yeah planning to do it manually as well

thanks. but another concern of mine is with gold taking up 20% of total allocation and with its current all time high price. With gold price showing no signs of retreating in current climate, means we are continuously buying it at higher prices through dca. If gold prices were to crash suddenly for whatever reason (which happened before in 2011 or 2013 i think) then all of us will get a good beating.

well the above could be avoided if SA performs another round of reoptimization by disposing gold just before any possible crash as "predicted" by their algorithm. guess we just have to trust SA in this or another way is for us to cash out SA if we feel gold will crash soon.

thats a good move. but i wasnt on active dca mode earlier so i just opted in for the reoptimisation without thinking much.

also with gold now being allocated the same weightage of 20% across all risk category, we cant "lock in" the gold earnings by switching to a different risk profile lol

okla thinking deeper its not as scary as it sounds. Assume my investment in SA makes up 20% of my total portfolio which means my gold exposure is only 4% of my total monies (assuming i have no other gold investments), though the effect of gold is deeply magnified in SA itself

yeah thats the best we could hope for and pray SA will not let us down. till then its still a time bomb that may catch everyone by surprise even to SA loll

yeah but am just factoring in the risk and possibility their algo may hiccup only haha. But so far everything seems to be in place.

good to know that at least they are buying more of the underperforming assets to smoothen out things

How accurate is this tracking vs the SA app? Do you have to like update every single dividend received and any rebalancing activity? Looks like alot of monitoring and work needed to maintain?

think a more relevant question would be will SAMY be here to stay for the next 10-20years? Only time will tell.

Thanks for sharing. Perhaps i shall give it a try

Too bad may not work for those that have multiple portfolios like me cos we have to specify in the app how we want the deposits to be allocated, else it will be allocated equally across all portfolios.

Cool. How do you obtain the 100% mgmt fee off and maxis 50k?

I see. Absolutely not aware of this maxis deal. Thanks man!

Dca along the way or lump sum?

Seems like dca also provides decent returns in a rising market condition as well.

Anyone investing extra amounts lately in view of the strenghtening MYR? Though market could be at all time high, advisable to invest more just to take advantage of the favourable forex now?

may i ask if your dca has smoothen out the currency impact or forex volatility of your portfolio? You are dca-ing even if market is high and usdmyr is unfavourable say even at 4.4 or 4.5 lvl?

I see. Means its consistent amount at consistent times without any attempt to top up more during market dips or dca less when market are highs. This is really taking emotions out of investing

Even without the transparent AUM figures given by SA, lets just say in the event SA goes bust, our money is still safe right since its held and safeguarded separately by trustee?

So still kinda safe to invest up to 6 figures? Ofcourse i am not there yet but hopefully to reach there in the long term.

Is this the same for withdrawal in a portfolio as well? As in any amount withdrawn will be reflected under net deposit as well up to the cent level?

Thanks guys. Means if i were to withdraw rm1000, there's a likelihood i may get rm990.87 or rm1010.21 due to fluctuating nature of forex and final ETF sale price? Haha interesting