You still cannot compared equity because SA doesn’t buys 100% equities on US as well 🤦‍♀️

You should apple to apple instead 🤦‍♀️ when the proper benchmark would be ACWI

The benchmark here is how well SA allocate/manage the equities in the right region /companies/sector.

And that benchmark to beat is snp500.


SA is suppose to buy any equities in any region /companies/sector so that it can beat the snp500.

If they can't beat snp500 , it means that their active asset management on the equity side is not able to outperform the passive SnP 500 index.

This post has been edited by Drian: Mar 30 2023, 05:43 PM

Not everything in the world revolves with SnP500 and you are wrong to benchmark with it because it is only for American listed companies 🤦‍♀️

You want to benchmark that just buy the biggest 50 American companies and when the US economy collapse good for you then 👏

SA benchmarks are proxied by MSCI World Equity Index (for equities) and FTSE World Government Bond Index (for bonds). The benchmarks we use have the same 10-years realised volatility as our portfolios.

So you should benchmark it with ACWI or VT or VTI ETFs rather than taking a wrong benchmark again as you are just comparing like a Tesla and a hybrid Toyota 🤦‍♀️

I'm all for shitting on Stashaway, but at least be reasonable.
I'd like to see where did Stashaway annouced their mission statement is to beat the SP500 index.


SP500 is an incredibly US-centric index, while most Stashaway portfolios have a more balanced international:us ratio and not pure equities.

I would put every single cent I have access to into Stashaway if they are such miracle maker that they can create a portfolio with a mixture of Equities, Bonds, Fixed Income, Cash that is globally diversified and still outperform a raw equities SP500 only portfolio.

That's simply not how it works. You pick Stashaway because you want to minimize volatility without losing too much upside, not to outperform SP500.
https://www.stashaway.sg/r/debunking-high-risk-high-return

You are so far off the mark that I ended up agreeing with the local misinformation spammer and defending Stashaway. That's how far off you are.

This post has been edited by Hoshiyuu: Mar 30 2023, 08:54 PM

Don’t bother explaining to him as even he is just comparing equities end 🤦‍♀️

It is just like buying a Tesla and comparing with a hybrid Toyota 🤦‍♀️

hi. any sifu here can comment profit YTD on the few difference risk account - like 16%, 22% and more adventures 36% risk ?

Found this, ...
Move the slider to your desired SRI and then view the YTD result.
Caveat emptor, ...not sure how accurate that reading is.
https://www.stashaway.my/

I can tell you YTD for 36% barely gains and it is coming from more from GLD and XLE gains while XLK is still is on low loss about 3%

Anyone would be able to shed some light on why my RM is positive but USD is negative? Want to get understanding of it. Thanks.

RM +450++
USD - 500++

Since your deposits, USD strengthened vs MYR. MYR weakened so you get more MYR, but if you were earning USD and depositing that, you would have lost money.

If you deposit at 2021 you would be gaining in RM while losing USD because the ETFs is currently is mostly in a loss 🤦‍♀️

Perhaps this can helps you, ...

How Currency Impacts Your StashAway Portfolio
https://www.stashaway.my/r/how-currency-imp...haway-portfolio

Forex gain

just to update ppl here....i cash out all my SA managed portfolio and custom made my own in stashaway now. i only buy what i wanted e.g specific bond or specific etf....
still this seems cheaper than other etf offered by other platform... cheaper as in if i just wanted to buy one ETF with rm100 entry point.. let me know if there are others..

Where on earth you can buy one ETF for rm100 🤦‍♀️

Even the cheapest is already at more than usd25 hence more than rm100

Why bother with SA while paying fees yearly 🤦‍♀️ when you can buy cheaper and fractional at IBKR 🤦‍♀️

Just remember not to be penny wise pound foolish! As far as ease of access go, Stashaway is pretty high up there considering the fees and general experience compared to other options.

This post has been edited by Hoshiyuu: Apr 4 2023, 06:59 PM

with so many countries against USD now, having all in US equities seems like a time bomb

thats why i m asking on options if you have the list, do share...

Mind sharing what etf buying platform are you using now to custom made your own portfolio now?
Mind list out What etf have you bought that has entry price of rm100 for your portfolio?