^^ the harder the it drop the better as long I am confident with the underlying stuff, I got plenty of time.

Been eyeing SPY all morning hoping it to drop by 10%

Been reconsidering about being in Stashaway recently, and it's not about KWEB, I'm actually okay with that.

I originally entered Stashaway because:

1. It was the easiest way for me to access international market

2. I wasn't able to trust IBKR with my portfolio

3. Great automatic way to pay myself first and manage money, cheap way to turn my MYR into USD.

4. My monthly investment amount generate too much fees anywhere else.

Fast forward ~6 months later:

1. I am comfortably using IBKR now.

2. I am happy to have my entire portfolio in IBKR.

3. Sunway Money + IBKR offers me easy and cheap exchange to SGD and any other currency.

4. My income is increasing that I might be able to invest monthly with 4USD fee / <1% of my monthly investment amount.

So I am slowly losing a reason to pay SA ~1% p.a. to be stuck in arbitrary sector ETFs. Admittedly this isn't much at all if SA is indeed bringing me ~15% p.a. returns.

Opinions welcomed!

This post has been edited by Hoshiyuu: Oct 3 2021, 11:29 PM

I run a two fund portfolio on IBKR - I "rebalance" just by deciding whether I deposit into asset A or asset B per deposit, and since I deposit once per month, the portfolio is basically rebalanced monthly barring major crashes (>10%) which then I'll do it manually.

SA's ~0.7% is purely SA management fee not accounting for underlying ETF's expense ratio, which is ~0.2% - i highly doubt this is the case for thematic ports.

The ETF I hold are all accumulating ETFs - the dividends get reinvested automatically.

Withholding tax is deducted first before reinvestment, and if I am correct, SA tries to claim back a portion of the WHT for the users.

I'd rather just put it in OCBC Frank and call it a day after testing Versa, SA Simple and the other guy, forgot the name.

What additional function are you using to hit 2.15 if you don't mind? Monthly commitment and bills payment?

-11%, not within expectation but still very much within tolerances. Not increasing monthly amount anymore and no longer doing extra lump-sum when market drops. Just gonna maintain this amount of DCA and ride it out.

Might consider fully withdrawing and exit Stashaway when I am net positive in a few years because I have not much use for Stashaway anymore.

🤣🤣🤣 The feedback probably not proportional too, up 17% before correction "not bad not bad, not as much as I hope but good return, I made a good decision to enter", down 1% "haih I knew Freddy cannot be trusted, sohai fake ai (nobody said it was), sohai gold KWEB allocation, why not just buy sp500/VOO and hold"

Most that complained here seems to have a common trend of losing around 10% in a portfolio rated to have swing up to 36% per year ....

This post has been edited by Hoshiyuu: Oct 6 2021, 09:47 AM

Hey bro! I think I saw you before in Bursa ETF thread.

Here's a benchmark portfolio I made to track this since February. I created this near peak so should be representative of one shot lump-sum during ATH.



Here's the same portfolio under daily deposits. The drawdown is bigger because I increased my deposit during the first major drop.



This post has been edited by Hoshiyuu: Oct 7 2021, 02:48 PM

you can have any amount of portfolio at any amount of SRI, just that whether its meaningful or not...

i went from -13 to -7%, thats pretty nice I was gonna post last night "no one talk when it go up" but tehoice beat me to it XD

And thematic folio too

Hmm, it just occurred to me, that if I needed withdraw a little during market downturn, I can't exactly have SA to withdraw only from the less affected "ballast" assets, similar like how you would spend from the bonds assets for a couple years during bad times while waiting for equities to recover.

If I have to withdraw ever I'll just have to realize the whole thing 🤔

This post has been edited by Hoshiyuu: Oct 15 2021, 11:07 PM

Today is a good day 👀

yeap XLE is at 18% gain for me, still, only 10% weight

only at 6% loss now, not bad. Expected to be -10% until mid 2023 at least.

This post has been edited by Hoshiyuu: Oct 20 2021, 02:05 AM

yeap, -6% on total portfolio, lowest I've hit is -13%, which is barely a dent compared to buying into this manually during February 😂

I bought it at 9.2? I think via ETF, I did lose 1/3 of value. It wasn't too much so I didn't mind. Probably just holding until break even then I'll exit, I didn't like the ETF that much anyway and it was bought when I haven't got an IBKR/Stashaway account

wow first time see -5% haha

the ironic thing is, I am going to fully withdraw if i hit 10% profit, but I would happily continue DCAing if i lost 30% tomorrow 😂

I think there is a FSMone thread, might be able to get value added reply there, not sure if much people use that in this thread.