what do you have in your DIY? is it better or worst than SA hehe?

I can tell you in many years S&P 500 is going to outperform SA. S&P 500 is 100% equity stocks while SA is filled with bonds & gold etfs. Plus I am not going to mention fees vs S&p500 etfs like VOO.

See my post of SA above. SA purpose is not to max performance.

Simple for DCA to portfolio purpose. So far it looks okay to me.



Regarding calculation. Not sure how they calculated. If I take end bal unit less previously dividend in unit, then multiple the dividend rate, can get very close the figures.

its called diversification and passive management. A bit too overwhelming if we actively managed 100% of the funds

Now:


Today morning:


A follow-up today morning issues,
I had reported the miscalculate dividends and the sudden wiped off total return via WhatsApp

Now it seems back to the correct amount and returns the missing dividend to my SA-Simple.

If others have these issues, might just report to SA. At least they solve my problem.

This post has been edited by Nelsonz: May 7 2021, 04:49 PM

Back to normal

So far better, but I'm a conservative investor and I only started a few years back mostly blue chip dividend stocks, and I lucked out on investing in a bit of glove stocks just when it was starting to rise, all in all only 7-8% pa on average right now. Whether this stays up is another problem I'll worry about 10 years later LOLOLOL

But back on topic, I don't think SA will outperform pure equities market because it's very heavily diversified and risk-managed, which is why I said my benchmark is around EPF level haha

This post has been edited by DragonReine: May 7 2021, 11:11 PM

Anyone know what happened to their weekly market commentary?

Notice one is rebate one is dividend. I believe both is not related. I too get the rebate today, but my stashaway simple is empty. I withdrawed all few months ago.

i masuk little bit bit saja
dont even plan to withdraw
just leave it there

https://youtu.be/lLC9pY1KZuc

Just out 4 hours ago

KWEB was overvalued hence now it is time to add up more because it is valuation buy a trust the current price which is just nice because last week was golden buy again

With bond etfs performance of 3-4 percent in SA portfolio, this is going to pull performance down compared with annualised 10% 30 year average of s&p. But not many people has can stomach the volatility of s&p500, so SA has its place.

Don’t get me wrong, I love SA and i just wish people have more reasonable performance expectation of SA.

Agreed. SA's strategy is for diversified asset classes and risk management, which lowers volatility at the cost of lower capital gains.

If people want rocket to moon, SA is not the platform for it, KWEB notwithstanding

Indeed.

This, yes.

Yes and yes. Btw, you've met your short term goal so fast already? Impressive, lol

I think people who are disappointed are those who expect SA to give them high xx% returns PA, beat UTs and fast yields too.

SA should rebrand themselves to correct this understanding, though the name itself says pretty much, hehe... people just need to be reminded to have perseverance and consistency.

I learned something new now. Even as I said after 2 decades and 2 crashes, I'm still learning.

So yes, SA is unlikely to outperforming S&P500. Interesting. The new 36% RI does not. Not sure about the old one, if anyone still has the formula.




So here it says we have achieved very very similar performance and maybe a lesser pain in the max drawdown. My first thought is this is still not underperforming for sure, but at the same time perhaps a waste of fees in the long run.

Checking in with you folks.

Background:

- I started Stashaway with an initial capital investment of RM10k in Feb 2021 and every month, i allocate RM1k to be deposited into my investment portfolio. To date, i have deposited a total of RM13k as of May 2021
- My risk setting is set to the highest at 36%

Question:

- I noticed that over the past 4 months since my initial capital investment, i have never break even or seen any positive returns when evaluating my portfolio every month
- Are any of you folks in the same boat as i am whereby in the past 6 months or so, you have noticed negative returns month on month?

When comparing Stashaway's robo advisor performance against my Public Mutual's portfolio performance, i'm quite embaressed to say that my Public Mutual porfolio out performs it by quite a large margin month on month.


Attached thumbnail(s)

mind sharing, the asset composition or funds region/countries/sector exposure of your this PM's portfolio?

I can guarantee it's because of KWEB. When you dump in 10k in Feb 2021 KWEB price is at the highest. And KWEB takes up 20% of your portfolio. That's why you're seeing negative right now. Keep dumping in RM1k per month and by year end you might see some difference.

BTW..... you just invested for 3 months..... StashAway is for long term. Keep DCA 1k per month and compare with your mutual fund again in another year time shall we?

Have you factored in the associated fees/charges?