I think I kick started the weekly deposit thing, been using StashAway Singapore and Malaysia before they launched in Msia.

Weekly deposits, graph smooth like your chun doi.

nobody posted for few days in stashaway, so let me post

Anybody receive email for brand prefererence test ?

StashAway Support: Invitation to StashAway's Brand Preference Test: 10 May - 14 May 2021

its called diversification and passive management. A bit too overwhelming if we actively managed 100% of the funds

With bond etfs performance of 3-4 percent in SA portfolio, this is going to pull performance down compared with annualised 10%  30 year average of s&p. But not many people has can stomach the volatility of s&p500, so SA has its place.

Don’t get me wrong, I love SA and i just wish people have more reasonable performance expectation of SA.

Agreed. SA's strategy is for diversified asset classes and risk management, which lowers volatility at the cost of lower capital gains.

If people want rocket to moon, SA is not the platform for it, KWEB notwithstanding

Basically these two things put together is giving you an underperforming portfolio right now.

36%SRI invests heavily in KWEB which was overvalued and at ATH (all time high) during February at easily 80+ USD per unit. Subsequently it has dropped down to a more logical amount of 72-ish per unit. that 10 usd reduction will impact your portfolio seriously at least for short term

Gotta stick around for at least a year or two 😅😅 you entered at the wrong time really.

KWEB looks to be about stable now, at least for the moment, who knows what might happen in the future.

That said, MYR is moderately strong and USD is a bit weak, so now's a good time as any if judge based on forex 🤣

Technically yes, you will get more KWEB units, however it also affects by USD conversion.

Correct me if I am wrong.

KWEB baseline high valuation is a total 72.50 for a long long time hence if buying and believing it now it is the time load up

MYR is strong 2 weeks ago due to rising commodities but this month will be seeing breaching easily 4.15 or maybe even overshoot to 4.17

USD will rise back of bond yields and taper tantrum is back 
Averaging your purchase units but however it will affect your USD portfolio value and averaging RM conversion after units purchase

You deposit in MYR, then SA convert MYR and invest in USD.

YOUR INVESTMENT IN USD.

So weaker USD = strengthen MYR.

USD 1 = MYR 4.20
USD 1 = MYR 4.15
USD 1 = MYR 4.10
USD 1 = MYR 4.05
USD 1 = MYR 4.00

When you withdraw investment and wanna convert to MYR, it's getting lesser.
This is the risk of FOREX.

SA's ETFs are traded in USD, so SA needs to convert your deposits into USD before they can buy units. Conversely, when you "withdraw", they sell off units and convert the USD earned into MYR before deposit into your savings account.

So if MYR strong during buy time, can convert to more USD, if weak then less USD.

Then if MYR get stronger during withdraw, your gains/losses might not be as high as when MYR is weak during withdrawal.

The ETF traded in USD and you actual traded portfolio value are in USD

RM portfolio value is only taking USD portfolio convert back to show your account in SA which is RM value

Hence any movement USDMYR will impact when you withdraw while MYRUSD will impact your deposits

Even is RM is stronger no point unless you are planning to deposit more to take advantage of weaker USD

Only USD portfolio matters when you are buying the ETFs and showing the actual performance of it

If you compare your RM and USD returns you notice the difference in returns in % and each currency value

That's about correct.    But I think one should be too concerned with the currency exchange if the investments are very long term say 20 years. It may not affect much.

feel like pumping in RM18k today to stashaway.
malaysia stock market.. really... super political, so hard to trade nowadays.

cause I use the 5% rule capital and cut win FREIGHT from bursa then change to SA..

Cause its too hard to trade in bursa nowadays.

Other capital all bag holding right now, slowly cut batch by batch to put in SA

I practise the 5% capital rule when a counter is up 5% of the total capital invested, I’ll take profits. Or when it is down 5% of total capital, I cut loss..

I find it very hard to invest in bursa nowadays, good companies’ stocks are going down like buckets of water, whereas the non-performing ones skyrocketed in a day or two.

Gambler’s den!

30% because of IVV but correction in due course so you will take hit soon
Lump sum is the best if you know how to hit sweatspot of MYRUSD deposit coupled with low entry buy price point
Expected before when the 1st level hits during end of April but will go back up soon to support level and just wait for breakout now hits can start counting your gains for the year because after that will be another China Tech tightening soon

Tightening means that regulation in place and no more bad news in near term by CCP

BABA price is already stabilising while Tencent and Baidu just a smattering small level to buy in again

China tech tightening already happen since March just that no one bother about it so to those who buy into KWEB at 80+ level at that time will have endure at least by early next year to regain the price level

At high 60 mid 70 would be the current fair value for KWEB unless more good news to come

Anyway SA exposure to KWEB max 20% won’t affect a lot unless to those who buy in at 100+

2k of profit already wiped out, maybe another 2k after the update today.

I just do the monthly DCA. I don’t have many bullets to pump when I think there is down. Most of the time i pump too early. Market timing is just too hard

inflation scare causing fear of fed tightening

Lol the answer to these types of questions in this thread will be the same as it has always been. In it for the long term, just stay calm and keep buying in regularly.

It's boring but sound advice. 

market fluctuations are always random, today its inflation, market go down. Tomorrow no inflation market going up. Later reflation, or Treasury auction getting high.

Some other weird stuff like witching day.

In the end market still goes up over time. I have not yet seen a strong enough sell all signal if that's what you are looking for.

The thing with equities is that how and when it goes up and down is half guesswork, half luck. 

Recent example for example, no one could have predicted that pandemic happen worldwide and cause market to crash, and similarly no one could have predicted that so fast after the pandemic there was a big bull run in market especially in Chinese tech stocks.  :confused:  Similarly no one expected China to suddenly so swiftly clamp down on market enough to push those same stocks down. 

What IS constant is that in the very long run, things eventually go up. At least for the past few decades la So key is to stay invested and don't put all your eggs in one basket, haha

So far nothing indicates that the ETFs in SAMY are going to fail badly la, if that's the assurance you need.

How long do you want to put in simple?
How much do you want to put in simple?
What is the rate variance between simple n the "better" others?

If only 10k, if only for a month, if the variance is only 0.25%pa.....it is just abt rm2 variance a month....
Not sure abt others, but for me... I don't care much abt this rm2 a month, as long as it suit my shiok, simple, ease n quick of use

I guess same with me, i sort of needed money to pay my share.. Processing from 12th May until now. Market dropped so much in between then and now.
Still in processing and not sold yet.

That the down side of Simple. Process depends on stashaway and East spring. So, u just need b passion 😂.
Ppl stick with this simple oledi know b4, they r slow than usual.
At least 3 days (last time I withdraw), if holiday...... 😁

So, i stick with others.

Simple withdrawal is 3 to 5 business days, dependant on the processing time of Eastspring Investments and StashAway both, and then after that GIRO processing time. With weekends and public holidays it can take a calendar week or longer, if you/Eastspring/StashAway transact after cutoff time(s) for respective services.

Future users should be aware of the withdrawal time for Simple before deciding whether Simple is appropriate for their needs and goals.

Thx bro. So you also feel it's better to put it in now rather than to try and time the market and put it in at a low point?

The other amount of money hasn't arrived yet, but I'd probably put it in tranches like you mentioned.