I think more like Program A. Problem is when its down 1% 4 weeks, I Top up maybe once only. Then end up its 4% down, not 1% down anymore.
But i'm not trying to time the market. I still feel blind DCA is better for long term. Just that SA is small portion of my set aside spare cash. i need something to trigger me to top up.

Ya that's why problem. That's why i say blind DCA is better for long term.
Problem is I accidentally lump sum into ASM1.... Take out very sayang

I'm a Kia su type, anything that beats the inflation and give consistent gains over the long time is my cup of tea.

Occasionally I do play some crypto, those are really small money I treat it as "" money to lose"".

SA is good if it wasn't for the reopt. At the point it is performance is worse than putting it into Malaysian EPF.

Come to think of it EPF is crazy, 5 to 6% consistent returns since it's inception over all the economic down turn with tax returns??? That's insane to me. Ofc u can't withdraw it with specific rules, epf is meant for retirement so... I kinda feel we shouldn't withdraw as we like, it is meant for our retirement.

Epf auto/forced us save 24% of our income over our work years with 5 to 6 % growth over 35 years. I baffles me how people still unable to retire just by epf alone.

There was a time like 2016 or 2015, local banks offer 4.0% FD, I was crazy for it. Is just 1% off from epf and is confirmed growth, interest is abit too low now for FD to a poiny my credit card cash back is giving me more money than putting in FD.

hi all, what is your ideal risk percentage for SA?

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What keeps you awake at night? Would your investment in/via Stashaway be one of the reasons to keep you awake at night?

If yes, why so? what's your pain points about this Stashaway?

You all want to see TWR or MWR?

Hi understand this is a Msia online forum. I am from Spore. I came here based on some suggestion in the FundSupermart thread. I understand StashAway focus on ETF exclusively. So for a start can anyone help me with my simple questions?

Qn 1
StashAway based on your risk preferences will suggest the basket of ETF for your portfolio. You cannot dictate which specific ETF to be in your portfolio correct?
according to it FAQs
it is not possible for a customer to handpick the ETFs or the allocation.
https://www.stashaway.my/faq/900000799883-c...es-i-invest-in/

Qn 2
Once you have the portfolio up and running, what is reflected? Is it units? And this unit has a price attached to it? That is if we want to sell we look at the unit price and then enter the units to sell ? (Sorry I am from FSM background mutual trust fund with their concept of units)
see attached image for details of what i can see inside my portfolios
i have never sell before, so i don't know. but i think it will just be "tell SA how much $$ you want to redeem/take out"

Qn 3
Since it is a robo-advisor feature, StashAway will periodically buy/sell your ETF to re-balance your portfolio correct?
from their FAQs...looks like both rebalancing and reoptimization
The basis of our investment strategy is to build portfolios with particular asset allocations that are optimal for 4 different economic cycles. When our investment team identifies and signals a change in the economic cycle, our technology will automatically re-optimise all portfolios' asset allocations.
https://www.stashaway.my/faq/360010099173-w...e-optimisation/
When a particular asset reaps significant gains relative to other assets in the portfolio, its market value weight increases above target allocation. Without rebalancing, the portfolio is increasingly concentrated in the outperforming asset class hence raising risks. Our algorithm checks customer portfolios daily, and performs rebalancing when allocations deviate from targets by more than our "optimised" bands. This can happen weekly, monthly or quarterly, depending on the markets' volatility and performance.
https://www.stashaway.my/faq/115001846973-h...-and-optimised/

Qn 4
One painful part of ETF is fractional lot selling. It seems StashAway help to manage that on our behalf. However I read below post
seedly.sg/posts/can-stashaway-sell-your-units-without-your-authorization




maybe and hopefully this FAQ can shed some info,...
How does StashAway execute my orders?
https://www.stashaway.my/faq/900003340026-h...cute-my-orders/

That means in order to fulfill a full lot they can randomly pick users ETF to sell some small shares off to make it a full lot for selling. This is their strategy to offer us fractional lot selling. Not saying this is wrong or unethical but have any of you encounter such issues before?
maybe after the investor injected money (assumed to be LARGE in relation to its existing AUM),...their algorithm checks customer portfolios....when it deviate from targets by more than our "optimised" bands. they will rebalancing,...as per rebalancing faq above....maybe during the rebalancing they will need to "sell" off some units of some etfs. But i think it rarely happens as they can program not to buy those "above allocation set limit" etfs and buy more of those under allocated etfs

Thanks in advance.

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One weakness I find is sometimes when price is high I really dun want to sell and when price very low I want to buy instead of sell etc. But the algorithm may think differently from you and execute it's own way.

Hmmm... I will digest this different approach and think first.

Just need to get lucky once 🤭👍

Hindsight is always 2020. 🤭

Profits are profit regardless small or big.

Just continue to be invested then all is good yo.

Wow wee, back to pre 2016 price soon. 👀

Hi all, I received an email from Stashaway support asking me for documents in order to verify my source of funds. Is this normal? Does this happened to you guys before?

If you really insist then diy investing yourself. Go through Interactive brokers and buy the ETFs that you like. Recommend Irish domicile etfs so that save on 15% withholding tax.

Some US stocks like Apple, Amazon, Tesla worth to buy too. If want good EU or Asia stocks etf u can copy stashaway investments or research via youtube, reddit, websites

Check out Ziet Invest youtube he has very detailed steps on how to do the above.

Use sg bank account transfer to wise then to IBKR.
Inside Ziet latest videos he got explain how. I had tried this myself using Malaysia Maybank and it works. Take about one day for Wise to reach IBKR. For Maybank to Wise is via FPX so it's instant. Their FX rate is reasonable also. Once u master this can even think about buying other US, UK, EU, or Asia stocks directly.

Stashaway is easier if you wish to deposit small amount every month or don't have that much cash to invest in one go (Some people prefer this also as hard for them to accumulate a big sum then invest). Stashaway got reveal what ETFs they pick when u select their portfolio? So u can copy their same ETFs to invest yourself (easier if u have larger sum of cash). Diy also means you'll save on Stashaway annual fees.. So here is where you'll gain.

I got buy some s&p 500 CSPX on IBKR too. Downside is same as buying direct via any broker, the more u buy at one go the more you safe on fx, interest and fees. If buy at small amounts each time you'll lose more. If stashaway then u can deposit small amounts each month, and what I guess Stashaway does is it combines with other Stashaway members' payments and buy stocks in bulk, to save on these charges.

Stashaway and IBKR both invest using USD so no worry about our currency declining one day.