I don't think investment can be late.
It's just that they are being introduced to stashaway recently. Also, SAMY came to Malaysia last November. So its quite new to us.

On a side note, if want short term return then stashaway is not the best investment vehicle.

U can't really calculate it. Its just a prediction generated by the system. U see the green area? That's where ur investment may be at the given time.

Some of them entered during the peak, eg sp500@3000+
Also when myr was 4.21/4.22 territory vs usd

Some risk is performing better than b4 though. 18 to 20 for eg.

Lump sum on 2020 dip u mean?

Why separate?

Just focus on one risk will do
Invest the rest somewhere else

Different deposit time?

...
Seriously guys
Just pick ONE risk that suit u guys the best and stick with it.

Unless u guys got multiple goal like
Buy car
Buy house
Retirement

This post has been edited by neverfap: Oct 7 2019, 06:05 PM

I think most thought that by creating multiple portfolio, they can diversify their investment.
But the fact is that the ETFs picked by StashAway are already sufficiently diversified for each risks.

There's also some that wanna monitor which % perform better.
Yes, there will be a better port for sure. When market downturn, the low risk one might be the one stand out. When bull market, the higher risk one will be the one on top.



Here's a few suggestions.
If really wanna diversify then pick 36% and 6.5% given that the user heavily invested in StashAway. Half to the higher risk, half to the lower one. Or can choose to go for 50 bond 50 equities port. (~15% risk index)

Unless the amount u deposited into SA is huge like 100k or something more, there's no point to split it imo.
If wanna diversify then maybe can invest part in SA and part on other investment vehicle like ASNB, Bond Fund, Bursa Malaysia (REIT, banks etc), Money Market, S-REIT, Forex, Crypto etc.

StashAway is a robo-advisor that provide us option on passive investing (also give us the option to invest in US market), what we need to do is set the risk and deposit consistently.

If wanna take more control on the investment then SA might not be the right choice. There's a post about DIY SP500 Index Investment here by Alexkos

This post has been edited by neverfap: Oct 8 2019, 01:03 AM

What if in the future 2 to 3 years still the same?

Totally agree!


Always remember this phrase
"Time in the market is better than timing the market"

Deposit can be from other account while withdrawal can only be done with account with matching legal name iirc

Thanks for correcting

No Change of Beneficial Ownership

The holding of these risks are almost similar.

Why wanna divide?
Unless u r investing for 4 different users in ur account or else I see no point in dividing them.

Take ur allocation for example
(6.5 + 10 + 14 + 18)/4 = 12.125
So take 12/13% will do.

The app is not updating it's amount for 2 days already
Though u can still check it at the withdraw amount section

Money-weighted return & Time-weighted return as displayed in the app

StashAway
Twr: 11.93(usd)/14.03(myr)
Mwr: 12.27(usd)/14.66(myr)

Risk index started with (from April) 18% then 22% then 36% along with increasing allocation to other fixed income investment vehicle.

Edit: Above is just one portfolio and I haven't invest in MyTheo. Too many investment vehicle very hard to track.

This post has been edited by neverfap: Oct 24 2019, 08:32 AM

Dollar Cost Averaging (DCA)
Deposit consistently whether its daily, weekly, monthly, annually

Have u ever consider moving to DIY index fund instead of using SA for lower fees?