that means your previous high is pretty high~! hahaha

how come so fast.... was hoping that it keep at this level a little longer.... really haven't get enough at this price level....

ah shit forgot dca..

Better to benchmark against other funds, not benchmark against market indexes... going up when market up isn't even an achievement.

Going red when other funds are green, now that's an achievement.

The reason why i choose SA over Wahed or others platform is probably the community & support surrounding it.

I moved all my funds from Wahed to SA since I got the higher risks; 36% unlock.

What I like about SA is their app, community, supports and better transparency than Wahed.

Wahed to me, just boring.

yeah. here 

Facebook got toxic meh ?

you mean that you pump the 10% for house reno to SA? 

oic... how was it so far? godd return ? 

just wondering is there anyway to know the average price for all the ETF holding i have on my own SA portfolio? (i only can find the units i holding but not the average price)

Hello all, I have a question for all of you. (you may think this is out of place, but it's okay, we can explore in this viewpoint).

What keeps you awake at night? Would your investment in/via Stashaway be one of the reasons to keep you awake at night?

If yes, why so? what's your pain points about this Stashaway?

The two pain points of SA for me is that it's not that cheap in terms of fees compared to DIY, and that in the long run the method of SA's investment style means that it'll be flatter profits compared a more narrow portfolio.

That said, if a person wants to invest in overseas equities without doing too much market research, but dislikes paying the higher fees of mutual funds, I'd still recommend StashAway.

I have investments in China heavy UTs that plunged more than -30%, compared to -6% being the lowest dip of my 36% SRI StashAway portfolio that was mostly bought at February 2021 ATH. The dip level of SA to me is very acceptable given the supposed aim of StashAway which is to minimise risk.

StashAway IMO is for those who small fry cannot invest much money (since very few investment platforms out there allow you to do deposits in 2 digits that won't get eaten by fees), and/or people who don't have the time or knowledge to do DIY (functionally, people who like mutual funds but don't want to pay mutual funds sales charges).

Obviously if got the knowledge and capability to DIY, DIY will be better in terms of saving fees and (potentially) have better profits.

His returns also because he's got the financial stability from family to start early and HODL for decades. It's largely a combination of luck and genetics.

On surface and positive narrative he is damn good investor

In reality he is one of the best gamblers in options and what not.

I don't blame them, I spent years buying and staring at these funds myself in PM, FSM etc before digging in. I hope when I ask the question, intrepid forumers will start thinking and asking the same questions too, and find the answer.

Ultimately my personal question is this - IS IT suitable for Malaysians who have forced savings, social security net, at times exceeding their pure equity or cash bucket, to buy even more bond (funds) as a ballast to their investment or retirement portfolio, JUST to satisfy that modern portfolio theory. I've stated so many times, MPT was derived or designed for western cultures that do not save, does not have social security like EPF, certainly not in such a heavy scheme (20%+ of gross income). Furthermore, we have ASNB/SSPN as you say that generates the similar functions.

My own summary when I read, and bear in mind I have only glanced through "Portfolio Selection" and I have a bachelor's degree in bullshit when I say it does look like bonds are a class to reduce overall risk which above can do, and to a certain extent does very well due to the very high allocation (20% of gross income can mean 70% of fresh investment, easily).

If I am right, then it makes no sense to achieve a lowered risk portfolio in your investment portfolio - IF - you have a big EPF ballast in your nett portfolio other than to reduce the risk further which also means to reduce gains further. What you gain is perhaps more sleep.

Then, my question if I am right is why bother with low risk index if this is all that you will do?
Sorry to quote you so many times, but to add to my initial drivel above about bonds, is the question of expected returns, if you have a risk index at the max 36% - equaling the historical risk index of S&P500 (citation needed), either Stashaway is a genius that can exceed it with bonds 10-20% or you should not expect anything higher in the long term....

And we all know that the long term return given by S&P500 is 8%.

They never publish their drawdowns, as well as ACTUAL standard deviations. This needs to be published big big, in order to generate confidence and understanding.

Many people are cashing out most of it before 55 for nonsense too 🙂