Guys we are here to make money not enemy. Relax everyone.
BTW where is this button to stop the re-balancing? I have the 36% risk and not see it anywhere.

Good!! Hope more improvement.
And they need a proper desktop version IMO.

Haha. Yea. Chill only.

The button is under your account setting. Below the promo code there. See whether if it's there.

I notice the David83 is coming off very strong and kena step in dy.

There is "rebalancing" and "reoptimization".

Rebalancing seeks to reduce asset allocation % error between current % and target %. It happens when:
1. You deposit and withdraw.
2. When the winner and loser are too far apart and no deposit/withdraw takes place.

See: StashAway FAQ - rebalancing

Reoptimization happens when economic cycle change yada yada, see: StashAway FAQ - What is reoptimization.

AFAIK reoptimization hasn't happened yet, and it's opt in. I guess when ERAA senses shit is about to happen, they will ask you before they modify your portfolio and asset allocation whether you want it to happen or not.

But rebalancing will always happen, I don't think you can tell StashAway not to sell winners and buy losers. If rebalancing doesn't take place don't bother with asset allocation already.

Edit: accidental submit.

Edit 2: I enabled auto reoptimization, and it shoved GLD into my portfolio last time. But I dunno if that could have been prevented.

This post has been edited by honsiong: Apr 17 2019, 10:48 PM

Ahhh. Looks like I confused betweens rebalancing and re optimized.

Rebalancing is on % holding.

Reoptimize is coupled with ERAA and will eventually turn down your risk index that will effect the holding. Am I correct?

Thanks and thanks. If it was up to me I’ll ask David83 to come in again, hope you all don’t keep the hard feelings. The internet can be better place if we try harder.

Double post

This post has been edited by lee82gx: Apr 17 2019, 10:57 PM

I think reoptimization does not turn down your risk index, after all, YOU set the risk index, but you pay StashAway fee for their investment team's expertise.

But maybe it asks if you want a lifeboat out, and if you don't, you will drop % but still within their stated value at risk. Even if you choose to get portfolio reoptimized, there is no guarantee you will outperform than without.

My guess lah.

Hi readers, can pm me the referral code?

Hmm. Yea hor...

I need a life. Why am I explaining rebalancing & reoptimization over and over.

Hahaha too bad lowyat forum dont have function to highlight post and make it FAQ

All these questions have been answered by Stashaway, just read their faq, its all there

The latest update shows the total deposit and withdrawal amount.

Also the projection seems to be different? Not sure about that
But the value is almost two times compare to the previous one

now u can transfer funds between portfolio which i believe wasnt possible before

Can someone just give us the tl;dr?

Rebalancing/optimization good or bad?

Read my reply, thats pretty close to tldr.

You cannot disable rebalancing and should not disable reoptimization.

is the Rm 1 promo at boost still available ? i cant seem to find it.

i managed to find it already.

Dumb question

Is the total return = dividend? Or just profit? Coz FAQ says dividend reinvestment will be shown in transaction.

Joined shortly longer than a month only. Total return 3% now.

Yes