StashAway macam just updated their graphql API. My scraper using their API v1 and `x-client-identifier: webapp@2.26.0` request header stopped working.

Anyway, switched to /api/v2 and x-client-identifier: webapp@4.4.0. Anyone else scraping stashaway here?

You need to understand more on bonds.
Central banks judge the pace of growth, and economic expansion.
If they think equity, growth and especially inflation is getting out of hand, then they will start to raise interest rates.

When this occurs, companies who need money to invest, will need to RAISE interest on their bond coupons, beyond interest rates to attract investment. The nett effect becomes the investor then will decide that a bond coupon is actually a safer and higher yielding investment than a piece of share of the same company that issues the bonds, and also higher yielding than just saving it in banks.

This means he will either not price the share so high, or he will sell the share and buy the bond instead. This is the trigger of a bear market. This is what it means to be in the bear market.

All this is actually very natural in a capitalist accounting world. An Equity is a shareholder liability, and a bondholder is a debt liability. They both exist in the balance sheet on the same side. After the debtor, next the bondholder has the second right to collect the debt to the amount owed (Principal+interested and bonus), but has no right to a share of the profits or the assets which the shareholder has. When a company is bankrupt, the shareholder has a certificate of a proportion of the remainder of the assets which in theory you liquidate and distribute.

This could be old news but I just realized we can direct debit to SA Simple. Previously cannot 🙃

Direct debit is no good. Better schedule jompay or GIRO from your bank site instead.

if nothing happen is ok.......if something weird happen.......kasi debit until ur account become zero baru u tahu.......after that take a few day investigate n return.....that time u makan mee maggi aje.....

2) Really? Is that what you doing? Actually i already whatsapp SAMY before i posted and they tell me bank do 100/week... app do 400/month =.=
4) Thanks!!

I see thanks for the split info .. for the peak yeah too bad haha anyway i just start small and just plan to DCA weekly for 10-20 years ... not gonna look at anything.. treat it as a forced savings since i have bad money management lol .. see money in bank want to use, better auto transfer away to SAMY

If small sum you don’t need to worry much because if investment savings SA is consider solid because of their strategies and coupled with the lower fees which hopefully goes down more in future

It is currently peak on consolidation so if you just put it will definitely grow for sure just VCA with the right value in order

thanks, can lose money also


direct debit means, ? auto debit simple to portfolio?
why no good?

you mean autodebit from bank savings account better?

i dont think is this reason, takkan system so lousy, money can simply credit into a stranger person

i suspect no good becos you waste time money on sell-withdraw-buy......waiting for him to clarify

Previously got happen one time, many ppl with direct debit kena, deposit until acc almost zero, that time many ppl 😡.
SAMY said not their problem, is the company that handle direct debit ( for SAMY)

Who know future thing. 😂

i remember it was called curlec
anyway i still use direct debit because i believe with the previous fiasco, they must have taken extra measures to prevent similar occurrence again

ya......hope so......

but i seldom use direct debit in my investment......i prefer manually / jompay through SI

Haha I remember that news back then. But luckily I use my secondary bank account to direct debit instead and inside only got a few K. If they DD all I won’t suffer and have to eat Maggi 😅

......this is what i do with my investment acc......use the secondary acc.....any thing happen oso nvm.....

Since EPF guarantees 2.5%, it should viewed as a bond. Therefore investing in SA which in fact is a basket of mostly equities, it must beat the 2.5% by a long margin to be acceptable.
i would like to see it beat EPF by at least 2.5+5 over a 10 year period.

fuh USA equities meltdown. gold also crashing interest rates not even raised yet

Almost wiped out the unrealised profit for me. March 2021 flashback lol

when it needs to go up, it will to go up.....


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As I always say, if your portfolio is down, you just haven't zoomed out enough.

Been depositing 1k every month. How come my total returns still stagnant at rm500-rm800 monthly? Risk appetite set to 22%

cause the market had been stagnant for past few months?