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Investment StashAway Malaysia, Multi-Region ETF at your fingertips!

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SUSxander83
post Jan 20 2021, 09:12 PM

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QUOTE(Oklahoma @ Jan 20 2021, 09:06 PM)
Guys need your help.

What does SA means by time-weighted return / money weighted return?

Which of these 2 metrics calculate my annualized return? And if not, how do I see my annualized return? Im quite confused with how SA reports its return.

Because my time weighted and money weighted is currently at 30% and 28% atm. I think this is not annualized because its ridiculously high...
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Under performance change the time to either 12 month or YTD to see the difference because currently is cumulative since day 1 deposit
SUSxander83
post Jan 20 2021, 09:24 PM

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QUOTE(Oklahoma @ Jan 20 2021, 09:20 PM)
I tried it, by changing view to YTD or 6 months; But the time-weighted and money-weighted doesn't change. It's still at 30%.

How I wish SA has this feature to change the return based on the time period.
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Did you try changing to USD and see whether it works?

Otherwise drop them a message for them to fix it rclxms.gif
SUSxander83
post Jan 20 2021, 09:41 PM

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QUOTE(Oklahoma @ Jan 20 2021, 09:30 PM)
oh but our friend xander83 can see returns for different period.
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Did you just update the app? I suspect it is the new version update because the old version has a scroll down for timeline compared to the new one which all timelines displayed

Just dropped them a message as I dropped them a message with screenshots for it to show the linkage with algorithm calculation not working rclxms.gif
SUSxander83
post Jan 20 2021, 09:45 PM

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QUOTE(WhitE LighteR @ Jan 20 2021, 09:28 PM)
i believe SA calculate start from the day u invest. its not annualized
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Just got an answer from SA and you’re right

The chart shows timelines with different time periods while Performance Details with numbers it is only for since Day 1 rclxms.gif
SUSxander83
post Jan 20 2021, 11:16 PM

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QUOTE(Oklahoma @ Jan 20 2021, 09:54 PM)
1) How the hell did you get SA response so fast.

2) oh lol that means cant really drill down performance detail for different periods.

What a noob app, wish they have this feature
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Cause they screwed up my sell order so that’s why I can get response so fast tonight

Detailed performance I used Bloomberg to even drilled down until 3 day and weekly performance

QUOTE(hedfi @ Jan 20 2021, 09:56 PM)
Is there a difference between DCA USD100 and 1000, thought it's of a percentage of the amount you deposit
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The amount matters as it is based on exchange spot rate minus -0.1% At the current baseline spot rate USD100 is RM403.95 while USD1000 is RM4039.46 which after minus 0.1% conversion service rate the difference is about RM0.04 which

So DCA will always lose about 0.8% due to cents rounding which can add up to a few dollars as from my experience hence is why I timed when to put and when take profits at the right time

They maybe not insignificant but it adds up to the profit of the brokers which relies on the micro gain from this type of rounding

This post has been edited by xander83: Jan 20 2021, 11:17 PM
SUSxander83
post Jan 21 2021, 07:17 AM

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QUOTE(Oklahoma @ Jan 20 2021, 09:20 PM)
I tried it, by changing view to YTD or 6 months; But the time-weighted and money-weighted doesn't change. It's still at 30%.

How I wish SA has this feature to change the return based on the time period.
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Try click on Assets under Asset Class it will show TWR with dropdown time period Since 1st deposit, last 1yr, YTD, 6 to 1 month

It is only will show 1month calculation update weekly for active portfolios from those looks of their algorithm
SUSxander83
post Jan 21 2021, 02:20 PM

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QUOTE(hedfi @ Jan 21 2021, 11:47 AM)
Ok, thanks. Won't happen if they use 3 decimal then
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Financial calculations are using 4 decimal points while markets depending on which type of investments some are using 8 decimal points

Only legal tender value are rounded 2 decimals based on currency tender value

QUOTE(stormseeker92 @ Jan 21 2021, 11:55 AM)
It's ath now with KWEB on steroids. Better ride the wave or secure profit?
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Secure profit while leave the base to ride the wave
SUSxander83
post Jan 21 2021, 07:54 PM

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QUOTE(Don_draper @ Jan 21 2021, 06:56 PM)
Has anyone took out profit before ?
Let’s say I invested 10k and now finally reached 11k . Is it a good idea to take out the 1k profit ?

Thx
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It depends on you whether you need the money but if you need the money just take out max of RM300 from your profit and sometimes you will by lucky when they execute sell the order you might gain a few dollars extra

I usually take profit when the USD is weaker just only about 30% maximum from the profit pool for extra spending money rclxms.gif
SUSxander83
post Jan 21 2021, 10:08 PM

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QUOTE(Don_draper @ Jan 21 2021, 09:54 PM)
i see.
sorry, i thought stronger USD = more RM ?
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It depends on the market scenario but in most scenario when USD, EUR strengthening tell tale signs more RM when selling against those currencies

Like now RM is stronger because USD is weaker, oil price is govering around usd54 per barrel and no rate cut

Sometimes both currency can be stronger with each other just like now with RM versus SGD


SUSxander83
post Jan 21 2021, 10:13 PM

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QUOTE(stormseeker92 @ Jan 21 2021, 10:06 PM)
red day today? haha cant stop following the stock market every single damn day
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Futures showing slightly up but around mid day might be a small correction

Those on IJR can be patient high likely another breakout just like KWEB rclxms.gif
SUSxander83
post Jan 22 2021, 05:03 PM

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QUOTE(AureusX @ Jan 22 2021, 08:49 AM)
when you withdraw a small amount, SA will usually take out from the profit pool first?
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The management fee is will be deducted Fromm your base pool monthly on the 1st for the previous month
SUSxander83
post Jan 23 2021, 01:36 AM

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QUOTE(skyvisionz @ Jan 23 2021, 12:51 AM)
Does the auto-reoptimization settings good? Anyone turning it off?
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Turning it off will make the your portfolio stagnant especially when situations like now which the robo can’t sell when it’s on the peak and correction is happening

If you wanna try do small amounts like USD1000 as you can see the difference then rclxms.gif
SUSxander83
post Jan 23 2021, 09:08 PM

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QUOTE(stormseeker92 @ Jan 23 2021, 04:42 PM)
Wahed is slowing down and becoming stagnant. I think SAMY is the way
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HLAL is already peaked and now is on correction mode which I am waiting to re enter again rclxms.gif

QUOTE(anwa @ Jan 23 2021, 04:49 PM)
Been dca-ing for 6 months, always Thursdays. So far what happens is 7-8am in the morning I jompay before I go to work, by noon will get notification they received. The next day ie by Friday usa market close the buy order would be completed. However, has anybody noticed in recent month, it has been getting slower. For pass 3 weeks, the buy order only completed on Monday usa market close. For dca I guess I doesn't really matter to me etf price wise but I don't like if SA is earning extra few days interest holding our money. Any comments?
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Nothing to do with SA as the clearance from JomPay is slow towards end of the week since early November

It’s always best to dca on Monday and Tuesday to take advantage the market as the actions happens then as the buy orders are always active on those days due to the market movements


SUSxander83
post Jan 24 2021, 02:51 AM

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[quote=stormseeker92,Jan 23 2021, 09:29 PM]
[quote=xander83,Jan 23 2021, 09:08 PM]
HLAL is already peaked and now is on correction mode which I am waiting to re enter again rclxms.gif
Nothing to do with SA as the clearance from JomPay is slow towards end of the week since early November

I'll continue DCA for SAMY and wait for the dip to DCA in Wahed lol

My main would always be SAMY
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[/quote]
Wahed next week will be rocky due to earnings season but can buy a bit next week when hit below 35

[quote=anwa,Jan 23 2021, 09:47 PM]
Oh didn't know that. Ok will switch to Monday/Tuesday. Is it still better to use jompay then? Also, does this mean I should jompay on sat/sun or Monday morning?
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[/quote]
If deposit on Sunday, Monday night the trigger buy order will be submitted because usually the money will be received by 2pm and Tuesday you should see the algo processing the buy order and will be reflected depending on the price level.

Not sure if anybody noticed if anyone take profit last week withdrawal was process very fast this time as it only took 1 business day rclxms.gif
SUSxander83
post Jan 24 2021, 01:55 PM

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QUOTE(joefacker @ Jan 24 2021, 09:01 AM)
hey guys, wondering why does SAMY takes such a long time to receive my deposits. I understand it's T+3 days. However I made a deposit on 18/1. Funds have been deducted from my bank account on 22/1, but still not reflected in SAMY as of today. It just shows it's in progress. Is this normal?
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Normal because last week was a short trading week because of Monday was the annual Martin Luther King Jr day

Coupled with the buy entry was difficult due to record high hence the money was still in processing just wait until Wednesday to see whether any buy order initiated and if still in progress contact support for updates on what happen

Don’t worry too much because it is only small amounts not like millions are riding into it

But surprisingly last week withdrawal was quick rclxms.gif
SUSxander83
post Jan 26 2021, 02:48 AM

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QUOTE(Jitty @ Jan 25 2021, 10:39 AM)
dint work for me too  cry.gif
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Try asking them otherwise switch portfolio rclxms.gif

QUOTE(taiping... @ Jan 25 2021, 07:32 PM)
Expected return 30% per annum

I was thinking of 36% risk index

I am ok wit losses but not too much 😓

Am planning to hold for long term

Say 10 years
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Even the legendary Buffett can even hit consistent 20% pa in the past 10 years unless you willing play options or forex 30% pa easily then doh.gif

QUOTE(stormseeker92 @ Jan 25 2021, 10:23 PM)
I don't, but there is still a chance. Considering they expanded to MENA. unlikely they will gulung tikar soon
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MENA is their next market due to growing exposure micro investing particularly NA region which is the next frontier rclxms.gif
SUSxander83
post Jan 26 2021, 09:14 AM

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QUOTE(lee82gx @ Jan 26 2021, 08:09 AM)
You still end up buying lots of GLD and VNQI. I hope you won't ask why not buying the ijr and kweb or aaxj etc which are so hot instead.

But if you are really trying to ask if you should or should not buy during the peaks, then this question has been discussed ad nauseum. In a bull market, the risk of not entering and losing opportunity is higher than making a loss. Think of it this way: your portfolio already invested should be many many times more than your planned dca this month. So why worry about the small amount buying ath, suffering correction but not worry about your big pool also suffering the correction? If thats the case why not sell the whole portfolio now?

Thats because you believe deep down it will rise, eventually. So if indeed that is true, why not keep investing / invested?

BTW I am only sharing my useless 2c. Don't listen to it.

user posted image
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That’s the beauty of 36% because KWEB and IJR which I predicted breakout weeks ago so now the rotations is happenings to GLD and VNQI which is normal that is why auto reoptimisationis for to rebalance the portfolio

Always the long game but if is scared just take partial profit of the gains and leave the pool money sit there

Can’t imagine these type of people doing own trades will be panicking when even a slight drop of 10% because the market will always correct itself just like what happen today with a retail trader making from 56k to 11millions within a span of less than 3hrs

SA only check twice a week will do as the gains will always outnumber the loss no matter what happen rclxms.gif
SUSxander83
post Jan 26 2021, 03:40 PM

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QUOTE(lee82gx @ Jan 26 2021, 12:52 PM)
right now, the among shares, UT, and stashaway, I honestly think SA is the safest instrument in such a hot market.

But, that does not mean I am literally stashing all my cash here. I just think that the methodology proposed is safe - when all are greedy be careful.
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Shares and UT and SA are different beasts of its kind but in terms of risk assessment definitely SA because of the methodology they with low expense ratio

When all are greedy it is the time to strike because correction happens to buy into the dips rclxms.gif
SUSxander83
post Jan 26 2021, 07:38 PM

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QUOTE(cr7jyej @ Jan 26 2021, 06:44 PM)
No KWEB this round 😂

user posted image
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Rotation in place now because more is sitting on GLD
SUSxander83
post Jan 27 2021, 09:32 PM

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QUOTE(stormseeker92 @ Jan 27 2021, 08:04 PM)
sp500 futures free falling lol
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Usual correction every 4 yrs but these time will be volatile

Took my gains and now waiting to pounce since this month only already gain 5% rclxms.gif

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