Easily in real monetary value RM devalue 30% this past year and with the current trend soon RM4.28 on average for this year and SGD to 3.10 before borders open

GLD it is good for preservation which is why a lot are questioning Freddy and they still don’t understand why it is 20% which it is good they lower it to 15%

Nope.

Usually there's two updates to the portfolio.

First one is the forex change - usually noon/ after lunch

Second one is the actual change from the previous night's trading - usually between after lunch till night time.

Agreed.. this two years very the bull I'm thinking annualised maybe ~12% over 5+ years period.

JomPay really fastest 🤣🤣🤣

i'm a MY, SG & US listed REITs holder too thus, i assume U are into MY REITs for cash flow via dividends.

Assuming your MY REITs is for cash flow via dividends AND U have NO other substantial investments other than the MY REITs:
a. better asset allocation - across countries and sectors, not just REITs and not just MY
b. your cash flow will take a hit & volatility in cash flow income too

Assuming your MY REITs is for cash flow via dividends AND U HAVE other substantial investments other than the MY REITs - ie. U have a good asset allocation:
a. meh - why bother too much UNLESS U want to go into auto-pilot OR worried about your own mental abilities
eg.
i'll go whole hog into StashAway and such when i know i'm getting nyanyuk/incapable of managing my asset allocations hands-on.
even then - most probably i'll still be in StashAway's 36% risk as i've EPF as the counter-balance asset - ya, like most Malaysians, a lot of % in EPF ma.

just a thought ya, no absolute right/wrong 

too short to see anything. if you had invested 2-3 years early, you'd probably think SAMY is a scam.

largely would seen a negative for quite an extended period during that time.

search this thread, the early adopters were in that category and is now having easily 64% in gain, if my memory serves me right.

if you invested since MCO last year, you will surely be making some positive by now.

i think they had "curse" and left ...curse at that time....
but if they stayed on....things would be not so bad already

just like those that got GOLD in Nov 2011 would have cursed for 8 yrs till 2019.....then exited....
if they had continued to stay...then different story

I have invested in SAMY since 2018, and it is my 2nd best performing  financial vehicle in my portfolio. I am one of the early adopters. My personal xirr  for samy is slightly above 20%.

7 to 8% with lower risk than stashaway? Do tell.

Gold while it does recently give a reasonable return does not have a great risk vs return, right? Sharpe ratio of 0.65 over 3 yrs.

In any case I'm well aware of the returns from stashaway. I've invested since 2019. But again to expect something above 10% over 20 years....thats something....

If you cherry pick time frames, stashaway underperforms every conceivable asset class.

You pick just 2018, stashaway performed worse than your money sitting in bank.

Stashaway however manages risk well in uncertain futures. If you have an asset class you think can beat stashaway, you should put more monies toward there.

Good discussion.

beating is one thing, many things beat gold too. Many things also beat stashaway, or S&P500.

Example Tesla, Amazon, bitcoin, rubber gloves. The metric one should remember is risk, or standard deviation. Tesla has a standard deviation that is 5 times of S&P 500. If you put so much value at risk, it means getting your high returns are barely justified.

Just by having it in the portfolio probably will NOT beat it....

what RI% you are holding?
a forummer in another thread mentioned his SA 36% SRI has a MoM of +1.55%

You saying we gonna have a downturn soon? 

Time to buy more assets at a discount, secure our retirement!

What is VCA man. You gonna reduce deposits if stashaway keeps going up?

DCA for diversified portfolio like stashaway, then if got your own tilts, buy on moomoo or tiger.