Stashaway does not perform, it only generated 74% return few months ago. What a terrible return, dogecoin did way better.

All mentions of "Artificial Intelligence" by Stashaway

I dont know what to conclude from ur statement other than having 6 digits allocation has little correlation with basic investment knowledge.
Well. Cheers. All the best abd haply investing.

Stashaway assets dont perform, limited to 1 year time horizon.

It's stashaway's job to determine if fundamentals have changed. And according to CIO Freddie, things have changed.

It seems like you are probably a boglehead, maybe you should just buy VWRA and chill. (I also hold a lot of VWRA and VXUS)

You only invested for 6 months, you already got 6-7%... That's almost 12-15% p.a., way higher than S&P 500 average annual return.

I was using stashaway for 17 months and got -23% during 2018 trade war xmas crash.

BTW Stashaway being so diversified, it means that stashaway will almost NEVER outperform pure equity indices ETF like VTI, SPY etc. But stashaway just has less brutal drawdown when market goes red.

I dont know what to conclude from ur statement other than having 6 digits allocation has little correlation with basic investment knowledge.
Well. Cheers. All the best abd haply investing.

I have been using Stashaway since 2017Q3, my core portfolio has been through 3 reoptimisations, they have been doing stellar quarters following the reopts.

I will stick to stashaway for my defensive portfolio, while I use vanguard ETFs for very long term portfolio to save management fees.

if want to buy and forget,...historically S&P 500 has a better chance....this better chances also has to be dependent of when you buy it and for how long before you EXIT....

i think your "experience" is similar to another forummer had expressed just 2 months ago. He has 2 SAMY port (both Old and new)
he compared a before May 2020 SAMY port (heavier in S&P) with another SAMY port that are reoptimizes in May 2020, which was more diversified
his "OLD" port performed better, this few months back

my take is,
SAMY is not a buy and hold investment style platform ....for they are charging mgmt fees.
there is a different between buy and hold investment style between investor like us and the management of the investment platform like SAMY.
we investor buy and hold in SAMY for we think that SAMY will "NOT" buy and hold without changing its composition
if i wanted a buy and hold for long term non active investment port,...i would not go for SAMY....why pay them annually for doing nothing

same goes for FSM management portfolio....we buy it for know they will manage it for us and we paid them for it....
same goes for any unit trust funds too.....we buy them knowing that the fund managers will get "good" stocks for us

while we let them manage it for us,....the decision of where and how to allocate it is their prerogative...

if after some time,...if we feel that it is NOT performing as expected.....we EXIT

same as employing a staff to help us in our business.....if he cannot perform,...get him fired.

YES,....the fact is true if comparing the last 10 months....i think S&P500 has performed much BETTER than any platform that has KWEB & GOLD in it.

YES too on this " someone here posted something regarding SA might not outperform sp500, but will have lesser fluctuations,"...for the composition in it is different....., BUT again,.....depending on when that data are being made and till when will that data stopped....example, those that got into S&P500 6 months before the DOTCOM burst or Sub-prime crisis starts, would have said...."damn...should not have placed all my eggs into this S&P500" during his review 3 years later

if you have deposited since january 2020 then you also likely experienced negative returns in March 2020 which have now bounced back to 6 to 7%. if you clam to have six figures investments i am wondering how did you dca..?

Weeks ago they disabled it and made everyone move to new portfolios. Trading for the minority staying on old portfolios makes it inefficient for them.

Also we pay them fees to figure out whats best for us, so in their opinion old portfolios no longer work well, and we should either follow them, or quit stashaway n DIY.

think nobody could foresee the KWEB crash and Jack Ma opening his big mouth.

Defensive... yeah, and diversified, managed by professionals.

I used to live in SG but now in KL. If you wanna buy ETFs directly check out Ziet Invest youtube channel on https://www.youtube.com/channel/UC-h5sZ-O_4KbdzPy6hxYd9g

1. Open CIMB Singapore account
2. Open Interactive Brokers, or Prosperus, Moomoo etc

I consider Ziet the best finfluencer in Msia right now. He doesn't shill for any particular services at the moment, more honest than Jason Leong, Suraya Ringgit oh ringgit, KC Lau actually.

Ironically, the ideal use case for stashaway is for those who do not want to study investing.

EPF/ASNB has currency risk. MYR depreciates you entire net worth tanks. Stashaway can mitigate that.

 
if only if the timing was right...
bought S&P500 index on June 1982  
else, if bad bad luck, can have many chances of 30 yrs without seeing much 

what worry me most is,....if S&P500 were to burst and fall too quick for me to react,...will i be able to wait for 30 yrs for it to recovers   

I see so many SA bashers here.

Is there something I'm not getting?

That's what people said about Japanese stocks and real estates in the 1980s.

Japan is special, a small plot in Tokyo is valued more than entire Manhattan, no problem.

And then it goes into 30 years decline.

When people start having that shock and disbelief, we are in mania phase, its dangerous. That's why Stashaway diversifies aggressively because we don't know how things will be.

I am more concerned about other robo advisors that don't update their portfolios because they lack confident in finding what is the right thing to do.

Stashaway updates are similar to lynalden.com.

maybe SA knows that there are already a few "robo" fintech investment platform in malaysia/spore offering True S&P500 etfs or S&P500 heavy portfolio, thus they did not want to get into a crowded field

judging from the SA website,...i think they emphasize on Risk management rather than about returns....

yes, that is very true "In the history sp500 has never fails to recover from dip",...just that some maybe too old to wait for it to recovers