I have been sifting through the threads 1005-this page, and notice mentions on the 'KWEB debacle' - what was this about actually? my bad for not picking this up earlier, but I was caught completely unaware about this

Thought these "robo-adviors" means that they can act ojectively, and not making decisions based on "noises" or have I completely gotten it wrong when it comes to what "robo-adviors" actually does?
Sorry³ !!
This is weird, coz aren't "robo-adviors" meant to make sound decisions not based on market noises ? At best, they should know what positions to take, like on whether to continue holding poitions or to switch portfolios ? Or again, have I gotten what "robo-adviors" actually does ?
Uffff this has to hurt. But to be fair, the NAV is far below the highs of 2021 ? Like I think from the date they sold until now, the NAV hasn't reach the highs of 2021 ? Like making this decisions to leave not as bad - unless you meant to say they should have left in 2021 ?

I have invested fully on a 36% risk rating (lump-sum once, and a top-up the following month. In other words, two deposits. Invested since Jan'20 until now. In the black but the returns isn't anything great. Question is, do I keep in the investment, or switch over to SA Simple?

Hold up, a further check and it seems that MYR returns is positive (~+130) but my USD returns is in the reds (~-65) ! If I were to liquidate my investment, which one am I getting.... net positive or negative returns?

Then I guess it is not too bad, so if I can gauge whether this investment suits my investment profile, it is okay to leave it there compared to switching to Simple? Hmmm my dilemma is between the two only, so I am not keen on leaving SA at the moment

aaaaah okay, thanks for the clarifications. So the idea is to not convert to Simple, but to switch to flexible portfolio! There any issues I might face, like maybe I am gonna get hit with conversion fees or something?

I can't seem to find what the price is for 2 ETFs in a flexible portfolio. Would it make sense to have 2 different flexible portfolios with a single ETF thereby incurring a 0.3% fee each? Or should you have 2 ETFs in one portfolio and incur > than 0.3%?

what do u mean? if i were you, i can create 2 portfolio, for instance

• Portfolio A - ETF 123
  Deposit Rm300, allocate 99% of my money in the portfolio to that
  
• Portfolio B - ETF 456
  Deposit Rm1000, allocate 99% of my money in the portfolio to that
  

US markets dipping now. time to dump in more

What to look for?

Can say it in short and simple why it will dip even more next week?

It still depends on whether they'll raise the interest rates right? If they do, and if they don't, it's different outcome. Incorrect?

anyone here got put in RM 500, 000 into Stashaway ?

how much is the management fee like ? I saw 0.2%-0.8%

so they calculate like this right RM 500, 000 X 0.8% = RM 4000 (Management fee right ?)

Interest rate unchanged

Gonna be green I guess..

Mine is not flexible portfolio (0.3% is for flexible portfolio. Even thematic portfolio doesn't have the 0.3%). Mine is original % risk index portfolio that was created by Stashaway Malaysia when it first started. Only can choose the % risk and nothing else. So I don't even know how many ETFs are in the portfolio. Looking at the asset class, it just tells you the general locality  or types of assets it holds in %. Don't tell you the specifics.. That's why after Medufsaid replid and I think a bit, I think mine is just based on general % based on $ amount invested

Its ok. Not going to bother anymore for time being as have decided to close my portfolios after not looking at them for a long time. 1 of my portfolio actually have negative returns if in USD. 
I think if I didn't find this thread, I would have continue holding them

There's another data coming tomorrow?

I thought have to wait till December

I somehow think there won't be any hike this year.. but we'll see.

same here, I am on negative currently   

but no choice, have to cut the loss and move on

parkiu SAMY for talking how great the robo is, end of the day it's just not smart enough o0o

only thing considerable is SA simple for it's flexibility

Since the implementation of 0.3% fee for single ETFs (flexible portfolio), does anyone know if if this is cheaper than purchasing them from Rakuten?

Currently using Rakuten to purchase individual US ETFs but UI/UX is not as good as SA and many don't take into consideration that there is a buy/sell spread when converting MYR to USD on top of the usual buying and selling fees

Thank you!

hm... u can try create ur own investment portfolio if you have some etf in your mind instead of use their default portfolio. i start by using SA default portfolio. not great but not too bad either (my personal preference). i am not investment or econ savvy person... but now i only focus on selected etf..
i hv restructure all my etf in SA and manage on my own using SA. means i only select etf that i wanna buy manually and my return close to 10%. some say there are better platform but again its personal preference.

Does anyone know whether the 0.3% fees for flexible portfolio includes the expense ratio of ETF?

For example if I buy ISAC (expense ratio 0.2%), does the 0.3% already inclusive of the 0.2% expense ratio by ISAC, which means stashaway takes 0.1%

Or it is 0.3% on top of what ISAC charges, which is 0.2% + 0.3%?
I know it's not simple direct addition but I'll just do that here to keep the example simple.

Anybody try and heard of Airo Etf? Another Etf platform for Malaysian coming up.

https://www.airo.my/

Edit...

Just discover there is a tread about it a year ago

https://forum.lowyat.net/index.php?showtopic=5262243&hl=Airo

But looks not many one seems interested on it.

oh ya this is true also...  we never know the exact buy/sell price of it... a downside of it.

Isn't the transaction price shown in the app transaction history and the monthly statement?

I don't think can change region. I'm not IT person but the user database should be separate.

Have to open fresh account, but might want to ask StashAway Singapore if can convert from Malaysia account, find them in social media.
The politicians says negara kecil senang urus.