I've been looking around and considering this. But from briefly reading this thread it looks like a lot of people are playing around with relatively small amounts for this. Is this safe for larger investments?

hello everyone,

Ive got a noobish question to ask,dont flame me for this and i would really appreciate an informative answer on this.Just information, no hate.

Ive been using stash away for the past 3 months.money weighted return is -0.63%(losing money) and the market is basically stagnant on my initial investing capital(Goes up and down around the basic capital but never goes beyond).Risk index is currently 18% on a balanced portfolio.Ive tried a high risk portfolio for about 2 weeks and that didn't end up well.

The reason im testing stash away is so that i can test its short-term and long term ROI as i am trying to diversify my personal financial portfolio.Ive heard of people investing and at most getting about 6-8% ROI per annum (10% if ur lucky). So why not just deposit into REIT or EPF since the estimated ROI above 6-8%.Whats the point of going long term when the ROI is below these 2 portfolios.

Thanks

Thank you for the reply

Im sorry to say that it was indeed possible to lose money during december.My risk level is 18% and Ive actually attempted to increase the risk up to 20+ percent before but it didn't work up well as i just kept losing more capital.I did make some cash during december but it was pretty insignificant, maybe about 0.8% or something which i eventually lost during january.

But thats not the question im asking.Im starting to wonder what's the point of investing at stash away when there are other more stable choices like EPF and REIT with more or less similar ROI (return of investment).Ive actually heard of some people earning less than FD after a year of using stash away.Yes i do understand that there is a lock in for EPF,so thats why im diversifying, however im starting to wonder if stash away is a good option to diversify my personal portfolio as this is the first time im trying a robo-advisor.

So after some practical experience using this app im starting to doubt whether its a worth while investment in the long run.Maybe someone can share their experience in using this app in the long term.

Thanks

We are actually not investing in StashAway itself but the ETF selected by them.

Hey guys, I want to get started on Stashaway. Thinking of RM10k to start then 1k/ month commitment. What's your thoughts on this?

Thanks.

But why keep top up if let's say the market not doing well? Are we betting the market will be better in the long run or based on past performance, the market did well in that manner?

That bothers me too actually. If market will, in the end, perform better in the long run, why don't everyone just go for high risk profile?  Why there are still people lose money until "pants drop"? Why don't just keep holding it until it turns better?

I've been seeing ads for Stashaway recently on YouTube. They paradoxically leave me feeling uneasy as those look exactly the same as those ads for get rich quick scams...

I actually wonder if it's a legit Stashaway ad as it doesn't directly take you there. If you click on the ad, it takes you to this website.

www dot moremoney dot my slash stashaway

Don't want to write a direct link as I'm not actually promoting it.
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My suggested risk profile is only 18%... is it advisable to go higher like sifus here? lol

reason for one to say so is because of the risk level of 36%?

if you lower the risk level to 18%, will you still see the 5% return? reflecting the same return for the same corresponding period?

Glad most of my investments are in Wahed and SA 😅

Money weighted return was about 10% now its at 0.5%. You guys think it will get worse?

Not sure if this is a mini recession or the start of an actual recession cause, I myself have been waiting for one. Wondering if I should cash out now and wait till it drops more before reinvesting it back.

So far.. I'm broke even. No loss, no gain.

Izzit now the best time to invest on 6% portfolio or transfer to it?

Really? Only 1%?
How? Is should be safe.

Is it better to get into SA simple

wow, didn't check for a while, the whole of last 6 months' gain, of more than 10% got wiped out and gone into the negative territory.

Just a question, is there a mechanism for us to lock in the profit first?

i mean it's like sell when you see some gain, then you get back into it when it retraces, or something like that.

it's kinda hard to see the portfolio from +10% into -ve.

the only way i can think of is withdraw the money first then only buy again/DCA.

I reduced the risk to 30% just to get rid of energy which is going down the drain

it will eventually up again?

the big question is

has it bottomed out already

conflicting advice here. as a newbie this confuses me