I agree with your viewpoint actually. I have been invested since Feb 2021. not even 6 months yet. i know it's a very short time, i'm not judging the returns at the moment.

I feel that the reoptimising is a fancy way of telling investors like us that they are doing something. it just sounds cooler marketing wise when they tell potential new customers the reoptimising part.

i do find it very weird why i'm losing more exposure to US but have some random 10% to australia. But i will stay invested and observe, since i did just start. but i will not stop looking out for other options while contributing monthly to Stashaway.

Times are different now with covid19, hence the new optimisation ?

Is StasyAway Singapore also changing ?

Is been bad. 1.5 years at 6%. Where akrunow, is 12%. I started akrunow just November last year, SA since 2020 January.

Indeed SA is under performing. I'm not sure of there change % of kweb, it has gone to all time low, should SA double down on it?

Using akrunow. Yea didn't change allocation since inception, I'm getting more returns than stashaway.

Try and tested method by Warren buffet.

where's the toxicity? i mean yeah if you are not comfortable with SAMY, why stay? it's your hard earned money can leave anytime.

Good for you then 😉

This post has been edited by xcxa23: Jul 22 2021, 11:15 AM

just some information about performance comparison for some people....
if i knew it then, i would have entered that one and sit tight for 20 yrs since then

This post has been edited by MUM: Jul 22 2021, 11:20 AM


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with the reoptimization. just wondering is it a good time to put in some fresh funds?

i'm currently on 22% risk. just started, continue 22% or diversify to 36%?

since if, I cannot tell what the future hold,
since if, I had selected SAMY as one of my investment of choice,
since if, I cannot tell SAMY to change its holdings,
since if, I had some money i wanted to put in,.....
then i just put them in ....

into the SRI that i had been comfortable with.....be it 22 or 36......as long as it suit me,...then i am ok with it

but if that % of money in SAMY is just kacang putih in relation to the % of my overall net worth, then i would go for go for highest SRI,...just for some andrenalin rush having known that it can never impact my sleep/blood pressure no matter what happens.

duly noted with thanks. 36% it is then!

They are actually very smart about taking profit from US equities from their ATH. According to every cycle analysis US been in a inflational growth and very overvalue. I agree with their decision on US reits, emerging market and China equities. I am comfortable with managed portfolio tat make rebalance based on changes in macroeconomy instead of sticking to one etf then i might as well dca myself.
Perhaps you are the one who need to read more on the news, CPI, debts ratio, M3, 10 years treasury bond yields.

This post has been edited by Msxxyy: Jul 22 2021, 12:11 PM

Just saying, whenever stashaway reoptimized, my portfolio mooned following it.

Papa Freddie, do what you wanna do <3

Freddie akan jual semua etf yg terlibat tukar dr usd to rm? Lepas tu covert RM to usd beli etf baru?

no conversion to RM.

The last update lasted 14 months.

The alternative is open a brokerage account and go full on boglehead: buy VWRA and hold. That's as passive as investment can get.

Not a very informative input. 14months isn't a long time.

I'm not here to bash SA decision, but asking the question why. Why those new allocation.

Although SA is set and forget, still have to know the reason behind it. I don't think answer like ' our AI and algorithm did their things''.

I'm not sure why everyone is so defensive of SA instead of being neutral just keeping them accountable.

Stashaway MY will have a webinar on 28 July 2021 to dive into the details about the re-optimisation and answer any questions you might have.

Date and time
Wed, 28 July 2021

19:00 – 20:30 +08

register
https://www.eventbrite.sg/e/webinar-ask-me-...66821?aff=email

Those are exactly what hedge fund trying to do. Time market and stock picking. That said, maybe they will release a new podcast explaining that new allocation.

Mind that my allocation is huge, close to 6 digit I did say, and I have never withdraw any amount. And having another competitor platform with half that allocation earns me same.

Raise anyone's eye if u are in similar circumstance. Anything I bought this year in SA is been a flat line, US etf bring up and kweb down. Can say all the earning I have it was the bull run last year(which is everything.

Now with just comparing this year SA vs my other portfolio, it has been a huge difference. Mindful that 6months is just way too short to draw a conclusion who is better.

Just laying down the statement here, no need to be defensive, everyone here just want to know more about what they getting into.

as long as SA did not break the statement that my portfolio has a 99% chance of not losing more than the given SRI percentage in any given year....i am ok with it.
there no point demanding that they are accountable or want them to answers for the lower than expected returns compared to other platform.....
why no point......bcos did they agreed that you will get XX% pa for your investment?
there is ONLY 1 point that i liked....a forummer just don't liked the AUTO optimization of his/er,...he/she just sell off before the auto reoptimization exercise.

demanding this, demanding that just for "self release" in here is self satisfaction only....
if really want to ask....go join and ask during the webinar....

Keeping them accountable abit too much, I mean invest does not mean will only profit.

But I do agree with asking questions. All of us started as newbies and by asking question only we may learn something. But some ppl here are so quick to defensive.

This post has been edited by xcxa23: Jul 22 2021, 02:25 PM