I just coincidentally clicked onto this thread and I'm interested with the returns and positive reviews everyone is saying about SA.. but I'm new to this and I don't know where I can get more information. The website isn't very user friendly or informative.

Anyone mind doing a TLDR or SA for newbies explanation for noobs like me? Besides the 0.8% fee I'm paying annually I pretty much don't know anything else. How are the returns calculated? What are the risks of dumping in RM10,000 every month and what kind of net am I expecting to see by the end of a 12-month term?

thanks all gurus who are willing to take time to explain.. xixi

I'd like to think no investments are risk free.. with the exception of FD. They mentioned volatility, but with no clear elaboration.

According to the introductory post, I understand the higher the risk profile, the higher the projected returns. And you were right, these 'expected returns' are definitely higher than FD rates (even ASB for that matter).

However, in the unfortunate event that the markets go downhill, what kinds of losses am I looking at if I set my risk profile to be, say, 20%? The website says if your profile is set at 20% there's a 1% chance you have 20% losses, which sounds pretty alarming.. Let me know if I misunderstood incorrectly..

Correct me if I'm wrong but market correction means that the security value is higher than it should be? So they "correct" it to the actual/expected value? Also does it work the other way around like if the security is undervalued?

Even StashAway themselves never say confirm profit. Actually their app design is more ethical than say Wahed, StashAway let user choose risk, Wahed just ask how much profit ppl want over long term.

I agree with this, but i understand why they combined IJR especially with gold etf, they want to limit the downside in case of adverse event.  But the bad thing is they also limit the upside but as a new company they might not be able survive the bad publicity of giving a really bad return if that happens. They did say for a given risk percentage there is 1 % chance of losing more than that in any given year, but still it could put off people from investing.

It is really a good thing in my opinion for never accepting the auto optimization which lead to me having 80++ % in US equity based on the previous iteration. Just to be clear i also have small percentage in the new iteration with KWEB ,gold,reit.

i think investment u need to first think how many risk u can stomach. i have known someone very steady when kalah money, they will like, they already know there is a risk to kalah everything, so why frust over it.

Like forex high risk high return, 1 year can get 100% return, but in split second can kalah everything.

Err you want more equities you should increase ur risk exposure. StashAway just try to make ur portfolio stick closer to their target allocation.

I believe in long run, constant rebalancing is good.

But my portfolio didn't increase by 12.46, only the usual 2-3 days few ringgit.

For new user, is there any advice for me to follow? I am 22 currently and felt like my FD rate (1.85) is not worth keeping in the bank.

Almost everything you wanna know can be found in stashaway FAQ, or post on this forum. If you have anything private, you dont PM random strangers on lowyat, you just talk to stashaway customer support via whatsapp/email.

Ppl asking you to PM them just come off shady and scammy to me, be careful.

I repeat, if you have private questions, talk to StashAway customer support. You are paying them 0.8% p.a. to help you in finance matters.

i tried transferring from simple to SA portfolio

took 1 week wtf

transfer from bank account faster

SA needs to improve on this

this one?