Say I have 1 lumpsum I know for the next 5 years I confirm won't use it.

Should I just dump in all in once? If DCA, the amount the come in later in the DCA strategy seem to frogo the returns in the market. Dumping in 1 shot ensure the full amount of lumpsum get to stick in there market longest time

Kinda begs the question should I DCA over 5 years or dump all and forget, come back to see after 5 years

can see the value at the Y axis

I do. I park bulk of my cash in Simple & auto DCA weekly to my other portfolios. Love the convenience & simplicity.

I'd rather predict 4D over trying to track and understand crypto

Middle range about 12% to 22% SRI is the most "balanced" for the average person, who have some money able to invest and already have a solid savings and insurance plan

That's a reason why SAMY locks away risk indices higher than 22% unless you've got high savings and/or study the investing modules in SA.

higher risk doesn't necessarily mean higher returns https://www.stashaway.my/r/debunking-high-risk-high-return

Something I'd like to share here. I have just used a promotion code BFM. It waives management fee of up to 100 K for the next 3 months.

I found that StashAway Simple for Malaysia, the return is 1.7% p.a, not 2.4% p.a  :confused:

Depends on the market value when the sell order is executed it might be higher or lower on the the day when the sell order is executed
Like I said go check this week rate and you will know because you are investing small sum hence you are not exposed for conversion losses
Yes this after deducting 1% in cash and the missing 0.5% is because forex conversion on the volatility of exchange rate

If you check on your MYR and USD and you will realise the difference in the % of the performance which accounts for it as the range will be 0.12 to 0.5% on depending on the time horizon

Back to normal

Checking in with you folks.

Background:

- I started Stashaway with an initial capital investment of RM10k in Feb 2021 and every month, i allocate RM1k to be deposited into my investment portfolio. To date, i have deposited a total of RM13k as of May 2021
- My risk setting is set to the highest at 36%

Question:

- I noticed that over the past 4 months since my initial capital investment, i have never break even or seen any positive returns when evaluating my portfolio every month
- Are any of you folks in the same boat as i am whereby in the past 6 months or so, you have noticed negative returns month on month?

When comparing Stashaway's robo advisor performance against my Public Mutual's portfolio performance, i'm quite embaressed to say that my Public Mutual porfolio out performs it by quite a large margin month on month.

Basically these two things put together is giving you an underperforming portfolio right now.

36%SRI invests heavily in KWEB which was overvalued and at ATH (all time high) during February at easily 80+ USD per unit. Subsequently it has dropped down to a more logical amount of 72-ish per unit. that 10 usd reduction will impact your portfolio seriously at least for short term

Gotta stick around for at least a year or two 😅😅 you entered at the wrong time really.

Thinking to take epf acc 1 and put into stashaway.

Any advise?

how though? Shouldn't single account vs several accounts should have the same total return if the incoming funds and profit rates are identical?

E.g.
1 account of RM10 k with RM100/month, vs
2 accounts of RM5k with RM50/month to both accounts

Assuming the same profit rate, wouldn't the final returns be identical?

if you can actively manage your SA, switch into 6% SA during bear market and switch back to 36% during bull market
if you are young (means you can afford to keep for 10-20 years) and want to do it passively, you can pick a high ratio like 30%-36% as it'll go up in the long run