- I started Stashaway in Feb 2021
- My risk setting is set to the highest at 36%

Basically these two things put together is giving you an underperforming portfolio right now.

36%SRI invests heavily in KWEB which was overvalued and at ATH (all time high) during February at easily 80+ USD per unit. Subsequently it has dropped down to a more logical amount of 72-ish per unit. that 10 usd reduction will impact your portfolio seriously at least for short term

Gotta stick around for at least a year or two 😅😅 you entered at the wrong time really.

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.

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?

Basically these two things put together is giving you an underperforming portfolio right now.

36%SRI invests heavily in KWEB which was overvalued and at ATH (all time high) during February at easily 80+ USD per unit. Subsequently it has dropped down to a more logical amount of 72-ish per unit. that 10 usd reduction will impact your portfolio seriously at least for short term

Gotta stick around for at least a year or two 😅😅 you entered at the wrong time really.

Nobody knows KWEB will tank in Feb. Me too, put in significant amount in Feb. But I DCA more frequently and aggressively during the tank, so it's not too bad now.

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.

Basically these two things put together is giving you an underperforming portfolio right now.

36%SRI invests heavily in KWEB which was overvalued and at ATH (all time high) during February at easily 80+ USD per unit. Subsequently it has dropped down to a more logical amount of 72-ish per unit. that 10 usd reduction will impact your portfolio seriously at least for short term

Gotta stick around for at least a year or two 😅😅 you entered at the wrong time really.

Basically these two things put together is giving you an underperforming portfolio right now.

36%SRI invests heavily in KWEB which was overvalued and at ATH (all time high) during February at easily 80+ USD per unit. Subsequently it has dropped down to a more logical amount of 72-ish per unit. that 10 usd reduction will impact your portfolio seriously at least for short term

Gotta stick around for at least a year or two 😅😅 you entered at the wrong time really.

Looks like this applies to me too, sigh... shouldn't have put in so much at that point in time... after my initial lump sum, I went on smaller DCA amount over the months...oh well, if I could predict the future, I'd be rich, haha, so let time help me, lol

Question:
On the other note, does it matter if I put in more during this low point of KWEB? I know allocation within is a fraction, but, asking in case that helps in any way? Thanks.

KWEB looks to be about stable now, at least for the moment, who knows what might happen in the future.

That said, MYR is moderately strong and USD is a bit weak, so now's a good time as any if judge based on forex 🤣

Looks like this applies to me too, sigh... shouldn't have put in so much at that point in time... after my initial lump sum, I went on smaller DCA amount over the months...oh well, if I could predict the future, I'd be rich, haha, so let time help me, lol

Question:
On the other note, does it matter if I put in more during this low point of KWEB? I know allocation within is a fraction, but, asking in case that helps in any way? Thanks.

KWEB looks to be about stable now, at least for the moment, who knows what might happen in the future.

That said, MYR is moderately strong and USD is a bit weak, so now's a good time as any if judge based on forex 🤣

Technically yes, you will get more KWEB units, however it also affects by USD conversion.

Correct me if I am wrong.

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.

Technically yes, you will get more KWEB units, however it also affects by USD conversion.

Correct me if I am wrong.

KWEB baseline high valuation is a total 72.50 for a long long time hence if buying and believing it now it is the time load up

MYR is strong 2 weeks ago due to rising commodities but this month will be seeing breaching easily 4.15 or maybe even overshoot to 4.17

USD will rise back of bond yields and taper tantrum is back 
Averaging your purchase units but however it will affect your USD portfolio value and averaging RM conversion after units purchase

Thanks, folks for your replies.

Indeed, i plan to stick around with Stashaway for a good 3 years or more so my progressive monthly DCA'ing should pay off in the long run. Let's see how KWEB performs in the following months to come.

Sorry, please forgive my newbness. I get the KWEB part, but not the USD conversion side. Why it's affected by our strengthening of MYR?

Sorry, please forgive my newbness. I get the KWEB part, but not the USD conversion side. Why it's affected by our strengthening of MYR?