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

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xcxa23
post Dec 24 2019, 10:07 AM

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QUOTE(skl097 @ Dec 24 2019, 09:37 AM)
can use how many times?
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As per t&c, once per account

QUOTE(MGM @ Dec 23 2019, 08:51 PM)
OTHERwise how much is the normal fees for rm50k investment?
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0.8%

QUOTE(honsiong @ Dec 24 2019, 03:11 AM)
Thanks for the tips!
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you are welcome

This post has been edited by xcxa23: Dec 24 2019, 10:35 AM
xcxa23
post Dec 25 2019, 04:24 PM

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QUOTE(joeaverage @ Dec 25 2019, 01:22 PM)
I have an FD if abt rm20k that's maturing soon. Money that I don't immediately need and can be for retirement fund. Plan to put it in SA.

1. Would it be better to do lump sum or break it down to several hundreds over a few wks / months?

2. Also, since its long term - should I wait till Feb or March and see if there's a correction since markets had done so well lately or it doesn't matter.

Thanks.
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in my opinion, do not lumpsum.
reason, as of now the market is very volatile
a much better approach is initial deposit 5k(any amount you like) and then DCA every week 500(any amount you like)
this is what i am doing and when the market is in red, i DCA again and then follow my schedule weekly

as others mentioned, no right or wrong
as long as you DCA, then it will cancel out volatility of the market
xcxa23
post Dec 28 2019, 09:07 PM

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QUOTE(roarus @ Dec 28 2019, 04:46 PM)
Today is my "Ciggy Bank's" 1 year anniversary - risk profile 36%.
» Click to show Spoiler - click again to hide... «

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could you make a separate thread on how to DIY as well as the fee comparison? am very curious about how much fee we can save

This post has been edited by xcxa23: Dec 28 2019, 09:08 PM
xcxa23
post Dec 29 2019, 08:56 PM

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QUOTE(roarus @ Dec 29 2019, 06:35 PM)
Yup you can refer to l4nc3k's linked thread: https://forum.lowyat.net/topic/4744515

Between CapTrader/TradeStation Global/Interactive Brokers - currently TradeStation gives me the best bang for the amount I'm investing bi-monthly. I'll switch to Interactive Brokers later on when I'm closer to USD100,000 total asset for the USD$10 minimum commission waiver.

For now the fees I pay:
i. MYR -> SGD: Preferential rate, about half of Instarem's 0.45% fee
ii. SGD -> USD: 0.006% of value or min USD2
iii. Securities listed on London Stock Exchange: 0.12% of value or min ~USD1.91 (GBP1.50)
iv. 0% fee on dividend handling and custody of securities

I buy:
i. World developed market fund
ii. USD denominated investment grade corporate bond fund
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thanks for the info
i skimp thru the thread

so far i gather
cheapest of all is the annual fee which is 0.07% as compare to stashaway 0.8% to 0.2%. that's ALOT!
and the recommended min to invest is RM 18k or min 4k euro otherwise the brokerage fee eat ALOT

as for tax claimable on dividend, 15% for diy while 30% for stashaway, not too sure on this

unfortunately i dont have such capital and to reach the 18k for subsequent DCA, i think i will need at least 13 months
haiz.. had to stay with stashaway for now

but to be honest, i think eventually they will be much cheaper option soon. from traditional bank 5% to fsm 1.75% sales charge with annual fee ranging from 0.9% to 2.9%, then there is stashaway literally just exchange rate at 0.1% with annual fee 0.8%

i will be transferring from fsm to stashaway.. and if there's cheaper option, definitely will consider it

again, thanks for the info. appreciate it!

This post has been edited by xcxa23: Dec 29 2019, 08:58 PM
xcxa23
post Dec 30 2019, 05:24 PM

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QUOTE(alexkos @ Dec 30 2019, 04:05 PM)
i'll be going to stashaway KL office next month. Anyone want me to ask question on behalf, let me know here ya.

Btw, I have a sponsored online survey coming up, targeting index fund investors. If you are a passive investor, please let me know also ya...

ong mali 2020 everyone!
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I'm gonna be the cheaopo here

1. Will the annual fee cheaper?
2. will stashaway portfolio including china market?

I think that's all for now.
Thanks for your effort!
xcxa23
post Jan 5 2020, 04:13 PM

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QUOTE(Bilvinduet @ Jan 5 2020, 04:07 PM)
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?
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for me, its due to the shaky and fluctuation of the market.
so to offset the fluctuation, i rather frequently DCA then initial large sum then dca..

invest only with money you willing to lose.. so its up to you.
xcxa23
post Jan 5 2020, 09:16 PM

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QUOTE(seiluen @ Jan 5 2020, 08:04 PM)
if for larger investment DIY will more worth it？eg : 100k above
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from here https://forum.lowyat.net/topic/4744515
apparently if you can consistently DCA min rm18k
then its worthy

if not, those brokerage fee will eats up alot.
(correct me if im wrong)
xcxa23
post Jan 11 2020, 01:15 PM

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QUOTE(juliusglc @ Jan 11 2020, 12:46 PM)
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
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i started my SA on july 2019, risk index 36% and losing money until oct 2019 (approximately 4 month) with highest lost during the period about -2.5%. now profit around 5.6%. highest i have seen 7%
so theoretically, high risk, high return and vice versa.

only around mid oct 2019 start to see profit, due to slumber of trade war issue.

i have never tried other risk index as i was recommended 30% during sign up so why not i up to 36% as i can stomach the risk.

of course since started on july 2019, i consistently DCA at least once a week. sometimes 2x if there big drop, like 1% drop in S&P500.

invest in SA due to its exposure imo. since SA able to invest in etf. i do invest in unit trust thru fsm and one of it is US focus and another global focus. ROI for one year is 7.2% and 10.5% while for SA 6 month 5.6% imo is good.

the market currently are in fluctuation mood, trade war, brexit, wars, ''prediction of recession 2020''. so expecting more fluctuation in 2020.

This post has been edited by xcxa23: Jan 11 2020, 01:16 PM
xcxa23
post Jan 11 2020, 03:46 PM

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QUOTE(juliusglc @ Jan 11 2020, 01:36 PM)
Thank you for the reply,First and foremost i just wanted to congratulate you for your high returns.

You have a very good point to mention that there is certainly volatility in the current market trends due to world events. However,i have attended a few stash away events in person and what was often mentioned is that high risks would lead to higher returns in the long run only e.g after 10 years and whatever ROI which one may receive in the short term may be lost within a week (for high risk profiles).Thats why i did not opt for high risk investments for now as i am trying to assess the effectiveness of the system in the short term (i define short term as within 6 months).

However, this outlook may or may not be speculative or theoretical.We ll still need to validate what they have said in our practice.So far,the short term yields for low to medium risk profile isn't really showing based on my experience.
Thank you for the reply,

I have been investing for the past 4 months and have been closely monitoring my financial progress based on a mixture of high and low risk profiles.

As i have mentioned before, i just want information.No anger or emotions involved.I just wanted feedback on the long investment using stashaway and what are the advantages of using this system over other investment methods like REIT,bonds,stocks,EPF etc. As we are putting a risk in long term investment,is it worth to invest.Money can be earned but time cannot re-imbursed unfortunately.

Thank you
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thanks.. both of unit trust i mentioned earlier was in red since i bought it. only after 6 month or so, it started to profit.
to track the etf/performance of stashaway etf selection, one can look at the S&P500. of course its not as simple as that, just a simple and easiest indicator of how SA portfolio will perform especially with 36% risk

hmm.. imo, unit trust/mutual fund/etf, the duration for short term min should be 3 years. mere months is hard to conclude anything especially the fluctuation is frequently. my parent bought few unit trust with ROI of 110% 80% and 60%, holding period around 10 years and my other fund in fsm, bought in 2017 was in red n green, mostly red for at least 2 year and only last year sept 2019 started to see green,only a few of them roi >10% as of today
xcxa23
post Jan 11 2020, 08:55 PM

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QUOTE(neverfap @ Jan 11 2020, 01:42 PM)
I think you can study more on ETF (especially those chosen by SA in your port)

From there you monitor them. We are actually not investing in StashAway itself but the ETF selected by them.

By monitoring the ETFs, at least you can understand when there's up and down on your portfolio
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technically we are also investing in SA services, the robo's AI capabilities
bear in mind, we have no control over the selection of ETF and its portfolio apart from risk level and re-optimisation. but we can opt out from the re-optimisation afaik
xcxa23
post Jan 14 2020, 08:42 PM

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QUOTE(SwarmTroll @ Jan 14 2020, 02:54 PM)
Invested since Jan 2019, Risk Index 36%

MYR
TWR: 24.17%
MWR: 20.68%

USD
TWR: 26.05%
MWR: 26.52%

Other 36% kaki?
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since july 2019, risk 36%
dca weekly and whenever there's dip

MYR
TWR: 7.28%
MWR: 11.27%

USD
TWR: 10.09%
MWR: 16.40%
xcxa23
post Jan 16 2020, 11:36 AM

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QUOTE(honsiong @ Jan 16 2020, 10:52 AM)
-ve currency impact is actually good, meaning ur salaries, existing bank accounts, EPF everything else are worth more in intl market.
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this
i would choose strengthen RM anytime.
even if my SA -ve returns due to strengthening RM
xcxa23
post Jan 27 2020, 06:08 PM

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QUOTE(happyhaka @ Jan 27 2020, 05:46 PM)
Hey guys, I want to get started on Stashaway. Thinking of RM10k to start then 1k/ month commitment. What's your thoughts on this?

On a side note, any referral code? I think this is the best way to get started since I saw that first 6 months management fee is waived?
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depending on how you view the market
if you believe the market will go upward/bull, lumpsum all the way

if you believe the market will fluctuate a lot, break down the 10k for multiple deposit
xcxa23
post Jan 28 2020, 05:16 PM

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imo
DCA weekly if your income/salary/paycheck or payment you receive daily/weekly

or you believe market fluctuation frequently

and for those planning to ''time'' ''match'' the market
im sure most of us here will have allocated budget for certain category
sacrifice some of it, like budget for starbuck/bubble tea and use it to pump into the market.
xcxa23
post Jan 28 2020, 06:12 PM

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QUOTE(zstan @ Jan 28 2020, 06:04 PM)
If you want to time the market I don't think roboadvisors are a suitable platform. By the time the market moves, you deposit your money, it may take 2-3 days before it reaches your account and another 1-2 days before it gets invested into the funds.

If you want to play with time should buy the ETFs directly. Roboadvisors should only be for regular dca and savings IMO.
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what you said is true as well
sometimes they are fast, not always
my experience is at most 2 working days.

i lurk around those DIY etf, the min amount recommended around 4k or otherwise the fee cost alot
and also the whole process will take much longer (based on my understanding did not 100% read finish the thread, since i dont have 4k each time to DCA)

but these robo is the most efficient and does not required huge amount to DCA.
xcxa23
post Feb 11 2020, 04:20 PM

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QUOTE(zerolord @ Feb 11 2020, 02:32 PM)
hm....I'm still debating with myself on this...
https://www.morningstar.com.au/learn/articl...mp-sum-i/197410
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We have a sum of money to invest but I am pretty sure we still have much money to invest after getting our salary/income
What should we do with it? Wait until it become a lump-sum cash, wait for the crash,

Or

Find similar or better than the current investment tool?
It's good to diversify but you just lump-sum on previous investment. So even if found good investment tool, must wait until lump-sum?

Our salary and income are active. I have money coming in every week every month. But the amount not big to be call lump-sum.

But I don't want to wait until it become lumpsum. The money sitting at FD with mere 3.5%

If I were to wait until the market crash and at that same time I building my lump-sum cash, what is the opportunity cost? How long should I wait? How much gain I am missing out? How much compounded return I am missing? Will the bull come after the crash? Will the bull overtake compounding interest?
xcxa23
post Feb 17 2020, 12:38 PM

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not quite comparing apple to apple but just a food for thought
https://www.fundsupermart.com.my/fsmone/fun...Fund-MYR-Hedged

this fund annualised return is at least 13% with 0.41% annual expenses ratio also there's sales charges
holding for around 15 months, monthly DCA and significantly more during trade war, corona virus, etc, ROI 12%

stashaway, approximately 8month, DCA weekly, significantly more during trade war, corona virus, etc, ROI 8.5% and still with free management fee
xcxa23
post Feb 17 2020, 04:34 PM

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QUOTE(BacktoBasics @ Feb 17 2020, 03:15 PM)
Agreed.

But like I said I am thinking how to DCA for FSM UT. I have invested since 2017 and my current returns based on my portfolio is about 4% only.

seems very sad
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Yes. It is possible to DCA monthly via fsm. I forgotten the term but there's an option for it. Try call or email fsm customer support.

I too dive into fsm late 2017 and DCA monthly and when there's significant drop. Now sitting at around 11%.

Stashaway mid of 2019.
xcxa23
post Feb 19 2020, 03:54 PM

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Anybody know what's the annualised return for SA?
>15% for the highest risk 36%?

United Quality and TA global have annualised return of at least 13% for the past 3 years.

xcxa23
post Feb 20 2020, 08:39 PM

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QUOTE(Ancient-XinG- @ Feb 19 2020, 05:19 PM)
they yet to released the data yet.

but as for me around 13% for risk 18.
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QUOTE(blur19755 @ Feb 20 2020, 03:11 PM)
started with 36% risk since 3rd Sept with rm1k, DCA till now till 2.5k. Today's return is rm2736.47 already close to 10% within 6 months.
Not sure how good the annualized return gonna be, depends on US market!
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thank for both of your input
mine is 36% as well
as of today, approximately ROI 9.4%, deposited on july 2019

QUOTE(ZeneticX @ Feb 20 2020, 05:35 PM)
i've just started stashaway as well and been reading replies in the last few pages here

can anybody explain to me what is DCA and how it relates when it comes to investing in stashaway?

btw I've created 2 portfolios as a start. 1 for general investment with 20% risk index, the other is goal based index (buy a car in 7 years) with 16% index. Already transferred 1k as a start for both, with recurring deposits of 100 for both every month. Is all good?
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its totally up to you whether DCA or not
if you found a much better investment tool and you believe the return is better there by all means go ahead
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