i have invested during 2019 till now for 30k...
the app showing 30%.... but the 30% is totally misleading calc..

i did a calculation in excel , comparing if i placing FD with average promo rate of 12-18months each year.  for 2019 Jan to 2022 Jan...
basically past 4years FD can earn more than stashaway... PLUS no risk if go for FD
i have just decided to withdraw all my 30k from stashaway today

for new user that thinking to going in stashaway, my sugesstion is a big no, please dont

why place so much of our funds in cash equivalent?

they should have done so early/ mid of last year.

Putting substantial of funds in the cash equivalent assets may not be safer option when the dollar is weakened. Can see MWR for USD has improved but MYR in ringgit were headed to different direction.

Selective unit trust has set aside 1x% to 2x% into cash/ money market funds since mid of last year. SA only adopt defensive stance at end of last year.

CAGR (Compound Annual Grwoth Rate) is the yardstick across my various investments.

FD is relatively "safer" than investing equity since one's capital is protected with a fixed return but equity/stocks has more potential to grow over the medium to long term. I would suggest doing an analysis for the broad market like the S&P500 vs FD over a 10, 20 & 30 year period.

-13.87% TWR as of 31/1/2023
22% RI

understood, maybe i miss out the 2017 ?
those from 2017, what are your CAGR ?
i believe 2019 to 2023 are not too short in term of investment period
i even top up during 2020 march to june during sharp fall...
still not much "earn" in true % compared to FD
dont follow the app return % shown, it is misleading calc....
again, im here to learn and share my view guys... dont shoot me if my thinking is different

Their BlackRock portfolios were re-optimised again effective today. Seems like the reoptimisation is quite frequent compared to the SA’s original portfolio.

Hi fellow seniors, I did invest in SA in return for my marriage savings, till to date, it's accrueing lost at RM570, with SRI 22% initially to SRI 6.5%, and I would need to use the money for my marriage in October, should I remain or moved to Simple, which I able to get RM30, or cut my losses and withdraw all the money? Thanks a lot in advance for your advises.

Am also concerned about these re-optimisation exercises carried out by StashAway. Not too sure if this has been done under StashAway's ERAA indicating a transition into another economic cycle perhaps?

A bit of both. I didn’t keep track of everything but I noticed some bonds like FLOT is missing from my portfolio. Increased % in certain bonds and gold.

This DJI. Break 34k for just a bit. Then go back down to 33.5k again 🥴🥴🥴

Will the DJI dip further?

Good point and shall definitely be taken into consideration!

Appreciate the heads up!

The latest inflation data is worrying though. Not sure if US gonna be aggressive again on the hikes.

Likely The Fed will continue to be hawkish, raising interest rates applying downward pressure on the markets overall.

Yeah but the Fed had reduced the rate of its hike in the last round from 0.5 to 0.25. Not sure if they will go back up to 0.5 after this.

But this also means a stronger USD and weaker ringgit

4 rate hikes this year does not seem unreasonable looking at macro trends & economics. As you said, it is now a matter of how much the interest rates will be raised this year.

I guess it will still depends on inflation as well along with other key economic indicators.

Only EPF and PRS dunno why kena nominate, cant just write them into a will. Almost all other assets can be passed on with a will.

USD1.00 = MYR4.43 today

big mistake by BNM didnt increase OPR the last round