if you are doing DIY us stocks, and you use SG banks, can try stashaway SG. just open online with your passport

This post has been edited by Medufsaid: Jan 18 2024, 02:48 PM

Welp time to take all out and find other mmf

Need to pay fees...

That is why some ppl don’t understand 🤦‍♀️ it is underperformed in real world with their benchmark as well as many are still negative in USD but got overjoyed because positive in RM but in reality still losing money

At least 2023 SA broken their losing streak for the past 2 years before after KWEB debacle

If one is just focused on performance returns in USD with emphasising on beating USD return bench mark....he just dont realised that his portfolio will be based to usd based equities investment ....to brat usd return benchmark.

And the returns if his kwsp would hv be converted to usd
His local rental returns would hv be converted to usd
His local stock returns would hv be converted to usd
His returns of investment in China,or Asia Pacific would hv to be converted to usd too

Then his local expenses would hv to be converted to usd to judge if his net worth did grow in terms if usd too.

He just don't realised his problem with that

This post has been edited by MUM: Jan 18 2024, 03:30 PM

It is not about focusing on USD 🤦‍♀️ but the underlying assets are traded in USD hence the ETFs are in USD which shows the actual performance

If you want to compare in RM might as well put your money into the local bank instead

Even EPF foreign equities and REiTs are still in USD traded only that every quarter they would have either marked up profit or losses in FX for their quarterly reporting

I think that is a good benchmark as assuming the same risk percentage , how much better or worst does blackrock managerd fund is compared to stashaway own portfolio.

From
https://www.stashaway.my/r/2023-q3-returns-...ce-best-offence

Till Sep23




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It is about how you want to compare how much asset value or networth you hv
If you want to see how much networth in USD you have, then convert all you have to USD then get that USD value for comparison.
Then you can in details see all your investment value in USD so as to beable to determine which one earn or lose USD more USD.
Then you can see and track their individual performance in USD .

I want to see my Networth in MYR. Thus i judged ALL my saving and investment is MYR.

Perhaps you really liked to see your networth in USD bcos you can made this kind of statement.
"If you want to compare in RM might as well put your money into the local bank instead "

This post has been edited by MUM: Jan 18 2024, 06:09 PM

A few weeks ago i lifted majority of my holds on 36% and 22% to stash away simple to realize profit and slowly DCA back into the portfolios, with the recent announcement, I've made request to withdraw all from simple. Will be placing all of it in Rize for 4% until March. After that? well, hopefully someone has some other place to recommend.

No one can tell you the future 🤦‍♀️ and it is about what you are comfortable with the risks and returns

I dont think you comprehend what I'm saying 🤦‍♀️

i'm placing all my no equity funds now in GX bank for 3% interest for instant liquidity

Answering my own question, if you have a FSMOne account, both of the funds in the new SA Simple target portfolio are available on FSM.

- Eastspring Investments Islamic Income Fund - Class R
- Principal Islamic Money Market Fund - Class AR

So one of the option is to buy the MMFs directly through FSM, and you get the option of selecting the weightage you desire between the two funds, mimic SA Simple, or all-in into one, without the 0.15% p.a. fees.

However the downside is, the initial and subsequent investment amounts of the funds are quite high, hence it is not as accessible as SA Simple.

Stashway simple no activity after 30th October, no rebate no dividend. What happen?

This post has been edited by kelvinfixx: Jan 22 2024, 03:08 PM

answered here already

I am pretty sure there was one dividend transaction around nov or dec 2023. But suddenly dec had one or two downtime, and afterwards that dividend transaction was gone.

I wonder if that's part of the reason Stashaway switching main fund for Simple.

Thanks for the memories SA. Started investing with them since 2019. Went through 2020 lows and 2021 market high with them

2024 close my account. Move all my funds to ETF. Nasdaq aggressive risk is just QQQM or SPY.

A good learning experience with stashaway

hi guys, i've been using stashaway for bout 3-4 years now

besides i put 1 lumpsump at the beginning, after that, i mainly do monthly DCA into 2 portfolios of 30% & 36%

i understands that i do make a decent return in MYR but barely in USD (especially for my GI 36%, in MYR is about 14.4% MWR but -1.57% in USD)

ignoring that it has been underperform compare to my self investment, i treat it as a long term investment for risk diversification in MYR

my question now is the way they calculate the MWR, if anyone knows, do enlighthen me as i could not get a satisfied answer from SA team

i do record my own investments, as i researched, MWR is basically the XIRR function in excel where dates and investment amount is being take into account

when i did my calculations my XIRR returns is just a mere 5.6% for GI 30% and 4.3% for GI 36%
however SA MWR shows a 20.8% & 14.4% respectively

there is a huge differences between the both, which cause me the rethink my decision whether to pull out everything from SA n do my self investment or to remain it (if my calculations are wrg)
since if i put the same funds in EPF, i am getting bout the for my GI 30%, and even putting in long term FD for GI 36% would be comparatively good n much more safer

appreciate if any finance experts can help clarifying the above


This post has been edited by derravile: Jan 23 2024, 04:01 PM

We can use SA to buy VOO / VWRA right ?

While waiting for responses, I think SA operates as a portfolio manager, they charges portfolio mgmt fees.
Thus i would place my bet on a "no" unless you subscribe their flexible portfolio. Their flexible portfolio has a list of ETFs available to chose on.
Perhaps you can try check it out whilecwaiting for responses to your query

https://www.stashaway.my/help-center/130615...folio-templates




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