The income was deduction from expenses and if you notice there was amount of rm15million being taxed 24% which you attached on the right hand corner due to income from corporate bonds

For tax expenses it is about 0.02% of ter based on the amount

aaahh, now i see the RM15 million tax value,....but now when i added up those value,...why is it the same value as "Income not subjected to tax"?
which is why the value of income before tax is SAME as income after tax?

This post has been edited by T231H: Jul 22 2021, 01:53 AM


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24% of the total income is taxable according to IRB as corporate tax of 24% which is taxable towards AmInvest

The question do they absorb the taxation or try to reduce the taxation through expenses which lowers the income payout to unit holders

2nd the value of income how does AmInvest declare which needs Deloitte and the auditor on how they come out with those figures because this isn’t 1st time happening with local funds

The distribution schedule because monthly basis should be shown as month to month accounts for better transparency

I'm not too confident on stashaway keep changing portfolios and reotptimizing.

To be frank the amount I put in here can consider huge. The percentage of gain average just about 5 to 6 %, this was throughoutast year January to this date. Which mean the high and low I also dca.

I do not understand since they said is an long term investment, why do they keep buy and sell?

I had akrunow there half the amount of stashaway, at the moment already exceeded earning at stashaway at half the time.

Also the real estate (housing in US), is at all time high, is allocating that much logical? Then a sudden shift to Australian etf.

I always thought is buy and hold, but SA keep doing all these buy sell buy sell,which is against the rule of long term investment.

What do you mean keep buy and sell? They reoptimised like once maybe twice in a year. Is that too much for you?

Long term investment also needs periodic review to see if any adjustments are necessary.

Think it was mentioned before also, if someone is strongly opinionated in their investment strategies, then stashaway is not for them since it cant be manually controlled apart from the risk %.

That said tho, pretty interested to know why they chose australia for the reoptimisation.

Very interesting SA reduce 12% of GLD significantly from 30% RSI and allocate it to IJR in 36% RSI.

If you think GLD is better, you should hold 30% RSI.
If you think IJR is better, then you should hold 36% RSI.

**SRI (Stashaway Risk Index)

then switch over to Wahed. they never change their funds for years

Unfortunately I forgotten the allocation.
So can't make full comparison.

Really interested to see what's the performance if stay Vs optimization

can use Yahoo finance app to plot your current holdings and then check back lor

O well. Gotta believe in SA for now. Until better opportunities to buy oversea stocks at a relative cheaper price.

Haha
Waiting for SA to plot it, to show user how well ther robo AI perform with their each optimization.
If it's good, damn SA user base gonna grow exponentially

Actually, there's many fintech, heck even some bank overseas allow Malaysian to open account with them. I'm using those to directly buy US stock and etf

Recently there's one local institution finally support this, MIDF
Tho the fees are on hefty side but pros are they are locally regulates.

This post has been edited by xcxa23: Jul 22 2021, 09:29 AM

Yup, waiting for locally regulated 1 for now. Midf still quite expensive with the fees.

Recently I got an issue when trying to topup SA fund via One-time deposit plan Interbank GIRO (IBG).

I got this giro inward return C from MBB. not sure what is the problems, tried few times also same, all SA reference code /Recipient reference / account number inserted correctly and bank transfer limit is correct too.

Before that, I regularly top up via one-time deposit plan Interbank GIRO without a problem, just this starting this month cannot. wondering what is the problem..

have you tried telling/asking Stashaway?

Actually haven't, but will try email their support team to see what is the reason

if SA plot it later you say it's misleading pula so far all their optimisations had proven successful

Once a year is really quite frequent. Investing in etf index fund should be set and forget. If every year they change the asset allocation how are we gonna see the long term growth.

Is not strong opinion, is just dosent seems like this is long term investing. Event asbn takes few years to see result. I just used SA for 1.5 years already repot 2 times.

Warren buffet says just dump in to sp500 is the easiest investment we can do, over 90% of hedge fund manager fail to beat that in the long run.

And here I puzzled how SA keep switching asset allocation, and why.

then i would suggest you to ignore everything and just look at the MWR no need bother about reoptimisation as long as you profit

Lol.. dude hold your horses and chill..
SA comparison chart with their SRI and you don't see me said it's misleading

This thread is pretty toxic
Members question about SA decision and gotten respond like if you don't trust SA, do it yourself