Yeah that's what I thought too. But someone was mentioning it's the other way round.

Anyway, I'm already using IBKR to buy VWRA. But I'll keep a little money in SA.
In case something happens to me, I guess it'll be easier for my wife to withdraw from SA while waiting for withdrawal from IBKR.
Plus having a physical location that my wife can go to is a plus.

I'm already using joint account in IBKR and withdrawal from IBKR => Wise seems to be easy.
It never hurts to have a backup plan.

Hey guys, thinking of investing via stashaway. If anyone could pm your referral code that would be greatly appreciated. Thanks in advance

EDIT: Already registered. Thank you everyone for sending their referral codes.

This post has been edited by daymontoh: Dec 6 2023, 05:16 PM

Dose stashaway simple pay dividend monthly? Cos until September I am receiving dividend monthly but then since October no more dividend. Is there any change?

Stashaway Simple 3.8% is fix dapat one ? or getting around there each month?

Just sharing my portfolio performance to date... risk index 16%


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Just asking, did you make large withdrawal that caused the large drops?

For long term investment, that is not really important. Daily price fluctuation for ETF is small.

Not good if for big lump sum 🤦‍♀️ if small sum and fractional doesn’t really matter much

Yes I did

what does this tell?

Just generally showing the performance of a mid-risk portfolio over the past years,and in case any other readers are curious

..till end Sept 23


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the rolling 12-month indicates that they are making on average 13% annualised return.
not bad.
But why would you want to have your fund managed for a fee for a lower return. i.e. those lower RSI portfolios.

Stashaway calculates their return before management fees. take it with a pinch of salt.

RigerZ's post is therefore more accurate for investors who are eyeing risk index 16%, which is... only about 20-30% stocks. the rest is bonds

Not that great for those on aggressive portfolio 🤦‍♀️ as it underperforms hence why ppl still stick lower RSI and mixture of mid range portfolios

You need to factored in the costs as well with the fees and 0.1% fX spread hence it is about close to 1% in fees for those who is lower AUM

Portfolio management fees is not much for that duration.
Even after management fees, the returns are still positive for that SRI.

RigeZ's post show an extremely large drops in portfolio which was resulted by his large redemption

Earmark 5 years down the road since 2018Nov

Last dca 1 year ago.

Annualize pa is at 4.2%

I would say ok ok ish.

This is bad, nowadays digital banks also can give 4% interest on saving account. Still, hope that it can do better during market good times

Don't forget interest was down bad during COVID, that was uhhh 2 years of <2%? So annualised in the same period, SA does beat it more than you think. Can watch this for more info:


That said, I agree SA is underperforming lol

MYR or USD returns?