saw this from this "old" articles
https://www.fundsupermart.co.in/main/articl...antage_Fund.pdf


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SA is a more diversified port, that are having just abit of S&P 500 in its portfolio compared to S&P500 graph....

especially if said cash is MYR

because KWEB aka china heavy, pull down the performance, u will say otherwise when KWEB aka china rebounds

Want to consult you guys, my first experience with Stashaway 3 months ago, i parked RM368k in, then WD all, gotback RM368k + 478.70.
After withdrew all, later found out got rebate RM108.61,
so total profit i got =RM478.70 +108.61 =RM587.21

Then i found out today i got 2 dividends from previous parking:
10.3.21 Div RM583.58
8.4.21 Div RM85.02

So my parking rightly should gain the above DIV RM668.60 plus rebate RM108.61= RM777.04

Anyone can shed some light why i only got RM587.21?
the difference of RM189.83 is it management fees or ?



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Money market funds can actually drop, they are not savings or fixed deposits.

This blog article explains how stahsaway simple is affected by huarong: https://investmentmoats.com/money/huarong-d...cash-solutions/

Basically if got debt write offs, you lose money!

This post has been edited by honsiong: Jun 17 2021, 03:26 PM

I have been putting it for 9 months, only earn RM 40 maximum.

depends on the amount and the risk level selected too....
if just RM100 placed in and get back RM40 in 9 months......that is wonderful

What percentage of risk is recommended on Stash Away? In terms of gaining

how much gain are you expecting?

constant gains without chances of losses or what % of losses will be bearable before quiting?
how long do you expect to see gain happens?

here are 2020 Stashaway performance
https://www.stashaway.my/r/our-returns-2020

This post has been edited by MUM: Jun 17 2021, 07:10 PM

You're right.
Hope SA can safeguard our investment and yet bring us capital growth through all the economic cycles.

if you can actively manage your SA, switch into 6% SA during bear market and switch back to 36% during bull market
if you are young (means you can afford to keep for 10-20 years) and want to do it passively, you can pick a high ratio like 30%-36% as it'll go up in the long run

This post has been edited by Medufsaid: Jun 18 2021, 09:46 AM

Another market timer. Except this fella is worse.

If you can see bear or bull market coming, you shouldnt be using stashaway, you should buy calls and puts.

Also if ur portfolio crashed ady, switching to low risk realizes the loss, shouldnt one go higher risk after a prolonged and deep downturn to ride the market up higher?

Lol, I’ve put in for 12 months now, initially deposit is RM3,000

Last 1.5 months put in 22k in total, now earn RM4xx-6xx, it dropped yesterday.

Well said, SA is used for long term investing.. if you wanna time market by doing all this short term gesture, might as well go do intraday trading.

This post has been edited by Bendan[520]: Jun 18 2021, 10:37 AM

my initial deposit was 1k, then I DCA every few days. Currently standing around 3k.
hope eventually the SA will out run S&P 500 return.

In a very long run, stashaway should not outperform pure equities portfolio.

the back test data does not support your hopes.

if you want to have SA to beat S&P500,...just be prepared to be disappointed...

http://www.moneychimp.com/features/market_cagr.htm


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NOOOO don't do this.

When you switch SRI, StashAway will sell off the units in the sectors that aren't relevant to the new SRI (read: convert into cash) to buy units in relevant sectors, which means REALISING YOUR LOSSES.

Do this constantly and you'll LOSE money from all the buy/sell orders happening and increase chances of buying high/selling low because of SA's delay.

You want to time market, go trade in stocks. Not StashAway.

Stupid advice