Incredibly excited, I haven't had a proper draw down since I started. A pity I already did this month's investment last week, going to dig around and see if I can put more into it 🤣

Cut loss and move on I guess. If the portfolio is sound and have no reason it wouldn't come back up again, it's just an exciting discount fire sale than sad times.

I was like -6%(?) on 36% when I exited. My dad's port has never seen positive so far either I think?

6% is pretty decent to be honest, with how low risk the main portfolios are meant to be.

Haha, human intuition is terrible for investing, period.



But if you just set up auto deposit, forget you have this investment completely (no news, no forum, no apps), check back in 1 - 3 years - chances are you would have done better than most people. You won't be the biggest winner, but you will be winning.

I'll set the thread to instant email notification the day Stashaway "optimizes" KWEB out of their portfolio while most are at -57%.

It's gonna be exciting.

Oh, I was just poking fun at the complaints we had when people were complaining about reopting into gold then reopting into KWEB, those two decision had quite an uproar for a while. (Stashaway wanted to mitigate US concentration risk and got into KWEB, unfortunately crackdown happened and it dipped multiple time in a row and some users got really irked about buying into a heavy loser)

My dad has a good chunk of money in Stashaway at my advice, so I'm hoping I am right to trust Stashaway in the long run too, but they do some really sketchy stuff sometimes. This whole disruptive tech portfolio thing still really don't sit well with me.

This post has been edited by Hoshiyuu: Dec 2 2021, 11:16 AM

Really amazed at the amount of user who got the misconception that Stashaway uses AI for their decision making. Maybe it's the word robo...

Ah, I see. Thanks for the clarification.

This post has been edited by Hoshiyuu: Dec 2 2021, 10:24 PM

I am not sure about SA or KWEB is worth it or not, but my investment has definitely paid off twice and more now:

When it comes to fintech I'd rather they ask too much than too little

20% in EM / 20% of port in ~53 stocks

Depending on where you are looking from...

From a stock picker standpoint where "diversified" is 20 - 30 stocks? Very diversified.

From a SP500 investor standpoint, eh, about right for a China tilt.

From a VT/VWRA and chill investor standpoint (~9000+ stocks), that's insanely China/EM tilted that it's too risky by all measures.

In the end, its up to the individual investor's investment philosophy and risk appetite...

This post has been edited by Hoshiyuu: Dec 16 2021, 01:30 PM

Man, I understand winners rotate and all, but seeing a solid -7% after a year on SA vs +11% (after fees) on DIY still bums me out a little every now and then.

6 month graph, completely untouched. Just keeping it as the second lesson to myself after Bursa.

Exactly the same even 🤣 mines 36% SRI, assuming you are the same too

>may not DCA sometime

>DCA in smaller amounts

And right on cue we are back to the DCAnoscope term again

This thread is cyclic to a fault lol 🤣

This post has been edited by Hoshiyuu: Jan 12 2022, 04:40 PM

My plan is thinking SA has better tax lawyer than most intended SA user do, let them worry about it when it comes. This matter shouldn't make or break any decisions, for me personally anyway.

DCA360noscope rear it's head again.

Also zstan super confirmed massive customer at SA, no one else received an email yet it seems, and not even Honsiong...

Where's the goodies bag guy, ask him got receive or not 🤣

I feel like SA lost it's way since the launch of thematic to be honest... everything they did since then just scream they have no confidence that they can survive/grow with their robust core portfolios.

Portfolio 1 has item ABCDE
Portfolio 2 has item ABCD

Put money into both

Overweights ABCD underweights E

DIVERSIFIED

This post has been edited by Hoshiyuu: Jan 26 2022, 06:30 PM

You pay 15% instead of 30% withholding tax compared to US stocks/etf due to tax treaties in a nutshell. Over a decade it's about a difference of about 60 basis points in return with all else bring equal.

Some etf don't have exact replicas, like you have plenty of SP500 replica like VOO, but VWRA/D is as close as you get to VT. None for VTI or VXUS or QQQ for that matter. (EQQQ is kinda a meme)

This post has been edited by Hoshiyuu: Jan 29 2022, 08:22 AM