Simple has a NO Capital guarantee (my mistake) but it is very very very hard to lose money. Its just slightly better than FD.

If you want to play the market ie, potential more then surely put in a portfolio will have potential for higher returns. But there is always a potential for loss.

This post has been edited by lee82gx: Jul 30 2020, 11:24 AM

As I say, more or less. In all my years of "investing" in money market funds, (+15) there has not been loss. Maybe there is like 0.x% but I can;t remember. But yes my mistake not capital guaranteed as in you cannot claim any PIDM or something like that.

I have not withdraw single cent from either simple nor investment portfolio....Money market funds usually T+1. Maybe you can setup with Fundsupermart that is actually T+1 buy and T+2 sell.

If timing is so critical to you, use banking systems instead, I think its safer in terms of execution time.

These simple, etc is more for you to park your funds while waiting to do DCA, and to cash in if you sell your funds.

Second this. Problem is, some folks auto debit to the Simple account also get deduct 27x !!! Lol. Best just use an account that has very little balance.

Latest corrective action got deduplication, I suppose they are doing it now lo....

Is this a systemic breakdown? I hope not.....BTW did you guys see that they only have 1000+ clients. I would have thought it should be 10x that by now. Imagine a significant no. of customers doing transactions, they need to scale very quickly.

Gold will not drop, especially at volatile times. In fact if it was the inclusion of gold that boost the portfolios value over the last 6 months. I'm glad we have it across.

My thinking is Stashaway does its rebalancing job pretty well. There is no emotion attached. Otherwise I'd be addicted to buying even more gold nowadays.

How do you vca stashaway? You can't set a value to the units....its all just lump into 1 whole value..
If unit trust or share then if it drops per unit by 10% for example u can buy 10% more... but if ur whole stashaway portfolio drops by 10% for example then how would you vca?

Can give example? I mean actually how much more do you invest % wise vs expected TWR? thanks!!

I think many ppl bat many eyes about it. You're just asking the wrong ppl. If I was active trading stocks and my platform crash while I was about to make millions, you bet your last penny I will rage. And the presence of many many platforms to do stock trading mitigates this issue. HLB kaput? Go to CIMB Itrade. Kaput sumore, go to Maybank or TA. However, this does not take away from or add to the job SA is doing whether its fine or not. Remember, have you heard Stock platform deducting ALL your monies? If it does then all the more rage as I wouldn't be able to purchase any stock for the period of error.

I feel there is no need to compare. I'm satisfied with the resolution, I'm giving them another chance, end of story.

Just to chime my 2cents since its off work now. ILP, for me if you buy it long enough like 20-30years, and you nothing major happens you can consider it as get your full amount back before you die. Anytime before that and something happens then free coverage.

Never believe it can make you rich or provide you with anything more than the coverage. Never happened yet as I know it.

But, I still spend a huge sum on it as I am the bread winner in my family and if anything happens to me I need to know my family will not have to worry, or suffer any lack. In fact they are better of if I die now hahaha....only problem is if I half dead and the money may only cover my expenses + lack of income.

hope you guys know that the returns are never exactly as predicted. Besides your time invested is also kind of short.

(typo on 17.28, it doesn't change the rate of returns much).

This post has been edited by lee82gx: Aug 10 2020, 07:51 PM

vanitas is correct, you will get 2.09% per annum, on each single rm invested for a whole year. If you invest for only 1 day then you get 2.09% x principal / 365.

too much sweat has been put into comparing the money market funds. Its there for you to stretch your DCA while getting *some* returns. its also there to lock in your gains if you sell your portfolio....That's it....

If you can, park it elsewhere....otherwise enjoy it better than nothing....

I'm like you. Except my target is 10 years left only. How I wish there was stashaway 10 years ago.

Mine is 60% into 14% risk, 20% into 26% risk and 20% into 36% risk.

I added the 26% portfolio due to the exposure to SP500 but now no more. Just keeping there and treating it like max risk.

I do DCA every month. The amount is a portion of my income. Personally, I put in about 15% of my nett income (ex tax, epf, statutory deductions).
However, this is not my only method of investment or saving. I have ASNB (FI), US shares, and Fundsupermart UT and some Public mutual...so its hard to advise you unless you disclose your age, income, goals, lifestyle.

Not sure what this is? You mean the portfolio AUM?

I really like your real life scenario and replies. How to maintain DCA discipline if 1 to 2 or 3 years not performing......?

In fact I also sold my old time public mutual China related funds which did not perform for years long time ago and now suddenly they are on a comeback. I gonna dig up some old data later when I open my laptop and see. My guess is even if i stayed invested OR worst, dca’ed I’d have been losing opportunity cost.

Another example I can share is related to SP500. I have stayed invested with public global select fund for more than 8 years and yes, it does give 7 to 9 % annualised.

So perhaps a great bet is that US market will always have a positive return forever. Hell, they perform damn well with a crazy president, with a an adulterous one, and pretty fair with a plain black guy. What else can you imagine?

i have some further thoughts to your questions:
1. If I have more to invest - I will split to 3 buckets still.
- Bucket 1 - FI like Bonds / FD / Housing Loan
- Bucket 2 - Increase my insurance coverage so that if anything happens the increase in income (if steady) is covered by increase in coverage
- Bucket 3 - Invest. In this case I will review my portfolio and invest in those that can give me good returns, usually those that outperforms or match their benchmarks. Even in this case I will still diversify a little.

2. I will not let the investment go to 3rd year if the returns lose to FD, especially if the instrument lose to the benchmark. This is where rebalancing is necessary and also in the limited scope of Stashaway they will do it, if not ppl will pull out and they eat grass.

3. Unless its world war 3 (during which Nukes will launch), US Economy will remain strong. My take is that ever since there is internet and technology, the cycles of down will not be as long as last time. This is because every Mutu, Ah Kau and Ali can easily plop money into any market worldwide. Last time it really depended on US people doing it. People will want to invest in the US market as long as it is attractive.

4. Same as situation 1. I will usually DCA more for short period of time.

5. Refer situation 2. as long as stashaway match or outperforms the benchmark, I will keep and diversify if new methods arise. I also have fundsupermart, public mutual etc.

In a way what you say is true. But, it is a fact that if you invest more in the downturn time and when comes to upturn, you will make more. Just that I don't completely advocate any vca'ing formulas etc. I do advocate investing more when others are cautious.

For a short while I thought you have Yahoo finance Premium....Its very expensive for passive investors

futures are green so maybe a small rebound even tonight. Can't even time this if you are sitting inside Stashaway office.