Unfortunately I forgotten the allocation.
So can't make full comparison.

Really interested to see what's the performance if stay Vs optimization

Haha
Waiting for SA to plot it, to show user how well ther robo AI perform with their each optimization.
If it's good, damn SA user base gonna grow exponentially
Actually, there's many fintech, heck even some bank overseas allow Malaysian to open account with them. I'm using those to directly buy US stock and etf

Recently there's one local institution finally support this, MIDF
Tho the fees are on hefty side but pros are they are locally regulates.

Once a year is really quite frequent. Investing in etf index fund should be set and forget. If every year they change the asset allocation how are we gonna see the long term growth.

Is not strong opinion, is just dosent seems like this is long term investing.  Event asbn takes few years to see result. I just used SA for 1.5 years  already repot 2 times.

Warren buffet says just dump in to sp500 is the easiest investment we can do, over 90% of hedge fund manager fail to beat that in the long run.

And here I puzzled how SA keep switching asset allocation, and why.

Lol.. dude hold your horses and chill..
SA comparison chart with their SRI and you don't see me said it's misleading

This thread is pretty toxic
Members question about SA decision and gotten respond like if you don't trust SA, do it yourself

Freddie akan jual semua etf yg terlibat tukar dr usd to rm? Lepas tu covert RM to usd beli etf baru?

I may have mis stated my statement, i say again. I deposited dca stashaway from last year Jan till now. During this year Jan I put same allocation else where.

Now when I view SA the MWR since first deposit is 6 to 7%( this gain is from last year bull run), not the additional amount I contributed this year. To be clear, means that last year December I'm earning is X, now I see back despite adding more money, I still earning X, the figure is same with some daily fluctuations.

Where my other portfolio gets me 10%.
Then here comes my question, are the reopt justifiable? When kweb dropping and now reopt ( re opt means sell some allocation and buy other allocation, correct me if I'm wrong). 

Again I'm not trying to say SA is wrong, nor because I earn that 10% over 6 months then I'm expert investor,i don't mean any of that Just want to know, how effective are these re opt, compare to me just buying high allocation sp500.

Warren buffet and Charlie says just buy sp500 ( just quoting them, not trying to ridicule SA reopt), how does Warren advice vs re opt in comparison. Thats all I need to know.
In addition to that, I think we shouldn't look at the MWR over '' since first deposit '', some oldies here started since inception, their MWR will triumph anyone that just started (duh), to look at a fair stage, should compare year to year.

I hope I have set the correct debate ground. I rmb vaguely someone here posted something regarding SA might not outperform sp500, but will have lesser fluctuations, don't quote me on this, is from my faint memory.

I think this falls under '' risk of investment '' , have to expect these kind of drop.

I would have double down on portfolio with most kweb if they don't reoptimize..

China did that crack down, but I see the fundamentals of tech are unchanged, this crash could be momentarily.

That's why I was kinda disagree SA move to re opt, why sell when things are in the cheap ( I think re opt sell some to buy other etf, correct me if I'm wrong)

By all means I might be the fool here coming back to quote myself, glad SA rebalance my portfolio in the future. But for that we have to wait and see.

Well VNQ has high liquidity and lower expense ratio than IYR. But anyway real estate in States remains limited and sales increase 22% in june 2021. Any china related etf I fully support their allocation as me myself buying some MCHI because prev i think their kweb allocation was too little for my 30%  profile.

Internatinal bond is new thing for me. I think my previous profile do not hav tat at all or very little allocation. So im still trying to learn more about it. Mayb sifu can enlighten me about it.

i am abit worried for my US stocks because the latest 10 yr treasury yield goes down AGAIN. The whole market like a pressure cooker for me nw.

bndx is in my 22% portfolio. Thought tat is international bond. Correct me if im wrong.
Short and sweet explaination. Thanks!

Dude, it’s got nothing to do with the floods in Henan la. It’s the US media and in general US based investors getting pissed and now accepting the fact that Chinese stocks listed in the US are not really fairly traded in the US market, mainly due to the aggressive influence of CCCP. It’s all stemming back to the free trade and trade war balance / imbalance of years past. This is brewing up and many of us retail investors simply don’t know where to run. Damned if we sell, damned if we hold, and potentially damned if we buy.
I mean I dare to say even if ALL Chinese tech stocks release  super good news, won’t do much good right now. It’s gone beyond the tipping point. Expect another proper 20 to 50 % haircut.

If you worry about China stock delisted or wan US only stock, can try wahed.
They have portfolio 97.5% US 2.5% cash allocation
With their own hlal etf. Consist only US stock.

Can PM me for more 🤭

Yup, I think it's 30%++ and largest holding definitely apple.
If not mistaken, 2nd largest is healthcare, 20%++

Those worry about China stock delisted, worry it will affect their portfolio, or want US only exposure, can try wahed.

To be honest, me too. Especially with their soon to launch china a share based etf.
But hey, it's more cost effective than buying UT.

Back to SA, if you trust them, just give them another year or two. Remember time in the market is important. Mine was 2019 and still in the green.
ATH does not mean it will not continue to grow. Especially fundamentally good.
I still have mine.

2020 Jan $28
2020 Dec $33

Jan 2021 $34
until now $38

if you've been this long enough, for like 2 years or more.

I doubt your portfolio would even show losses despite this supposedly "huge losses or drop" that you have been complaining about.

so again, time in the market > timing the market.

guy~ i just added fund into the apps. so.. need to wait a few days to process right?

as per my understanding.. lets say i put rm1K in.. robo advisory settle which fund for me to buy .. i cant like choose my self.

i am right?

How much did you save on fees? It's up to 0.8% + 0.2% right? So RM100 for every RM10k each year, or RM8.30 per month per 10k?

By the way, forgot to share... Not even likely to break even on SA this year, but SA can happily take rm100 in fees from my RM10k to rub salt on the wound.. put in rm10k drop to 9.8k then SA take away another 1%, so I would be left with 9.7k.

PS: just using rm10k for easy calculation.