Just DCA I think
Negative is always painful to look at.
I just set auto deposit then just forget about it lol

MYR strengthen recently only.
Early december it's like 4.17 range. Till now it has dropped for around 2+% to around 4.07.
Just continue to DCA to average down ur currency impact

I think it's a risk we shall bear by investing in foreign market.

For those interested in the currency impact. Here's the reply from SAMY





You can calculate your monthly currency impact, with details in the monthly statement. Under "Portfolio Summary", you can view the opening and closing exchange rates for USD/MYR, which can be used to calculate your currency impact.
In the example attached: (In your case MYR per USD)
Currency Impact = (1.31105 - 1.3243 SGD per USD) * (Total opening USD value of assets)
Please note that this calculation is only approximate, and may differ from the stated value if there were cash inflows (e.g. deposits, dividends) or outflows (e.g. withdrawals) over the month. Hope this helps!



Edit: not sure why SGD is used here. Anyway, here it is.

This post has been edited by neverfap: Jan 16 2020, 03:46 PM

I thought we have IVV in our port?

Or do u mean increasing 30 to 36 add IVV allocation?

Yes. Itu conversion fee is charge by the bank der

Bro, itu conversion fee 0.1% not 1%

Management fee highest is 0.8% with conversion fee 0.1 x2 (deposit + withdrawal). Total = 1% only

But do take note management fee is lesser for larger amount.

This post has been edited by neverfap: Jan 18 2020, 11:53 AM

If his port is 36%
I suppose it's about 60k invested
Friday fall around 1%

Just a heads up
Market is tanking hard because of coronavirus.

This post has been edited by neverfap: Jan 27 2020, 11:31 PM

So u want to cash out when it's dropping then deposit again when it's recovering?

Sell low buy high?

Just DCA. If u think it will still continue to fall then hold your cash first. Deposit when you think it's time.

Unless you don't have any holding power and need the cash soon.

In app
YouTube
Both have

Understandable
When u just started investing, u will monitor the p/l daily.
It's no wrong or right, it's just that SA is passive investment and normally for long term. Monitoring it everyday will only let our emotion control our action/affect our decision and make us missed out the long term return.

1 Yes
2. No. Because Stashaway is a more clever investor than myself. Besides that, my dividend is the size of peanut. Even if I withdraw also cannot do much

Don't follow others
But ur own risk appetite.
If above 18% will make u lose sleep at night then no. If u r okay with losing 30% or more of your money during economy downturn then yes.


PS, imo tere's no need to create multiple port. Just create one u most comfortable with.

This post has been edited by neverfap: Feb 14 2020, 10:23 AM

Agree with B500, just do it.
It's actually a well made quiz.

I think still ok considering we are not putting any effort into the investment.

It's 0.8% per annum (based on monthly invested amount). So I think still ok.

Yes
That's the only way to unlock it if you don't get the risk during your registration.

Yup. also it will be more expensive for us to deposit too!
Sigh...

I guess "ignorance is bliss" applies here huh.

Those that have cash, can prepare for top up

Port dropped ~1.2k in 1 n9

Created a simulated holding in another app.

In and out two difficult (进退两难）