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

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SUSyklooi
post Mar 21 2021, 10:55 AM

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QUOTE(xander83 @ Mar 21 2021, 10:48 AM)
I buy both ways because SA it is my benchmark indicator

Why not when my other DIY ETF are different baskets

The only good thing with SA no need to worry forex conversion losses as it is only up to 0.5% impact

2nd thing taxes and dividends declarations which are there is no need in Malaysia

3rd auto rebalancing and optimisation done by SA

You will only understand when youโ€™re doing it on both ways then you will understand why SA it is consider as my FD or fixed income as I know when to trigger buy and sell on a week to week basis
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in your earlier post you mentioned "Buying direct it is not as cheap as what you think as brokerages will need to earn with some sort of underlying fees"

after all the self analytical work you did,...you still worry about the fees?
the extra cost in self ETF is not worthy to have for a better lag time advantage as in SA? (which may have implication on forex and equities pricings)

This post has been edited by yklooi: Mar 21 2021, 10:57 AM
SUSyklooi
post Mar 21 2021, 11:19 AM

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QUOTE(xander83 @ Mar 21 2021, 11:09 AM)
Technical charts are one thing, fees is another thing

The lag time in SA is nothing because Forex rates are on the same day conversion hence minimal impact when investing on SA

Even buying direct ETF there is a lag time because bid price may not appear even when you put in the order directly which you will not have control on SA because the buy price is pre calculated 6 hours earlier before they put the buy order on the same day

The impact is so minimal it less than RM1 or $0.25 per unit unless you are talking about buying a million units which is why you can see on Rm3million it is only costs RM500 per month which is only 0.2%

If you factor in rebalancing charges it is on a smaller account with 0.8% it is still cheaper than you buying multi class asset with fractional units which some brokers do charge on fractional units
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no wonder you do the trading of ETFs using SA


SUSyklooi
post Mar 21 2021, 11:33 AM

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QUOTE(pinksapphire @ Mar 21 2021, 11:28 AM)
After reading so many posts on TWR and MWR, suffice to say I shall ignore the % in my portfolios since they don't have meaningful representation of my returns, lol

I think I'll stick to simple returns per year for now until I can grasp my actual performance from DCA which has different deposit times.
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do you do the tracking of simple returns on your own?
as the forummer has asked this too earlier.

QUOTE(HumbleBF @ Mar 19 2021, 10:14 PM)
MWR, doesn't show its simple return , and yes that is what I'm looking for.

I wonder why it doesn't display simple return
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SUSyklooi
post Mar 21 2021, 11:47 AM

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QUOTE(pinksapphire @ Mar 21 2021, 11:40 AM)
I just started, and don't really track since still new in this.
Also, I plan to stick to this for some years (unless they suck so badly), so don't want to actively track as long as they don't go deep under. I take it as a passive aggressive investment on the side.
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ok noted...
you will do lump sum investment or having DCA set in?


SUSyklooi
post Mar 21 2021, 05:33 PM

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QUOTE(pinksapphire @ Mar 21 2021, 04:01 PM)
Initial lump sum, then DCA.
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Ok, noted.
My current thinking is I will only do lumpsum n no more DCA.
Thus I think I will just do a cagr calculation
SUSyklooi
post Mar 21 2021, 05:35 PM

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QUOTE(tadashi987 @ Mar 21 2021, 03:53 PM)
just curious if there anyone who withdraw to joint bank account before? Stashaway accept?
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I hv not tried, but I think I read from sa, that joint a/c is OK.... Just need to hv it inside their system.
I think I "read it before"
SUSyklooi
post Mar 21 2021, 11:20 PM

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QUOTE(Murasaki322 @ Mar 21 2021, 11:11 PM)
Stashaway vs ETF via broker
https://www.reddit.com/r/MalaysianPF/commen...away_vs_dca_in/

albeit some info and calculation are not so accurate, what's your view?
Small to moderate capital - stashaway, high capital and free time - diy?
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last page has some postings by Xander83 on why he chose SA over ETF.
SUSyklooi
post Mar 21 2021, 11:55 PM

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QUOTE(pinksapphire @ Mar 21 2021, 11:43 PM)
Mind to share why only do lump-sum yea? Nothing wrong with it, just interested to know since most people here does DCA.
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Dont hv continuous extra income stream to do dca
SUSyklooi
post Mar 22 2021, 08:11 AM

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QUOTE(HumbleBF @ Mar 22 2021, 02:57 AM)
Yes I do, monthly
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saw this while exploring SA...
seems like the value of Simple returns calculation will only "auto appears" when certain conditions are met...


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SUSyklooi
post Mar 22 2021, 11:32 AM

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QUOTE(Hoshiyuu @ Mar 22 2021, 11:26 AM)
Well, if we are lucky, and Stashaway (as a platform) grows to a point where they can afford current US-robo level of fees, the incentive to go DIY will lower.

^^ if SA offered 0.3% flat management fee (not accounting for ETF fee & forex fee), I would happily ditch all idea of DIY and all in SA.
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i saw this in this site
https://www.stashaway.my/pricing

Any additional amount above RM3,000,000 0.2%
Currency conversion fee charged by our vendor for MYR deposits to USD and GBP portfolios: 0.1% on the spot rate

so can it be said to be 0.3% only?

SUSyklooi
post Mar 22 2021, 12:48 PM

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QUOTE(Hoshiyuu @ Mar 22 2021, 12:34 PM)
I wouldn't say so, since their fees are tiered, so your first 50k will always be 0.8% -

At RM50,000 invested, your annual fees are (50000*0.8%) = RM400
At RM100,000 invested, your annual fees are (50000*0.8%)+(50000*0.7%) = RM750
At RM250,000 invested, your annual fees are (50000*0.8%)+(50000*0.7%)+(150000*0.6%) = RM1650

Being a pessimist, I don't see myself having more than RM2mil by 50y/o in SA even if I went all in - that means at least half of my investment is >0.3% fee, with a quarter of it >=0.5% fees
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Alamak... My bad, I forgot abt the tiered things,
Thanks for showing.....

SUSyklooi
post Mar 23 2021, 01:11 AM

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Just saw this in SA Singapore.

thus just be aware of its possibility of happening in Malaysia too....

Scammers have been impersonating StashAway on WhatsApp
18 March 2021
https://www.stashaway.sg/r/scammers-imperso...way-on-whatsapp



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SUSyklooi
post Mar 23 2021, 09:32 AM

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QUOTE(blstz @ Mar 23 2021, 07:45 AM)
recently jumped on the bandwagon and started investing in SA
currently im investing in two portfolios, 30% and 22%
to me i treat 30% as sort of an equity portfolio, 22% as balanced

just some questions that i have because im new to SA/etfs, hope some members here can help to clarify  hmm.gif

1. is it better to invest more money into the 2 portfolios that i currently have or to have more portfolios (36%, 18%) to be more "diversified" and to cover more bases

2. is the asset allocation for my 30% the same as all other investors that are holding the 30% portfolio also?

3. if say i were to invest in 2 portfolios, 30% and 36%, would there be a big overlap in assets allocation for both this portfolios? for example both risk portfolios invest in IJR and XLV, is it just the difference in how much im buying into the etfs?

notworthy.gif
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for this,...maybe you can try this?


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SUSyklooi
post Mar 23 2021, 10:47 PM

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QUOTE(jacksonpang @ Mar 23 2021, 10:42 PM)
Please don't have the mindset that SA straightaway let you earn money in 1~2 months. It's all depends on the market.

My new risk profile created last month still in negative region, and so far these 2 days market still going south. It's for long-term investment, not short term trading profit.
user posted image
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mind telling your RI?

lumpsum or with DCA?

i was trying to have a "feel" of the results from Mid Feb till now......
SUSyklooi
post Mar 23 2021, 10:57 PM

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QUOTE(jacksonpang @ Mar 23 2021, 10:50 PM)
36%

The graph you can clearly see it's DCA ๐Ÿ˜…๐Ÿ˜…
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Still new to sa... Not know how to tell if it is dca or not...so now can see the steps are meant to be dca...
With dca it is still - 2.x%...
Any where to see how the 36% performed since mid Feb without dca in SA?
SUSyklooi
post Mar 24 2021, 11:37 AM

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QUOTE(leanman @ Mar 24 2021, 10:32 AM)
Does that means now is a good time to invest more into SA because of the dip? I am still learning on this and at the same time educating my son on this
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my take,
usually in a quick talk....YES buying after the dip from ATH is definitely "cheaper" than those who had bought it at ATH.....but are you comparing with them for your investment goal?
if YES, then do you still want to keep investing when your investment had reached ATH in the future? Will you exit all and then try to reenter again so as to try to get "cheaper" than others again?
you may escaped buying at ATH for now, but will you escape other ATH highs in the future?
additional factor to consider...
depends on the % of dip from ATH (if it is just 3~5% lesser, than not much of impact over the long run)
depends on the % of sudden jump from normal trend before reaching ATH (if it moved 200% from normal in a year, then it dipped 30%......it is still higher by 170% from last year)
depends on your investment style,....lumpsum or DCA (lumpsum is to take the opportunity to buy Cheaper than others that bought at ATH)
depends on your % of initial deposit amount in relation to your DCA amount (ex: if you deposited RM10k then RM200 pm or you deposited RM1000 then DCA RM200 pm...there should be a variance in results)

thus generally,...just follow the 2 posts by Hoshiyuu....then should be alright.


SUSyklooi
post Mar 24 2021, 01:22 PM

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QUOTE(Macam Yes @ Mar 24 2021, 01:18 PM)
seem complicated.
need to choose what to buy?
not Stashaway choose for us?
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you just need to choose your preferred risk index to have
SA had already preselected the ETFs to buy for you in relation to your selected Risk Index

if your next question is "Which StashAway Risk Index Should I Choose?"
then refer to this link
https://www.stashaway.my/r/which-stashaway-...ould-you-choose

This post has been edited by yklooi: Mar 24 2021, 01:24 PM
SUSyklooi
post Mar 25 2021, 11:28 AM

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QUOTE(honsiong @ Mar 25 2021, 11:25 AM)
People love StashAway until their asset picks underperformed.

https://www.reddit.com/r/singaporefi/commen...tment_strategy/

https://investmentmoats.com/money/comparing...-robo-advisers/

Yes it's mostly buay song with 20% GLD.
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if i remembered it correctly,...i think many said good things about its decision of adding GLD into the portfolio...when gold was rallying

This post has been edited by yklooi: Mar 25 2021, 11:30 AM
SUSyklooi
post Mar 25 2021, 11:30 AM

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QUOTE(MUM @ Mar 25 2021, 11:16 AM)
hmm.gif just noticed this....

wondering why a lower RI has a benchmark that is higher than those of higher one?
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ohmy.gif confused.gif
SUSyklooi
post Mar 25 2021, 11:31 AM

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QUOTE(DragonReine @ Mar 25 2021, 11:30 AM)
Diversify sometimes can bite in buttock especially low risk.

the low SRI got some international equities, fixed income, and commodities mixed in which does lower earnings than 100% pure bonds portfolio laugh.gif but risk is lower than just bonds la
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but with high benchmark returns confused.gif

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