Not high all because all breakdown by economic sector like healthcare, consumer, staples and small cap hence consider balance due portfolio with Gold and Bond Hedge

If you want high allocation by all means just one type of ETF

Won't ever happen like that on SA hahaha, SA's ERAA won't allow them to over-allocate like that because it's incredibly risky (link is SASG but SAMY uses exact same method): https://www.stashaway.sg/r/stashaways-asset...ation-framework

Scroll down to Pillar I: Economic Regimes Determine Asset Allocation and onwards for specific scenarios on why you'll never get 100% DJI and/or S&P 500 with SA's approach to risk management. They went into specifics about why they added non-US economies into their recent reoptimization here: https://www.stashaway.my/r/portfolio-reopti...-global-economy

If your goal is 100% in those markets you'll have to DIY, cheaper to DIY anyways but initial entry cost GG la, check here: https://forum.lowyat.net/topic/4744515

This post has been edited by DragonReine: May 20 2021, 10:35 PM

Hi guys i notice for SA Simple Vs Versa many suggest versa as it can withdraw quicker. What if i put my emergency fund in 18% risk index since SA etf can withdraw in 3 days consider similar to versa, currently not many forum in facebook or LYF to discuss about versa. I check on the statement sheet it also shows that SA simple have higher returns than versa just that the downside really is long withdrawal time

what is the SA and affin enchaned deposite return for the YTD? How much different?

SA regular portfolios are subject to market losses, so it will be dangerous for you to put your emergency funds there because emergency fund is meant to be
1) stable - what if you need the money but your 18% RI portfolio currently has 10% loss? Withdrawing it means realising your losses.
2) liquid - 3 business* days(?) doesn't sound all that liquid to me, but up to you I guess.

they are meant for long term investment, which are more likely to come back in green given a few years for market to go (usually upwards).

ppl discuss Versa n Simple at here....u can flip2.

https://forum.lowyat.net/topic/4962773#


i will say Versa is better between Versa n Simple....
actually not much different, unless u put a few million in it
which one is better depend on individual though.....some ppl dun mind late a bit to get the money, some ppl priority is time frame to get the money....

ur choices....

This post has been edited by ironman16: May 23 2021, 05:57 PM

Actually not much difference just like 0.10~0.2%

Currently converting to Versa but still wanna check the pros and cons so sad versa cannot do recurring payment,SA is more mature interm of user friendly

Based on 0.25% returns being paid by SA to compensate the management fee and the slow process of withdraw, Versa still beats it in return because you will gain interest on the extra 5 days redemption period

Return wise it is -0.00001 different per unit so to justify it unless you are long term holder with compounding you will see the difference with at least 50k invested otherwise it is minisicule

Hey guys, I'm on 36% SRI. Some of the invested ETF will give dividend right? Is there any way we can know when dividend will be declared and the percentage?

i didnt go with versa, but i go with Allocate plus (by Affin Hwang).....i lump sum deposit at pay day, serve it as emergency fund.....really cant survive baru i redeem .....so , no recurring oso nvm bcoz during pay day i sure will deposit it.....gerenti remember

Have to track the underlying ETFs on other sites. SA will show "planned dividend" in assets when they're in the process of receiving dividends but if you want to get actual declared rate have to follow the individual ETFs elsewhere like MarketChameleon

For 36 SRI most of the ETFs pay on incidental/annual basis, since they're equities heavy fund which don't give steady monthly dividends like bonds.

See my footer - fixed deposits remain the best choice for emergency funds.

Don't seek to earn anything with your emergency, it should be liquid fund you can withdraw in ATM quickly.

Actually SA ETF withdrawal time is 4 to 5 business days. Sell order 1-2 business days, convert to MYR currency around 1 biz day, then transfer to your bank account around another business day.

As for whether want to park emergency funds there, I won't recommend it as emergency funds should stay constant. "Growth" should be the least of your priorities for choosing a place to park emergency funds.

Even 6% SRI have a chance to dip into negative if market turns bad, and when economy bad is when you're most likely to need emergency funds in case you get fired or lose source of income.

If you really want "growth" the safest and easiest way to grow emergency funds would be high yield savings accounts, or some hybrid FD+SA products like Frank by OCBC which can give you around FD rates of interest, with the advantage of instant withdrawal time.

This post has been edited by DragonReine: May 23 2021, 08:28 PM

Usually it is end of June and Dec subject to your unit holdings and discretion of the ETFs makers

Hi guys, anyone knows what is Domestic Ringgit Borrowing (DRB) on SA, if yes or no what are the difference in terms of investing?

What is domestic ringgit borrowing (DRB)?
https://www.stashaway.my/faq/900000198566-w...t-borrowing-drb

How would StashAway invest my money if I have domestic ringgit borrowing (DRB)
https://www.stashaway.my/faq/900000198226-h...t-borrowing-drb

BNM notice 3...
PART B: INVESTMENT BY RESIDENT ENTITY

Entity without Domestic Ringgit Borrowing
3. A Resident Entity without Domestic Ringgit Borrowing is allowed to invest in Foreign Currency Asset up to any amount.

Entity with Domestic Ringgit Borrowing
4. A Resident Entity with Domestic Ringgit Borrowing is allowed to invest in Foreign Currency Asset up to—
More...
https://www.bnm.gov.my/documents/20124/6036...rency+Asset.pdf

If I have 2 or more bank loans, Stashaway Malaysia prohibits me from opening an account?!
https://howtofinancemoney.com/stashaway-malaysia-review#16

Thank you for the info!

Sometimes I see a RM150 return on my RM10000 SA fund and I'm tempted to cash out and wait for the funds to drop before I top up again...

It just keeps zig zagging between a +150 to -150 range but after a few months it still never actually goes up steadily on average.

Now it's negative return again.

i just cash out. then buy went in when big dip. money not yours if did not cash out. else just dump money in , don't care up or down