Ya, I am more worried if SA bankrupt, instead of different risk index.
It is a good suggestion to put all MP into SA, while I can manually pick UT in FSM.

hi, SA sifus or those who happened to have some idea....

if i wanted to invest based on the regions/sectors.....
like for example
Greater China 30%
Asia Pac region 20%
US 25%
Tech 10%
Gold 10%
etc. 5%

can i do that with SA?
SA risk index can interrelates to the regions by %? 
like for example
a RI 36% will be invested in what regions by %?
a RI 30% will be invested in what regions by %?
a RI 26% will be invested in what regions by %?
a RI 22% will be invested in what regions by %?
etc etc??

any idea where can see or compute that?

yes, thanks for telling.
i understand that the ETF in each RI is preselected by SA...

can i see the by region basis based on the RI? (even if SA preselected them)

Just for your reference, my route for DIY cost about ~RM25~RM35 max per entry, I'll likely able to deposit maximum twice a year given my current financials, so RM50-RM70 a year. Rebalancing cheap because I am going for a simple 2 fund portfolio, and I try to rebalance by depositing without selling. Time wise, research and setting up is maybe 2 days, then I suspect its likely less than half a day a year to keep it running?

That means at RM5000-7000 under Stashaway's management, I hit the breakeven point for annual cost. Any extra money I invest into SA from there onwards cost me more than DIY route. Hence why I really hope SA can bring fees down as soon as possible.

Correction welcomed if my maths are wrong!

Let's not forget that SAMY's fees are annual, whereas brokerages can have zero annual fees.

We just came out of an incredible bull run in 2020, but if the market moves sideways, you might start to question the fees you pay

Hey guys for emergency fund you guys suggest to put in simple or 12% or lower risk profile? if there is no emergency i don't think gonna use it although currently just 3 months salary not much though

Funnily, that's how I'm rationalizing my cash holdings, besides the X months of expenses. Eg. what if one day, my mum or bro suddenly needs to borrow RM30k from me lol.

Some of these not always accessible depending on circumstances (health, salary)

While it's true that it's 'unlikely' the reason it's called emergency is you really never know what might happen

Doesn't it worry you that in the event that SA goes under, you are at risk of losing access to your both your investment and emergency funds, until the liquidation process completes?

For that reason I prefer to keep my emergency funds in a bank.

just wondering, what is the estimated (rough idea) the time it needs to get the money back into one bank a/c if in the event (even very remotely), SA gets into receivership?
18 mths reasonable from freeze of SA bank a/c, legal transfer to receivers etc etc?

wow, if it just takes 5 working days to get back the money into one bank a/c from the moment SA declared "i cabut liao" to having its a/c audited, legal due processes, getting approval of who will be taking over it, etc etc....
then 5 days is very    for nothing much will impact the consideration of parked emergency fund in there....

Started SAMY account early this month, with minimum investment in it now. Yes i am from old school, i am still not convinced for depositing money into SAMY with just submitting my IC to start investing. Nothing b&w was signed with the provider (yes ol skool).

Just because they have a CMS from MY SC, what does that means? Will our money be safe, won't kena songlap? Am trying to convince myself more. Very new to this type of investment.

BFM doesn't work anymore
I wanna key in today as my old promo ends yesterday
Bad luck i guess,  lost 3 months just because I wanna squeeze a few more days from the new promo to prevent overlap with old one

I try to use direct debit for monthly reoccurrence.
I noticed that the transaction failed. I asked the support, they told that i need to call Maybank or create another sub account for direct debit.

Did you guys just use jompay to deposit into SA or you use direct debit? How did you managed to get it done? Is it i need to create current account for direct debit to work?

I think for stocks you can choose specific companies you want to invest.

For UTs you can choose specific UT that invest in certain country, sector, whether equities or bonds and etc.

For SA, it create a portfolio that mix equities, bonds, commodities and etc as a package. Less flexible like I want to invest more in Japan and I don't want to invest in commodities and so on.

I thought that for SA the investment decision is based on formula calculations plus human input. The robo part is only on assessing the risk profile of the investors. SA is successful because of investing mostly in US and some portion in china etfs.

hi, recommended risk % for keeping 20 years?

This really clears out my doubt 💯 <3

I thought that switching the fund means depositing more cash into the fund at the right time when SA recommended them. Thus I've created 8%, 16%, 30% and 36% each deposited 200 into them as initial deposit.

And I realised the Simple withdraw is quite slow due to the money fund selling and buying again into each risk fund.