maybe that is why they have this developed....
new ISO/IEC 17029 provides requirements for independent verification and validation.

Thanks all for your response. I will pick the fastest respondent's referral link.

Thanks @gundamsp01 

Hi guys, I rmb I read before we can put the referral code after register. What's the step yeah? Thanks in advance!

My deposit has been in 'progress' since the 29th July. Anyone deposited recently and have the same problem?

Hi everyone. I invested SAMY for a year with a risk index of 18%. So far so good. I would like to have some opinion on Stashaway simple. I'm a fresh grad. Saving money for my emergency fund. If i pump in less than rm300 in stashaway simple would it be better off if i pump more money in my main portfolio.

I would advise NOT to get ILP. Keep protection and investment separate.

If that is the case then I sincerely hope you will not encounter any issues which are not covered.

The reason I recommend getting insurance first (ILP or not) is while it's not exactly a tool to generate money, it's more of a tool to save money when a problem arises. It happened to me a few times which I have to be hospitalised and at that time i was only wokring for a small company with no insurance coverage. I had just started work barely 2 years and I could not afford the hospitalisation and medical bill. Luckily my father had a few policies for me since young. I saved about 8k that 1 time.

Anyway, to each their own i guess.

Normally deposit take how long?
I deposit last week,
Monday say receive my deposit,
Until now still processing...

Keep some in savings account (immediate), some in fixed deposits (withdrawable in daytime), some in StashAway Simple (1 week delay)

I got 2, but unlike these ppl, I just use them how they are intended to be used. Proper risk level for target time horizons. I dont create multiple to see how they gonna behave over 1 month periods.

II'm not sure if it's the same with the poster above, but I also have 2 portfolio. One at 22% (suggested risk) for long-term retirement.
Another is my manual portfolio with higher risk 36%.

Each time I DCA 2/3 to to 22% and 1/3 to the 36%. The 36% porfolio for me is flexible, and depending on market/mood might top up more or less. So far I've been topping up mostly consistent.
If profit high, might also withdraw some to lock in profit.

Right now my 36% is doing quite well, which lead me to think whether I should withdraw some to lock in some profits first.

my Simple portfolio to store cash for car insurance payments next year but otherwise only have 1 other portfolio.

Mind to share if you guys make a deposit every month? How much would be recommeneded?
Appreciate for your kind advice 

Investment is not gambling. If you take a punt on today's hot stock like say Tesla or glove makers you can make  50% or maybe lose 50%. Maybe that can be considered gambling. But investing is NOT gambling. There are a few ways you can invest. You can invest in safe dividend stocks - even if the stock price does not increase at all, if you can get a dividend of 5% p.a. that's way better than any FD. Normaly there would be stock price increase as well, so your total returns would be better than 5%.

You can also invest in individual stocks, if you know what you're doing. However, if you don't know how to buy stocks or think that's too risky, you can buy a whole basket of stocks. i.e. an ETF that tracks an index / group of companies. Warren Buffet has said when he dies to put his money into low cost index funds. This is precisely what Stashaway is doing. It is helping you diversify even more by investing in a mixture of ETFs.

Look at the chart below of the S&P500 over the past 100 years. What do you see, it is just an upward line. Where's the recent covid crash, or the GFC crash? It is barely a blip in the overall picture. That's why invest for the long term and stop trying to time the market by trying to buy at the lowest, or someone earlier mentioned sell now. Just stay invested. S&P historical returns has been 7-10% p.a. over the past 100 years.



You can also read this article advocating not holding cash and making sure you're fully invested.
https://lt3000.blogspot.com/2019/11/how-muc...se-for.html?m=0
Previously with FD getting 3-5% maybe it's still understandable if you wanna be safe and just keep money in FD. But now worldwide we're in a low interest regime (and will remain so for quite some time), it makes no sense earning 1+% from FD. In fact you're losing money due to inflation. Just keep a spare 3-6 months cash for emergency expenses and invest the rest.

When you invest in one stock or just one industry, the risks are higher, you can make 30% p.a. or lose 30% p.a. Whereas when you buy an ETF, you're buying the average of many many companies. You get average returns, but lower risk. And long run the economy / stock market as a whole always goes up.

Yes ETFs charge a fee, but it's not based per deposit. So depositing $1 or $1million its the same % fee. They're generaly quite low, like VOO (Vanguard S&P500 ETF) the expense ratio (fee) is just 0.04% p.a.

If using Stashaway yes. They just charge an annual fee of 0.8% p.a. (+0.1% forex fee which is acceptable) and the ETF on average 0.2% p.a. You can even DCA everyday if you want to.
It's only when you buy stocks/ETFs directly yourself there is a brokerage fee PER transaction.