With the ongoing pandemic but yet stock markets around the world r booming or not affected due to ample liquidity. What would happen when the world goes back to normal cos vaccine is effective?

My 10%  portfolio is now negative. Money Weighted Return:- -0.07%

My 36% portfolio is now still positive. Money Weighted Return +1%

Both placed roughly during the same time.
Low risk isn't that low risk after all.

SA has been asking me to reduce my SRI to 10% again.
This us my 2nd time.

Agree with both of you. But when is the best time to change the risk index, is now the best time when all the portfolios are in positive?

Not really.. Using the same start date MWR gives me about 48% since first deposit, whereas XIRR gives me about 22% XIRR.

Cash Flow is exactly the same.

ah i see ... i actually tot it works like the SA simple just that the risk is higher

so you guys actually withdraw when you expect it to drop and deposit it back when you expect it to rise?

I'm just a newbie, any pro willing to share what's happening in the market this few months?
What I experienced is SA not performing since July (the month i joined) till now. Another huge drop today, so now back to negative.

I see. Thanks for the info. Seems like under some circumstances, "time the market" still have its own benefit. Nevermind then, i will still continue DCA and see how's the performance after 1 year.

deposit on 30-Nov
money transferred into each portfolio i have on 1-Dec

however, there was no buy order on 1-Dec and check today (just now) still remains as cash asset.

Is it just me? or SA getting slow in terms of executing order?

1st time invest in SAMY here... using auto-debit recurring date on every 28th... received an email on 30th saying "Direct debit have been scheduled"...  but till today showing my auto-debit still in progress 😅

The amount still not yet transacted from my bank account

Selling and buying the THE SAME etf ,sell on T, buy back same ETF at T+1 with higher price

Already ask SA support, but i disagree with the answer given. It seems my worry about manipulation since the change of terms and condition about to come true. At least that is what it looks like right now. Other thing is this is for the old portfolio not the new one with gold.

Remember etf does not completely need to go through the exchange now as per updated terms and condition. It can exchange internally within SA.

I found that more frequently do DCA, the gap between portfolio value & net deposit is bigger. The return is better if we do more frequently DCA ?

Means that you are good disciplined but lazy to time the markets

TWR is good for passive investors who doesn’t want to put into work and just let their savings grow which I believe 90% of SA customer does

MWR is good for those who are willing to put in some effort into understanding and timing the market when to buy hence rotational gain because FX conversion deposits and buy order

There is no right or wrong or suck it is just that approaches are different

For me I prefer MWR because the liquidity of it and the timing of FX which I always look into weekly basis and current ETF prices before putting buy order

The only good thing with StashAway is the buy order will be calculate by them and the awesome spot rates at the moment 

The link you showed explains it that way because it is attempting to calculate a TWR for a fund.

If you look at the mathematical formula shown on the page for the calculation, you can see that it is a compounded ROI of subperiods: R = [(1+r1)(1+r2)...(1+rn)]-1. You can also see that the definition for r1...rn is the ROI for a single subperiod: (value_curr + income - input + output)/value_prev. In their formula they’re using unit price (or NAV) for value_curr and value_prev.
Yes to calculate the TWR that is what we must do. There are 6 subperiods in that table. We need to get the ROI for each subperiods minus the net deposit and compound those. The Feb-May subperiod ROI = ((3134.15 - 2000)/1023)-1 = 0.1086 = 10.86%. The granularity of the subperiods is entirely up to us.

If we want the performance of RM 1 from the beginning until the end, we can just multiply each month’s return to get the final 17.06%. Alternatively if we have no deposits past the first month, calculating the TWR on a monthly subperiod will just give you the same 17.06%.
This isn’t correct. MWR being higher or lower than TWR has nothing to do with rebalancing nor timing the market. The calculation for MWR seeks to find a rate of return (called the discount rate) so that the total cash inflow equals total cash outflow; in other words the net present value of all inflows and outflows equal 0. I have an old post that shows how this is computed manually. If you have Excel or GSheets, you can just use the function XIRR to compute this easily.

Whether DCA’ing is better versus Lump Sum, or whether a higher DCA frequency is better depends entirely on opportunity costs and the increase/decrease of the average price you’re buying at. As such, DCA’ing into a market that is progressively more expensive will increase your average price; increased cost means your returns would be less. On the other hand, a market that is trending down will result in lower average prices. It should be obvious that if the market is going to be much more expensive 5 months later, a Lump Sum right now would result in lower prices.

Just continue to DCA as planned. I'm not even someone who invested long ago, I'm sure people like honsiong is having way higher returns than me.