?
GLD basically at 20% high risk allocation just a hedge to Equities in order to support any rebound in sight when the correction happens based on ERAA strategy

GLD rises means that value of the money decreases and inflation is happening soon but for near term unlikely for now due to damp growth situation because unlikely to rise within 2% in US until 2022 which curtailed by unlikely higher taxes due to US Midterm which likely to see some Biden’s policies being smothered

Don’t worry too much about 36% for those invested early this year during the 1st week as already more than 2% this month only beating FD this year without doing anything and take profit at the right time when the ringgit is weaker

Still got 11 more months to go if anything shows 36% risks will be likely at 16% gain for this year and on bullish market will hit 24% or more  rclxms.gif
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Monthly 😁
ironman16
post Jan 22 2021, 03:17 PM

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QUOTE(magicnox @ Jan 22 2021, 03:08 PM)
Hi everyone, I'm pretty new to SA but I've been following this thread for awhile.

I'm 25 years old, after 1 year+ of working, I'm able to save up to 5 figures till date (I'm able to save up to 50/60% of my salary monthly).

I'm considering keeping them in SA simple (I read that it's better than keeping it in FD (?) compared to just keeping in my bank account) & also start investing in SA. I do not have an FD account yet, hence I'm torn with either keeping my savings in SA simple or a high-yield savings account (still surveying that atm)

The recommended risk by the system for SA is not more than 18% for my first portfolio. I put it at 10% for now and have not made my first deposit yet.

If anyone has tips/suggestions on how I should go about it, feel free to share.

Thank you smile.gif
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i cut short bcoz many times been mention:

Save at least 3 months to 6 month salary (more accurate is perbelanjaan) as Emergency fund (unless u said my mom/dad is my emergency fund brows.gif )
- may b 1 month in eFD (2 month oso can, up to u, important is easy to redeem, i choose eFD bcoz on the spot can get my money if i redeem through apps)
- balance 50% in money market fund (SAMY Simple) + 50% in Bond Fund

Extra money baru start invest, u wan in UT/SAMY/WAHED/MyTHeo/AKru/FSM/eunitrust/.............up to u
seen u still young, why dont just go with 2 portfolio, one is Risk 10% as u wish, one is 36% risk to test water
monthly dca without stop, after 1 or 2 year baru decide....

brows.gif brows.gif brows.gif

This post has been edited by ironman16: Jan 22 2021, 03:22 PM
ironman16
post Jan 22 2021, 03:33 PM

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QUOTE(magicnox @ Jan 22 2021, 03:29 PM)
I've already saved 6 months as emergency fund and aim to save at least 1 year (no emergency fund from parents sadly haha) & I'll look into opening an eFD and consider your other suggestions too...

Thank you for the tips, appreciate it!
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if like this, dont afraid......kasi in high sikit punya risk (36%).......apa lu takut..... blink.gif

no gain nvm, kasi 10 tahun i x percaya no gain.......jika no gain oso can throw in tong sampah sudah..... whistling.gif

10 tahun no gain , u tengok semua org tembak lo, u just ikut belakang sembur aje..... devil.gif
ironman16
post Jan 22 2021, 03:46 PM

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QUOTE(SithBuster @ Jan 22 2021, 03:41 PM)
Almost 1 year since I invested in StashAway.

Continue to DCA smaller amounts?
user posted image
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doh.gif doh.gif doh.gif

if u dun wan continue DCA, what is ur plan?

redeem to cash?
redeem to SImple?
adjust ur risk?

hmm.gif hmm.gif hmm.gif

u oledi achieve ur target? thats mean u oledi save 36k n wanna buy car/ go vacation/ kahwin ? hmm.gif
ironman16
post Jan 22 2021, 03:58 PM

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QUOTE(SithBuster @ Jan 22 2021, 03:52 PM)
I didn't say I don't want to continue to DCA  doh.gif  doh.gif

Just bought car, can't go vacation, no fiancee

So no to all three hahaha
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so u only can continue to DCA .......unless u wanna stop from SAMY oledi n may b invest etoro or else.....

u redeem/adjust risk, u will loss in forex.......unless u still wan .... biggrin.gif
ironman16
post Jan 22 2021, 04:16 PM

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QUOTE(SithBuster @ Jan 22 2021, 04:02 PM)
Transfer profit plus start DCA into new portfolio with 36% risk

Good idea?  hmm.gif
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πŸ˜…πŸ˜…πŸ˜…
U will loss due to forex 2 times.
U try experiment it n compared after a few year.
Remember share here for out put
ironman16
post Jan 22 2021, 04:31 PM

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QUOTE(honsiong @ Jan 22 2021, 04:19 PM)
I don't remember adjusting risk will sell USD for MYR, vice versa. If it's like that, will there be USD/MYR forex risk?
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My bad. 😝😝😝
Adjust no forex risk but u sell some etf u hold n buy some etf to balance according to ur target.
U might sell low buy high, or vice verse, no body know.
U can trt gamble if u feel ur lucky enough 😁😁😁😁
ironman16
post Jan 22 2021, 04:46 PM

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QUOTE(honsiong @ Jan 22 2021, 04:40 PM)
It’s 50/50 chance, just DCA and ride it out. Don’t micro-manage it.
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Thats what i want to emphasise.
DCA aje, unless u achieve ur targets.
ironman16
post Jan 24 2021, 09:11 AM

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QUOTE(joefacker @ Jan 24 2021, 09:01 AM)
hey guys, wondering why does SAMY takes such a long time to receive my deposits. I understand it's T+3 days. However I made a deposit on 18/1. Funds have been deducted from my bank account on 22/1, but still not reflected in SAMY as of today. It just shows it's in progress. Is this normal?
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18 January is holiday for US, apa itu Martin..... Junior day.
SAMY will execute converting myr to USD in 19 January night.

Just don't understand why u deposit on 18 jan but bank deduct on 22 January? πŸ˜…πŸ˜…πŸ˜…
ironman16
post Jan 27 2021, 11:38 AM

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QUOTE(AthrunIJ @ Jan 27 2021, 11:30 AM)
Combining portfolio seems fast. Just 1 business day to combine and today probably just waiting for buy order πŸ‘€πŸ₯³πŸ₯³
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thumbsup.gif

bcoz almost same etf ma, just rebalance the portion ... biggrin.gif
ironman16
post Jan 29 2021, 02:01 PM

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QUOTE(KingArthurVI @ Jan 29 2021, 01:23 PM)
I opened an account and deposited some money a few days ago, I just noticed my current weight for my portfolio is weighted 100% towards cash in USD. How many days does it normally take for SA to fully invest this cash into the assets shown in the pie chart? Thanks.
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Sabar, boss like upper ppl said 1 to 2 business day.

Remember use referral code to get 6 months free management fees.
πŸ‘πŸ‘πŸ‘
ironman16
post Jan 30 2021, 04:17 PM

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QUOTE(hedfi @ Jan 30 2021, 03:58 PM)
Thanks for the advice, will take a short break like 2-3 weeks then resume DCA and add a bit more. Don't intend to withdraw for the next 5yrs. First 2 weeks of Jan was shiok, got  about 8% but will look long term
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If u always top when market up n stop when market dip,
Ur profit will less than

Continue dca no matter what happen to market.

Best one is :
DCA as usual,
Top up extra when there is a dip.

Decision with u
Ur choice

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