what happen when we dont get the projected return? we get less? get nothing? lose capital?
if you are refering to Simple,...then YES to all your probabilities...

we get less?
if it did not hit the projected returns,...then YES, we will get less (than the projected returns)

get nothing?
since Simple put our money in Amincome fund and this fund hold xx% of debt papers, in the event of exception of unforeseeable circumstance, there is a rating downgrade of a debt paper, the price of it may fall, thus the NAV will fall too, BUT but since the other holdings of the fund are still getting income, and if the total income obtained from others are equal to the value of fall in the value of the debt paper, then there will be no gain, thus YES, we will get nothing

lose capital?
since Simple put our money in Amincome fund and this fund hold xx% of debt papers, in the event of exception of unforeseeable circumstance, there is a default of a debt paper, thus the NAV will be impacted, BUT but since the other holdings of the fund are still getting income, and if the total income obtained from others are less than the value of defaulted value of the debt paper, then there will be losses to that fund, thus YES, we will lose capital.

yes because there is no guaranteed return stated in Simple so you should stick to FD.

after understand all these, simple in my perspective went from "almost risk free" to "anything could happen"

thank you

Stashaway termed Simple as,....
Is StashAway Simple™ risky?
This is an investment, so there is a level of risk, but it’s incredibly low. The StashAway Risk Index for StashAway Simple™ is 0.1%. That means you have a 99% chance of not losing more than 0.1% of your AUM in a given year.

https://www.stashaway.my/simple

but when a lendng got defaulted, it takes away a big chunk isnt it?

if that happens.

what would you do next?

if big losses happens in simple?

i dont know, FD?

we are here partly because we are lazy or unwilling to spend time to study investing, right? (and effortless access to international markets)

really dont know where else i can withdraw

Nothing in life has no risk???.. and nothing is guaranteed except death and taxes...
If you can't accept the risk, then go and get real psychical gold and keep in your secret hideout. That also there is a risk of people finding out where you stash it.

latest department of stats for June 2021 shows the CPI has raised... which is a general indicator for inflation as well.



Money market funds usually I use it to park temporary millions of dollars if at the moment i dont know what to do or where to allocate my funds and positions... i don't use it for long term as an investment tool.

if you want low risk... just reinvest back into EPF... whatever additional money you have... or any PRS savings scheme..

Me and wifey has been using stashaway and with proper DCA and risk portfolio... you can earn a good 12% APY above.. on time weighted returns... which to us is good enough..


Again this are risks which we're willing to take.. main thing is to diversify and not put all your eggs into one basket...

big chuck or not, depends on the max % of value the fund are allowed by its mandate to hold a particular debt papers.
and also how much % of the total probable income of the rest of the holdings to cover that defaulted papers...

example,...if the value of the defaulted papers is 40 million,
if the income of the rest of the holdings in that fund can covers 99% of it, then it is not big...

you need to calculates the total income of that fund from the annual/financial reports, then calculates the value in the top debt papers to determine if it is a big chuck or not....

btw, this big chuck or not is also subjective to many others,.....a 1% can be a big numbers to you but others may only says BIG if it is 10% (for they will see the rating of it too)....

annual report
https://www.aminvest.com/OurFunds/UnitTrust...rt/AmIncome.pdf




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If you are lazy, then no one can help you. Its like learning to swim online.
No, many here who are successful actually have plenty of avenues to invest, including brokerage accounts to go for individual stocks, and even options, futures trading.

Another extreme example is using the Simple, which is actually classified as parking facility - yes, like parking your car in the parking lot while the operator pays you some money for the temporary use of your car. It can crash or suffer some dings, but usually it works out beneficial for both parties.

But ultimately your car (or your cash) if you park it there permanently will only ever get the 2.4% at most. If that is your idea of comfortable return then by all means go for it.

For most of us, it is just a side benefit while DCA or cash out from broad based ETF investment, which in the past can be from negative to 17-20% per annum returning.

why put in SIMPLE when there is SSPN.
historical CAGR of SSPN had been BETTER than Simple....

Deposits in SSPN are guaranteed by Govt while SIMPLE has no guarantee of anything from anyone but fees from Amincome

Some time I scare SSPN change back to old time withdrawal policy.

What else can I say except thanks

Seems like spending time to study about investments is inevitable

not only is it inevitable. It is continuous.

i only shoot those people who complain just invest 3 months and saw negative on the portfolio and complain sini and sana
they treat it like stock market adui

Tencent got news again. Maybe StashAway sees something we don't, hence they put in China tech.

Something careful something greedy something something.

Wah Singapore broker war is all out, another robo advisor endowus cut their single fund fee to half. WTF.

The biggest SG robos are stashaway and endowus currently iirc. Both have > USD 1B AUM.

Holy shit, I hope stashaway cut fees also.

Already knew since 2 weeks when KWEB got hit hard and it will still hit harder and longer this time

This is dangerous.

To say that investing in SAMY = no need to study investing is blind confidence, which is about as intelligent and sensible as playing 4D to win big.

You must and should read about SA's approach and their underlying funds for portfolios, and invest in SA if you believe that SA's approach to investments align with your needs and preferences, not just main tikam think past performance = future performance.

if you want genuinely mindless investment might as well park in EPF/SSPN, sure guaranteed dividend (whether high or low dividend is another problem lol)