its been flat line since 3 months ago right or its just me

I want to ask US election if trump win share up or Biden win share up?
or you think regardless who win share will go down?

unless, trump don't back down, then bring to supreme court.. i think market might plunge..

Withdraw all
With a marginal profit

Come bck next time

I'm also using Wahed as well. The profit/loss margins are relatively stagnant compared to SA if you compare side by side with almost similar risks. Maybe that's just me 

Which portfolio are you using in SA/Wahed?

SAMY app for Android got update.

suddenly i got rebate for SAMY simple

i also get the 2nd time rebate from Simple (Invest since Jun 2020).

Invest as at 27/10/2020 - RM 18++
Rebate on 27/10/2020 - RM 1.07

Around RM 1.8k. Just don't know for what reason they give rebate, but hopefully can always get rebate 

Required so huge amount of initial investment but the return just so so.

The rebate seem like not follow the total investment.

Not always. StashAway in Singapore gave rebates to Simple users a few times because the actual return has been lower than advertised, that rebates may not have come from the fund providers, its just out of stashaway’s pocket.

From their email dated 26th August 2020:

From 1 September 2020 onwards, StashAway Simple™‘s projected rate will be 1.4% p.a.

Why it changed
As many of you know all too well, the world is facing uncertain economic times. To stimulate the economy, global central banks keep lowering interest rates. Although this is great news for people looking to borrow money, the lower interest rates also make it more difficult to earn rates on cash.

After continued analysis of the economy and central banks’ decisions, our investment team believes that interest rates likely won’t go back up for the foreseeable future, meaning the underlying funds will be earning less. Given the lower interest rates around the world, the projected rate that we expect StashAway Simple™ to deliver is 1.4% p.a., and that rate will be effective starting September 2020.

You may have noticed that the 1.9% p.a. wasn’t being earned by the funds alone recently. So, instead of lowering the rate a few months ago when the funds weren’t performing as well, we added a rebate to bridge the difference between the projected rate and the actual rate. This is part of our promise of complete transparency to you: We haven’t, and we won’t, communicate a projected rate that we don’t expect to deliver. We also don’t offer a range that you might expect, because we simply aim to give you what we tell you.

Now, you might be asking, “Why doesn’t StashAway just invest in different funds to earn a better rate instead of now offering a lower rate?”

The answer is simple (no pun intended):
We fundamentally believe that cash management should simultaneously serve two equal purposes: First, it should keep your cash away from risk; and second, it should grow your cash. In other words, we don't believe in increasing your risk exposure just to grow your cash by a few more basis points, as that would compromise one of the two core principles of cash management. That’s why, for instance, StashAway Simple™ isn’t made up of Fixed Income funds with “variable NAV”, but only selects funds with “stable NAV” pricing. Anything with a floating NAV is not a suitable cash management option, but rather more suitable for medium and long-term investments.

You also might be asking, “Why doesn’t StashAway keep offering a rebate to maintain the 1.9% p.a.?”

Recently, the interest rates have become lower, meaning the rebate would have to be too large for us to sustain. While this product is free to you, we also don’t earn any money on this product. Any rebate we receive from the underlying fund managers is fully reimbursed to you.

Who is penalizing you?

Mayne SAMY is given a good rate.