Wah last time they never asked for salary + tax return.

Good luck man, I had -23% in 2018 on risk 36%

I think this round also quite steep. Peak to bottom if not mistaken 26% but now recovered a bit.

with the benefit of hindsight, anyone who had been doing DCA over the past few months or past few years would be in a LOSS position now.

let me give example of doing the opposite of DCA

1. i had been saving money in FD since 2019. guarantee 4% per annum. zero risk

2. i deposit 10k in stashaway on 18 march

3. i exit on 1 April. REALIZED quick n easy profit 6%.


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I am not sure about portfolio risk 22% but maybe 22% risk profile don't have IVV.

for 36% risk profile does has IVV [iShares Core S&P 500 ETF] which is variant of SPY S&P500.

Try check under international equities, then click on the United States


you can learn more here on the EPF selection of SA
StashAway's Fund Selection

my concern is low AUM then it will faced the same problem with smartly which is closed shop

i just started today with risk 36 appetite. all the best.

I just joined back to few days ago. Hope it’s great time now since it’s very low for the moment!

u r right
That why AUM figure is important here.
If they r running on low AUM, I doubt they can survive long run.

If SA closed down, its shouldn't be problem in getting back the money
But I need u to think about what if SA portfolio is liquidate in a bad economy shape which mean our portfolio is in red?
I suggest u take a look at SG Smartly case, they closed down during this time which mean those investor portfolio in red will not be able to recover their loss.

Mind u SG Smartly is backup by vietnam deep pocket group VinaCap
https://e27.co/vietnams-vinacapital-acquire...artly-20190717/
https://e27.co/company/vinacapital/

Even with the backer of VinaCap, smartly also faced the consequent of closed shop.

Thing to think at, who is behind SA? Does their backer have the necessary resources to keep SA a float?

afaik, for smartly case, those investor are being absorbed by other company, including SA. not liquidate afaik.

ya. true enough. low AUM = low earning thru management fee

Given their past positions, it's likely they have 7 figures saved up somewhere ady, usually startup founders do not draw much salaries, if any, from early stage startups unless it makes certain revenue.

You only worry when people stop talking about SA on forums and in telegram channels, I have plenty of friends investing regularly with SAMY now.

If they really close shop, they likely won't take your money and cabut, I have faith in Singapore rule of law.

what happened to wahed? previously i wanted to invest and so many members pm me and give me their referral code even i didnt ask for one (just speak of the possibility of joining), i wonder why.

i thought it performed better than SAMY?

So what is the conclusion?
Safe?

Haha for those who are paranoid about this and that, and about SA closing shop, like mentioned above, no single investment vehicle is risk free. If you want totally risk free, then just keep your money under your pillow..
😂

I made a deposit via JomPay on last Thursday morning.
The deposit just converted to USD this morning.

My uncle keep his hard earn money under bed, pure cash, n few hundreds thousands.

At least 20% ate by ants and bank dont wan exchange due to number dah incomplete.

please share with us after get the answer