The best part of consistent DCA into a diversified portfolio for a long term horizon is that whether it goes up or down it's still just optional (and to some, entertaining) news LOL

If it goes down, it's a discount, if it goes up, I just made money from previous discounts.

This post has been edited by Hoshiyuu: Aug 25 2021, 10:10 AM

Haha, don't jinx it first, later it's a dead fish jump and we drop another 40% tomorrow 🤣

Yeap, it's removed.

https://forum.lowyat.net/index.php?showtopi...ost&p=101528808

It's alright, time in the market and so on.

Bro, let's not do personal attacks and dig post history... Two wrongs don't make a right, let's just move on peacefully in this thread...

Haha, funny you say that, I have an low risk portfolio in SA exclusively to convert and hold my money in USD, even after spot rate fees and management fees it still comes out cheaper than anywhere else...

I have an IBKR account, cost ~2USD to convert from SGD to USD, if I wanted to store SGD, I just put them in CIMB SG account, just RM1 fee with good rates.

Plus they are more troublesome, everything is manual and finnicky. Just auto debit SA and lump sum move when they reach a certain threshold is much more easier, hahaha, plus if I am lucky I even get a 2-3% profit to cover the fees with spare

I actually choose the 10% SRI port because it has the best reward:risk ratio for me, and I am happy to either take a 10% dip or wait for it to bounce back 10% for the purpose of my money in this portfolio.

I created this portfolio on the ATH disastrous entry point of February 2021 - it's sitting on 2.7% return and never dipped below negative, which serve my purpose perfectly. I am basically using it as an far more illiquid Stashaway Simple/Versa, with the good side of storing pocket changes in USD at very low cost at any amount.

Stashaway primary purpose for me is actually a money management tool due to their robust auto-debit system, really. I started saving so much more since I started "paying myself" in such a forceful way.

I use Sunway Money - though, I do double check with other remit options when I plan to do it (hence the troublesome part) - but for the most part, its Sunway Money. Transferwise/Wise, and occasionally BigPay when I can get cashback out of it.

Getting hostile, chill guys, too much emotion in investment not good for anybody...

Funny you say that actually, I've been putting some money in CI Galaxy Ethereum ETF (ETH.X)...

Oh nah, it's not related to Stashaway. Just thought you'd be interested to know its existence since you asked. I think SA is very unlikely to touch crypto if they maintain SA's core philosophy. Its just something I am buying on my own since "SC-compliant" way of holding crypto in Malaysia is incredibly limited.

bro you making money they no need to comfort you

lai lai SA, where's mine...

Or a paper invitation to watch their online webinar 😂

Strong agree. Some would say "whats wrong with that, its just SA offering options, you don't have to choose it" - but offering the option itself to begin with is very un-Stashaway-like.

Imagine if Vanguard suddenly offered their user a disruptive technology ETF or something stupid lmao

This post has been edited by Hoshiyuu: Sep 23 2021, 06:47 PM

They are very responsive on WhatsApp, you can try that.

Can check back last few page, some discussion there.

Some want to try, some don't like it.

I'm in the firmly wont try it group.

Bro... Malaysia currency is more likely to change from 1:3 to 1:15 in the next 5 years... I don't even keep more than 3 months salary in RM...

besides that, currency risk is normal... many ways to mitigate it

This post has been edited by Hoshiyuu: Sep 29 2021, 08:25 PM

All these talk about new portfolio and here I am pondering about the reality that my Stashaway portfolio have a higher TER/MER than a canadian crypto ETF 🤣

Now we know who are the big investor in this thread ^^

I'm surprised they didn't offer like a voucher for 1 month fee-free in the goodie bags.