yup confirmed

You made up the AI part, Stashaway doesn't use AI.

They literally wrote a blog post and sent an email explaining why the switch, and you are here commenting as if they are making the move without explaining.

Regardless, whatever that performs wins my allocation. At this moment stashaway is doing opposite of that.

ROBO advisor no AI? Or at least based some algo?

If u are going to just lick off stashaway's boot, I may ignore u now as there isn't any informative input.

If we on the same boat, have a look of your past 6 months deposit, and how much they generate.( to be fair 6 month is too short for discussions). I merely asking why the constant re opt?


I was silly to expect an decent discussion, feels like a cult here. To think that SA is all right is a bit of a tall order, I have my reserve.

This post has been edited by littlegamer: Jul 22 2021, 03:38 PM

Stashaway does not perform, it only generated 74% return few months ago. What a terrible return, dogecoin did way better.

All mentions of "Artificial Intelligence" by Stashaway

74% returns of this year deposit or total earnings since inception?

Don't mistaken what I meant.

If 74% from Jan to June, I must be blind.

This post has been edited by littlegamer: Jul 22 2021, 03:48 PM

I dont know what to conclude from ur statement other than having 6 digits allocation has little correlation with basic investment knowledge.
Well. Cheers. All the best abd haply investing.

Stashaway assets dont perform, limited to 1 year time horizon.

Basic knowledge says dca, and hold for long term. Only sells when the fundamentals has changed.

Go to 6 months. U do know that if u buy early says 2020 dip bull run June to December 2020, that whole part contributes the majority of earnings?

Just scope down this year and see. But anyway not going to debate u. What I see now is from January last year I dca until now my earning is about 6 7 %.



This post has been edited by littlegamer: Jul 22 2021, 03:52 PM

I think you're misunderstanding the point of funds like Stashaway.

If that's what you want to do, set up IBKR and DCA into an index fund. Why pay the unnecessary management fees?

It's stashaway's job to determine if fundamentals have changed. And according to CIO Freddie, things have changed.

It seems like you are probably a boglehead, maybe you should just buy VWRA and chill. (I also hold a lot of VWRA and VXUS)

I'm going to ignore u for now. Just licking off SA boots, not benefiting me. Thanks for your input. Not sure if u get that much satisfaction giving half ass answer like your 74% earnings.

In a way my % gain will never catch up with you even I stick with the same plan as you, as u might started SA earlier ( dca regardless, I suppose that's what we both are doing).

For that I'm dca-ing 2 platform, only time can tell.

This post has been edited by littlegamer: Jul 22 2021, 03:56 PM

You only invested for 6 months, you already got 6-7%... That's almost 12-15% p.a., way higher than S&P 500 average annual return.

I was using stashaway for 17 months and got -23% during 2018 trade war xmas crash.

BTW Stashaway being so diversified, it means that stashaway will almost NEVER outperform pure equity indices ETF like VTI, SPY etc. But stashaway just has less brutal drawdown when market goes red.

I may have mis stated my statement, i say again. I deposited dca stashaway from last year Jan till now. During this year Jan I put same allocation else where.

Now when I view SA the MWR since first deposit is 6 to 7%( this gain is from last year bull run), not the additional amount I contributed this year. To be clear, means that last year December I'm earning is X, now I see back despite adding more money, I still earning X, the figure is same with some daily fluctuations.

Where my other portfolio gets me 10%.


Then here comes my question, are the reopt justifiable? When kweb dropping and now reopt ( re opt means sell some allocation and buy other allocation, correct me if I'm wrong).

Again I'm not trying to say SA is wrong, nor because I earn that 10% over 6 months then I'm expert investor,i don't mean any of that Just want to know, how effective are these re opt, compare to me just buying high allocation sp500.

Warren buffet and Charlie says just buy sp500 ( just quoting them, not trying to ridicule SA reopt), how does Warren advice vs re opt in comparison. Thats all I need to know.


In addition to that, I think we shouldn't look at the MWR over '' since first deposit '', some oldies here started since inception, their MWR will triumph anyone that just started (duh), to look at a fair stage, should compare year to year.

I hope I have set the correct debate ground. I rmb vaguely someone here posted something regarding SA might not outperform sp500, but will have lesser fluctuations, don't quote me on this, is from my faint memory.


This post has been edited by littlegamer: Jul 22 2021, 04:14 PM

I have been using Stashaway since 2017Q3, my core portfolio has been through 3 reoptimisations, they have been doing stellar quarters following the reopts.

I will stick to stashaway for my defensive portfolio, while I use vanguard ETFs for very long term portfolio to save management fees.

Just in case u didn't realize, I'm doing the same thing what everyone here is doing dca regardless, consistently

I'm not sure what's my level of knowledge is but certainly not far off from everyone.

The only thing difference is I'm asking a question. And there goes your low key insulting ppl's '' knowledge ''

Now we are moving somewhere.

Your defensive strategy does it mean u like lesser fluctuations?

Are u in SG? Was it easier to invest in Vanguard?

if you have deposited since january 2020 then you also likely experienced negative returns in March 2020 which have now bounced back to 6 to 7%. if you clam to have six figures investments i am wondering how did you dca..?

Defensive... yeah, and diversified, managed by professionals.

I used to live in SG but now in KL. If you wanna buy ETFs directly check out Ziet Invest youtube channel on https://www.youtube.com/channel/UC-h5sZ-O_4KbdzPy6hxYd9g

1. Open CIMB Singapore account
2. Open Interactive Brokers, or Prosperus, Moomoo etc

I consider Ziet the best finfluencer in Msia right now. He doesn't shill for any particular services at the moment, more honest than Jason Leong, Suraya Ringgit oh ringgit, KC Lau actually.

This post has been edited by honsiong: Jul 22 2021, 04:47 PM

if want to buy and forget,...historically S&P 500 has a better chance....this better chances also has to be dependent of when you buy it and for how long before you EXIT....

i think your "experience" is similar to another forummer had expressed just 2 months ago. He has 2 SAMY port (both Old and new)
he compared a before May 2020 SAMY port (heavier in S&P) with another SAMY port that are reoptimizes in May 2020, which was more diversified
his "OLD" port performed better, this few months back

my take is,
SAMY is not a buy and hold investment style platform ....for they are charging mgmt fees.
there is a different between buy and hold investment style between investor like us and the management of the investment platform like SAMY.
we investor buy and hold in SAMY for we think that SAMY will "NOT" buy and hold without changing its composition
if i wanted a buy and hold for long term non active investment port,...i would not go for SAMY....why pay them annually for doing nothing

same goes for FSM management portfolio....we buy it for know they will manage it for us and we paid them for it....
same goes for any unit trust funds too.....we buy them knowing that the fund managers will get "good" stocks for us

while we let them manage it for us,....the decision of where and how to allocate it is their prerogative...

if after some time,...if we feel that it is NOT performing as expected.....we EXIT

same as employing a staff to help us in our business.....if he cannot perform,...get him fired.

YES,....the fact is true if comparing the last 10 months....i think S&P500 has performed much BETTER than any platform that has KWEB & GOLD in it.

YES too on this " someone here posted something regarding SA might not outperform sp500, but will have lesser fluctuations,"...for the composition in it is different....., BUT again,.....depending on when that data are being made and till when will that data stopped....example, those that got into S&P500 6 months before the DOTCOM burst or Sub-prime crisis starts, would have said...."damn...should not have placed all my eggs into this S&P500" during his review 3 years later







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