I put in money from 2021 feb until 2022 march. DCA basically over one year. I am at SRI 30%.

My return is around +3.2% p.a. based on excel. The MWR is around +9% to +10%. I dunno how they calculate but i never bothered about their calculation. I never doubted my calculation because pretty darn sure the +9% to +10% does not make sense. Because if i take my current value divide by total investment value, it is a mere 8%+ return. Over 3 years.

I can only confirm that the SA calculation of MWR does not tally with excel XIRR formula. It's not difficult to estimate SA is not per annum return for their MWR. Because it's 20% for your case. If you were making IRR of 20% per year... even with DCA, your investment would be ball park at least 50% more than it was when you started...

You should send an email and get SA to explain the maths behind to you if you so desire. You deserve it.

My suspicion is they probably didnt factor in the 0 8% that they charge us. And they didnt annualise it. Pure suspicion.

According to google yes. MWR and IRR is equivalent but SA MWR macam binatang yang lain.

I digress since you didnt ask but yes i withdrawn from SA 2 days ago. Finally. I acknowledged i invested at a bad time, KWEB was all high when i joined in. I know it is long term but i know what my right investment strategy is now. For MYR holdings, mainly EPF. For overseas, VWRA. No more roboadvisor... after much stumbling in my financial journey, i arrived at ETF and the existence of r/bogleheads.

Even if you can, should you? Would there be other avenues that you can buy VOO or VWRA at a lower cost? Also as non american, remember to look up irish domicile version of VOO.

This post has been edited by adele123: Jan 24 2024, 08:33 AM

I started invest since 2020 until today. Consistently DCA into SRI 36 portfolio with additional 2 times lumpsum (1st time was at the beginning, 2nd time was somewhere last year).

My own calculation get a IRR of 5.85% in MYR and 0.87% in USD.

bottom line, SA has done a bad job I think.

Started investing in Feb 2019. Seems like 8 steps up of money put in. I didn't really monitor since i treat it like set and forget category of investment. MWR +27%, TWR +52%. If i did not withdraw (30% of funds) on May 2022, could be sssslightly higher.
i'm sort of neutral with this performance but the KWEB situation took out so much of the potential profit

Thanks for the clarification, guess I am not alone in this situation

I did a back testing on the returns if based on SA calculations, which is closed to impossible.
That’s the reason I emailed SA for clarification but got a vague respond, I’ll pester them a more time

Guess I ll withdrawing as well after that

withdraw only after you identify where to invest in (e.g., DIY). since you are getting valid returns, just that the calculations are fudged up to make ppl feel good

fundsupermart lor.

so i've emailed them today and got a surprising quick response

the formula SA used MWR is the following:
((1+XIRR)^(Years of investment))-1

Also as quoted by SA Team
"MWR is an unannualised figure showing your returns since the portfolio's inception while XIRR is an annualised figure.

Hence, the XIRR of an investment would naturally be lower than MWR as it is computing the average annual return over a period of time."

couldn't find more info bout the difference in calculation...

Guess its time to withdraw them out completely

--deleted--

This post has been edited by Medufsaid: Jan 25 2024, 10:43 AM

They will just choose whatever metric that shows the biggest number .

yeah, to make you have the feel good factor.

Did they use the different metric during the bad years / periods?

Someone higher up must have specially crafted the email to reply you. *wink

Actually it is still the same as the general IRR we know. Assuming you did lump sum investment.

The difference is that SA does not annualise the number. Which is stupid because logically in most personal finance, we always usually think about nett return on a per annum basis.

As someone who did financial maths back in my degree, i just cant brain which years of investment they use if i invested on DCA basis. Maybe every cashflow? No time to use spreadsheet to bother with SA's calculation anyway.

Good luck in your future investment.

Hi there - long time reader, first time posting here...

Anyone read this article summarising their 2023 performance? I think a big chunk of the performance in the markets was in Q4'23

https://www.stashaway.my/r/2023-q4-returns-...coaster-success

Hi, i have just created a Singapore account. Haven't deposit money yet. What is best way to deposit? Theare are 2 options there:
1. Egiro
2. Bank Transfer/PayNow

I have WISE account and CIMB SG bank account.

Thank you.

i use this

So you deposit from where? SG Bank account?

I use cimb sg. The instructions to bank in will be presented to you after you create a "one time deposit" request in stashaway sg

Erm, i have just created a SG account one or 2 dys prior. Which plan should i select? I just want it to be something like KDI Save, not Investment. There is Simple, Simple Plus, and Simple Guaranteed. I chose Simple Guaranteed and found that i can't deposit money.

What is difference between Simple, Simple Plus and Guaranteed?

When i setup Simple, then i can deposit, but it says "Monthly Deposit". I don't want Monthly deposits. I only one one time deposit as and when. Is this possible?

Thanks.

This post has been edited by CommodoreAmiga: Feb 27 2024, 03:01 PM

what roadblock did u experience when u try to deposit to Simple Guaranteed? you're able to see this screen in your Stashaway app?