I'm trying to find historical record on their Simple fund. but there is almost no information on their website. any idea where can find?

The underlying fund is AmIncome fund, you can find the details here. Please correct me if I am wrong.

https://www.aminvest.com/OurFunds/UnitTrust...PHSAmIncome.pdf
https://www.aminvest.com/eng/IndividualInve...dOfferings.aspx



Corrected below. It's been a long while since I logged into Stashaway.

This post has been edited by Hoshiyuu: Apr 16 2023, 02:35 AM

Amincome funds has been replaced by Eastspring Investment Islamic Income Fund

https://www.eastspring.com/my/funds-and-sol...s?fundcode=E026

why not buy the fund directly? save on fees

If want mmf

Suggest

Go+ 3.5 3.6
Versa 4.0
Kid 3.5

I put go+ top due to the liquidity. Versa cash I I haven’t try. So far Versa has the tendency to take longer time to cash out. Go+ never fail me.

More troublesome and doesn't have Stashaway's granular reoccuring deposit benefits.

But honestly there are way better choices than Stashaway Simple as mentioned above.

Not much on fees because MMF already included in the expense fees already

Plus the minimum it is higher when you buy directly 🤦‍♀️

Versa-i has the best both of worlds in terms of liquidity and returns for now till June

for now yes.

1030 am of the day.

In terms of liquidity they will be superior to others because same day withdrawal before 10.30am will be in your bank account earliest by 6pm

I'm not worried about minimum amount.
So SA 0.8% fees already include the underlying funds' management fees and sales fees?

They can pay out 4.1% by investing 100% in fd? This is so hard to believe. What kind of fd can give them so high return that they can pay their investor 4.1%

they put in Easpring fund it seems. I'm a bit curious too. If I invest direct into Eastspring, the sales fees and management fees already 5% &1.5% (I think). Long time no invest in unit trust.

0.8% is only for ETFs 🤦‍♀️

SA Simple is fee free

Possible because SA will give out rebates hence why projected 4.1% and it is not guaranteed 4.1% 🤦‍♀️

It is MMF and there is no management fee and sales charge in the 1st place 🤦‍♀️

The underlying funds are 100% FDs as per their email, and they mentioned that the rebate SA receives does make up part of the projected return.

All in all, 4.1% p.a. still looks attractive and more importantly, realistic given the current interest rate environment leh! Especially since the rates by KDI and T&G are mostly promotional and require a lot more T&C compared to SA, which IMO is more fuss-free.

Tho yes, their withdrawal timeline is slightly slower (up to 4 business days). Personally I'm ok since I don't put all my funds in simple so I have spare cash elsewhere if there's a very urgent emergency, but to each their own.

Affin Bank (& RHB?) got promo few weeks back more than 4%. i'm guessing the funds placed a shit load of funds there.

wow my returns almost breaking even after more than 1 year

come on DJI just add 200 more points

Top 3 banks placement for that fund is in CIMB, Ambank and Maybank 🤦‍♀️

Just wait for IBM, Boeing and UNH to recover then easily 200 points

Finally after 1 year my returns are back to positive

Sell, add or hold?

Which portfolio?


This post has been edited by Cubalagi: Apr 19 2023, 12:18 PM