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

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GrumpyNooby
post Apr 18 2020, 06:57 PM

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So everybody is trying to time the market? hmm.gif
GrumpyNooby
post Apr 18 2020, 07:04 PM

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QUOTE(stormseeker92 @ Apr 18 2020, 07:01 PM)
Not really time, per se, but to add value to whatever money depositing, by depositing before/after weekly announcements from the gov etc..
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Don't forget there's still one effect that you may have overlooked which is the MYR-USD forex effect even though it could be negligible if your DCA amount is small.

Also do note that the MYR-USD movement is also rather volatile too in the past months/weeks.

This post has been edited by GrumpyNooby: Apr 18 2020, 07:04 PM
GrumpyNooby
post Apr 19 2020, 10:12 PM

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Are the answers to those questions are readily available in xe.com? hmm.gif

MYR vs USD or SGD vs USD trend chart ...

This post has been edited by GrumpyNooby: Apr 19 2020, 10:12 PM
GrumpyNooby
post Apr 19 2020, 10:19 PM

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QUOTE(stormseeker92 @ Apr 19 2020, 10:15 PM)
Sorry. Couldve checked myself. Should I be concerned when I get less when convert MYR to USD? Used to be RM500 = $120. Now its RM500 = $114
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Isn't this concern that I have raised that raised before?

MYR vs USD is rather volatile in recent weeks.

But as I said if your DCA amount is small, the effect could be insignificant.
GrumpyNooby
post Apr 19 2020, 10:30 PM

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QUOTE(stormseeker92 @ Apr 19 2020, 10:28 PM)
Not something that we can control either lmao
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You're right. Either you can just DCA as usual.
Or you time the market.

Timing the market seems a little tough:

1. SAMY inconsistency
2. MYR-USD movement
3. US market movement prediction and expectation based on macroeconomic news
GrumpyNooby
post Apr 19 2020, 11:28 PM

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QUOTE(onthefly @ Apr 19 2020, 11:27 PM)
members are using this function - Schedule recurring deposit
to DCA ? or manually put in money to SA ?
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DCA
GrumpyNooby
post Apr 20 2020, 12:08 PM

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QUOTE(Jitty @ Apr 20 2020, 12:06 PM)
Any guide how to transfer the fund from account 2 to stasgaway?

Thanks.
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Use iLestari to withdrawal to your CASA.
From CASA you can do a direct debit/fund transfer/JomPay to SAMY.
GrumpyNooby
post Apr 20 2020, 02:11 PM

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QUOTE(woonsc @ Apr 20 2020, 02:09 PM)
I have 10% risk level for my emergency fund
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You dump your emergency fund in SA? blink.gif
GrumpyNooby
post Apr 20 2020, 02:43 PM

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QUOTE(fjoru103 @ Apr 20 2020, 02:42 PM)
Ooo did not know can use EPF to invest in StashAway too, is it same as using EPF invest in Fund Supermart?
Which is utilizing Account 1 right?
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Not same.
iLestari is out from your Account II.
Meaning the money is withdrawn to your designated CASA during registration.

This post has been edited by GrumpyNooby: Apr 20 2020, 02:43 PM
GrumpyNooby
post Apr 20 2020, 02:51 PM

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QUOTE(fjoru103 @ Apr 20 2020, 02:48 PM)
Sorry er what is CASA?
Since withdraw from Account 2, let say RM3k then its withdraw RM3k?
Cause the fundsupermart I reckon is utilizing Account 1 to minus a fix basic saving figure (depends on age)
then up to 30% of the remaining figure can be utilize for investment
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CASA: Current Account/Saving Account
Yes for Account II
Yes for EPF-MIS Account I as there's restriction up to 30% of your excess saving in Account I.
GrumpyNooby
post Apr 20 2020, 03:03 PM

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At risk rating of 8% and 10%, SAMY still invests in XLV.

Once risk rating drops to 6.5%, XLV gone. Somehow, GLD is still there.
GrumpyNooby
post Apr 20 2020, 08:29 PM

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QUOTE(myBlanket @ Apr 20 2020, 08:27 PM)
I don’t quite understand how it works. How come there’s no movement at all since yesterday and today? Even on Saturday there’s movement.
Anyone can enlighten me?
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US market closes on weekends (Malaysia Sunday and Monday); i.e no trading activity.
Malaysia Saturday is US Friday.

NYSE time is 12 hours apart (DST starts) from us.

This post has been edited by GrumpyNooby: Apr 20 2020, 08:35 PM
GrumpyNooby
post Apr 21 2020, 10:22 AM

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QUOTE(dummies @ Apr 21 2020, 10:20 AM)
may i know where you got this information from? I tried to find it from SA, can't find it...
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Edit your existing portfolio by changing risk lever.
You should be able to spot the changes.
GrumpyNooby
post Apr 21 2020, 01:54 PM

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QUOTE(woonsc @ Apr 21 2020, 01:53 PM)
It's according to the underlying market asset price, and yes the price is super volatile
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The best comment is "cheating" laugh.gif
GrumpyNooby
post Apr 21 2020, 02:02 PM

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QUOTE(woonsc @ Apr 21 2020, 02:01 PM)
Nowadays everyone just follow what ppl are doing, and when things go against them, it's cheating. Haih.
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When your profit is big (earning a lot) from the same platform, that is not cheating though? hmm.gif
GrumpyNooby
post Apr 21 2020, 02:07 PM

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QUOTE(kelvinfixx @ Apr 21 2020, 02:06 PM)
Stashawy is legit, investment in stashaway has risk, not every day earn money.
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People expects it to be behave like MLM or any skim cepat kaya (like JJPTR).
Only positive region matters.
GrumpyNooby
post Apr 21 2020, 02:36 PM

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QUOTE(awyongcarl @ Apr 21 2020, 02:16 PM)
That is hardly surprising given how easily you can make an account and start investing with StashAway....
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Opening account doesn't mean you will invest.
Some just opened the account and employing wait-and-see approach.
GrumpyNooby
post Apr 21 2020, 03:58 PM

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QUOTE(honsiong @ Apr 21 2020, 03:56 PM)
That's how hellogold count "customers" as well, I called them out before, but they insist "it's a funnel".

Startups, leads vs customers are different k.
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Isn't this called counting the eggs before they hatch? hmm.gif
GrumpyNooby
post Apr 21 2020, 09:17 PM

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QUOTE(Drian @ Apr 21 2020, 09:14 PM)
Does anyone have any breakdown on the portfolio for Stashaway lowest risk settings?

I'm planning to use Stashaway lowest risk settings sort of like an FD in USD, assuming Stashaway puts the money in US Bonds.
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This one?

user posted image
GrumpyNooby
post Apr 21 2020, 10:25 PM

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QUOTE(Drian @ Apr 21 2020, 10:20 PM)
ahh still got 11% equities .

ok
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Apparently seems like it, the 11% allocation in VGK: Vanguard FTSE Europe ETF
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