A bit too complicated. Don't forget while 18-36% can seem to tank hard during bad times, they themselves are somewhat diversified, so maybe they will sell off the protective bonds when you draw down during bad times, and it performs just as well as your manual 8% + 36% mix.

Personally I only want to have one 36% port since I aim for higher growth while willing to deal with the risk.

I don't have enough capital to sustain too many ports.

Remember the flip side of diversification : dilution.
Your profits get diluted too.

Hahaha, for me, I try to keep it simple... a single portfolio at 36%.
IMO, even at 36% risk, its already far and beyond safe compared to me going to bursa and pick stocks. No reason to be too safe during growth. If you have a 8% and 16%, you are going to bite your lips when your 36% is on a massive bull and be tempted to fiddle with your portfolios.
Plus, at 36%, there is more chance for big discount topups excitements on top of regular fixed interval deposit. (i am not gonna used that cursed, perverted term in this thread )

( Well, technically, I do have another 36% portfolio. It's a RM500 one time deposit portfolio, never going to add any more to it, using it for benchmark/tracking purpose )

lol may i know which perverted term is that? I am too new in investment area

for SA...how do we benefit from buying the dip? Because we just DCA as usual...right? We will buy more ETF if we buy the dip?

Ideally, we should buy the dip, buy the dip, buy the dip.

If you are already on high risk, lost money last few weeks, and reduce risk - that's realising losses. But if you believe things will get better, now is a good time to invest more.

Don't bother diversifying more within SA, just use their goals and suggested deposit plan + risk index as they intended you to. If you feeling naughty, use other brokers to pick your own ETFs.

You've got it

As for "buying the dip" - it just mean that when the market is down, or when USD is weak against MYR, you are getting more underlying ETF shares per MYR you put in = more gains when the market rises again.

As for "why are you trying to time the market when you are already on a platform whose driving principle is set fixed deposit interval, don't look at it for the next 30 years, never time the market" - for me personally, I already have a fixed (daily  ) deposit interval, but I also have some cash on hand that I don't mind putting extra into when SA's is having a sale (the money would have went to some useless garbage I saw on shopee because it had free shipping anyway). I don't need to buy at the lowest of lows to get some additional value, and mentally it makes seeing a sea of red a pleasant evening, instead of driving me to panic selling.

And for long time investment, IMO, anything that can convince myself to not sell/tinker with is probably a good thing.

Just to clarify, daily deposit is a meme and there is seriously 0 good reason to do it LOL
I was just being a monkey because I wanted to tap things.

ah thanks...should dig the FAQ first....
anyway basically our money are safe....

Speaking from 100% assumption, take it with a massive grain of salt. I'd assume for regulated ones, unless they wanted to get sued up their ass, likely they won't poof overnight. There would be soft indicators like stopped receiving deposits etc then official notice and wind down period as they notify regulators and users, then sell off the assets held in custodian accounts and refund to your bank etc.
Very hard for them to songlap your investment without the world knowing, since the money not held under their name...

I think can refer to how Smartly handled it, the most recent big profile roboadvisor shutdown?

Their AUM growth is quite good... I believe in them, if they get listed I'd buy them, for starters.
If anything... based on my personal anecdotes on other Malaysia alternatives, MyTheo, Wahed, Akru, SA was the only one that convinced me to put in more than RM500. One of those robo couldn't even get my account activated to receive my Rm500 until today.

As for risk wise, I trust Stashaway enough to put money into it, but I don't trust them enough to put 100% of my invesment into them. Stashaway is just my vehicle to get started, as the number grow, I'd likely to partial withdraw early and invest in other places. maybe 40% Robo 40% DIY ETFs 10% KLSE stock picking memes 10% cryptocurrencies?

I think diversifying platform is quite important too when there are so many brokers and robos nowadays.

Nobody knows.

Nobody sees stock market bouncing back so hard after March 2020 crash.

Nobody sees Tesla to shoot to $900 apart from Cathie Wood who has vested interest in it.

If I am certain where it will go, I won't bother with stashaway and will just YOLO call/put options on Tiger.

This is not even remotely close to "knowledge", it's random walk, your best bet is to dollar cost average - deposit the same amount every week.

try do reoccuring on different dates?

I'm doing weekly DCA, I first dump a bunch of money into SA Simple, then from Simple, just create 2 separate 'every 2 weeks' transfer, set different start date (one week apart).

You can do recurring on different dates, certain banks allow you to schedule/do standing instruction to do weekly for Jompay (however you'd need to create manual deposit amount in SA every time before the scheduled payment executes)

Thats much lower than my trading fee per trade. 

i am starting to feel olde......

Thanks

What is wrong with a 100% withdrawal? 

100% withdrawal will close your portfolio and your history of your portfolio is gone that’s it nothing with 100% withdrawal if you just wanna secure your gains 

do you do the tracking of simple returns on your own?
as the forummer has asked this too earlier.