can transfer the money from simple to normal stashway in the app?

can

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2.4% is Simple projected, can be higher or lower.

Eastpring give 3.x% less net expense ratio less next OPR cut (maybe), then it will be +/- 2.4%

Ahh you are right. The amount in Simple is not updated daily though. Seems like every other 2-3 days.

Simple will update when Eastpring NAV change. Since NAV change within 2-3 days, then Simple just mirror it.

https://www.thestar.com.my/business/busines...ndemic-persists

simple will lower the rate?

Simple put money into Eastspring Investments Islamic Income Fund
see some past historical relationship trend of Eastspring Investments Islamic Income Fund with OPR rate.

so now what do you think?
simple will lower the rate?
(by how much margin that can be a concern to you?)


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anyone invest in Risk Index 6.5%? mind to share how is the performance so far?

not much movement, very safe. thinking to up the risk index

How our portfolios have performed since our launch in July 2017.
https://www.stashaway.my/how-we-invest

I prefer invest in OPUS income fund or money market myself.
I allocation for SAMY is risk 10%, 20%, 30% n 36%.
Risk 10% is for me to accumulate my emergency fund. 😁

What about 20% 30% 36%
What are those portfolios for

My emergencu is in 12 and savings in 22

Risk 20% expect to invest 5 year no matter up or down, after 5 year baru decide whether go to DIY UT or anything else

Risk 30% n 36% for my retirement planning, just weekly invest, open 2 bcoz wanna comparing both risk 😁.

My main is risk 10%, try to accumulate emergency fund with a few year, this few year baru learn financial planning, late a bit. 😢

They are not transparent. Like to hide. Only show performance which is look good

Why dont they show monthly performance like how their competitor is doing
https://www.mytheo.my/mytheo/blog-app/62-pe...review-may-2020

cc Michele Ferrario Freddy Lim Nino Ulsamer Francis Rozario Raj Dugar Sim Hwee Hoon Annie Koh Pranay Gupta Shahazwan (Juan) Harris Massimo Massa

If you are able to utilise ASB ~5% annualised returns (if youre Bumiputera), would you dump your savings in ASB or still go for SAMY 22% for savings?

Contemplating whether to withdraw all my ASB and invest in my 22% portfolio.

By the way just a fun update as of 4th July 2020 - 5 months (Start investing 19th Feb 2020 - DCA)

Portfolio risk 22%

MWR profit 8.7%

USD

MWR +16.06%
TWR -3.61%

MYR

MWR +15.06%
TWR -1.01%

This post has been edited by stormseeker92: Jul 4 2020, 03:56 PM

If you are bumi and have access to ASB , I really don't recommend to put emergency fund in stashaway. Unless you set aside a portion for emergency fund in ASB, the balance then could be invested. The emergency fund is up to individual, but for me it has always been at least 2 years of comittment and expenses. Any additional fund on top this will be invested somewhere else.

Reasoning is if you deposit let say 200k in ASB, you will still be able to withdraw at least 200k in the foreseeable future if needed.

Good point. My plan is to have 6 months emergency savings in ASB. and full swing on SAMY at least until SP500 reaches pre covid level. After that, its 50/50 ASB and SAMY.

Income distribution for Eastspring Investments Islamic Income Fund:

Gross Income Distribution Rate (per unit)	Ex Date
MYR 0.0013 per unit	Jul 6, 2020

This post has been edited by GrumpyNooby: Jul 4 2020, 04:44 PM

DCA RM600 a month since August 2019
MYR
TWR 4.23%
MWR 6.91%

USD
TWR 1.82%
MWR 2.97%