If you tap on the place where its displaying TWR, it'll switch over to MWR, and if MWR is deemed meaningless/inaccurate, it'll display simple return instead, is that what you want?

Worse come to worse, you can always just do Current Value/Total Deposit-1 I guess?

This post has been edited by Hoshiyuu: Mar 19 2021, 09:05 PM

Well, if we are lucky, and Stashaway (as a platform) grows to a point where they can afford current US-robo level of fees, the incentive to go DIY will lower.

^^ if SA offered 0.3% flat management fee (not accounting for ETF fee & forex fee), I would happily ditch all idea of DIY and all in SA.

I wouldn't say so, since their fees are tiered, so your first 50k will always be 0.8% -

At RM50,000 invested, your annual fees are (50000*0.8%) = RM400
At RM100,000 invested, your annual fees are (50000*0.8%)+(50000*0.7%) = RM750
At RM250,000 invested, your annual fees are (50000*0.8%)+(50000*0.7%)+(150000*0.6%) = RM1650

Being a pessimist, I don't see myself having more than RM2mil by 50y/o in SA even if I went all in - that means at least half of my investment is >0.3% fee, with a quarter of it >=0.5% fees

haha, i am risk averse and strongly believe in money is actively trying to escape me (I swear if I bought in VOO now it'd drop by 30% and not recover for the next X years until the day before I sell to cut my losses)
so a big part of me can't help but to be bound the idea that "returns are not guaranteed, annual fees are eternal"

but leegx and ya'll is slowly changing my mindset


Of course, if your total asset is well over RM10mil, then fees are truly <0.3%, but at that point, the true fees (0.22/0.07 VS 0.5X+) would have a meaningful difference too...

This post has been edited by Hoshiyuu: Mar 22 2021, 12:55 PM

MyTheo seriously disappointing, highest fee but mediocre as all hell D:

Yeap... was planning to do full withdrawal on both now that I've understood all 3 robo and DIY better. Originally I wanted to monitor all 3 for a year first.

One of our grandpa here have stayed with SAMY since its launch and have DCA'd consistently as a shining example to everyone of how to be in Stashaway properly.

This post has been edited by Hoshiyuu: Mar 23 2021, 10:33 AM

IMO "diversifying" in Stashaway for the sake of "diversification" is a little pointless.

I'd recommend this rule of thumb, not sure if other sifu agree:

Core Portfolio: This is likely the only one you need for long term investing (5yr+ to end of life?) -
22% if you want a good balance of risk to reward Debunking high risk, high return
36% if you want theoretically highest possible return but a bumpier ride, or more "discounts" opportunities. (Read: gut-wrenching drops that will make you question your risk tolerance)

Then, you can complement it with a short term portfolio if you need - as they suggest, planning for a marriage, house, big purchase - goals that have a deadline within 3-5 years and you'd like to not delay too much when you need the money.

These usually comes in the form of a portfolio of 6.5%~12% depending on your risk appetite - "how much you are willing to lose for chance of a bonus when the goal date is met"

and finally, you may park some cash in Stashaway Simple - cash that you don't mind needing 3 working days to withdraw, but also good enough to beat inflation at little to no risk to them.

if someone walked up to me and offered me 20% p.a., it's already hitting my "this feels like a get rich scheme, be very careful" alarms personally hahaha

but of course, nobody wants to get rich slowly.

This post has been edited by Hoshiyuu: Mar 23 2021, 11:18 AM

One thing I really like about Stashaway is how easy it is to set up fully automatic deposit.

Perhaps this logic is not for everyone, but I like to think of it this way:

If you practice "pay yourself first" - and you set an automated deposit monthly into a low risk SA account (Simple~12%) and don't look at it until next year...

Even if you were the unluckiest person on earth, the moment you start investing you lose 12% p.a. instantly -
At the end of the year, you still saved money. That sum would likely be far higher than what you would have actually saved, compared to "voluntarily manually putting money aside as saving" - unless you were a really disciplined person to begin with, if that make sense?

And despite all that - its likely that said worst case scenario wont happen, and if you waited long enough, with SA's investment style, you will always come to a point where its profitable, or at least breakeven.*

(The same can be said for automatically depositing money into another saving account, but that wont beat inflation with a chance for profit now, won't it? )


Edit: I think I basically just described EPF except not locked to 55.

This post has been edited by Hoshiyuu: Mar 23 2021, 11:49 AM

Funny you said that, I tried to put RM500 in Stashaway, MyTheo, Wahed, Akru in one go - Akru failed to even accept my deposit after a few back and forth with customer support, and I am making a full withdrawal on Wahed and MyTheo today and sending out email to close them fully...

But my decision is fully based on return - so you may want to try them for your own reason anyway.

This post has been edited by Hoshiyuu: Mar 23 2021, 12:51 PM

My account after register can't update personal information from phone or web, so can't proceed with funding, they say I'll have to wait until they resolve the issue internally and that was February 11th until now.

Their offering seems pretty good and people who have gotten through seems to enjoy okay returns, pity with my experience I can't see myself putting a single cent into them at all. I don't like to say it, but their service and capabilities smells too "Malaysian".

Any time is a good time to invest into SA.
Pick a risk portfolio, pick a deposit interval, pick a comfortable amount that barring exceptional consequence, you can always meet this target, set up a standing instruction/auto recurring deposit for that, walk away and check back in a year, decide if you want to continue.

Don't time the market, don't worry that you are buying into ATH, or you are not putting enough money to capture the low - set and forget, let it do it's thing.

The required due diligence is to verify that you can trust SA enough to do all of the above, and not waiver for at least the next year.

This post has been edited by Hoshiyuu: Mar 24 2021, 11:49 AM

ATH = All Time High, so one would be worried that they will lose out on gains from lets say, buying in exactly at February's peak and see nothing but red for months, and failing to zoom out and see the bigger picture, understanding that if they keep depositing regularly, they will average down and be ready for the next all time high.

For value at risk concerns, https://www.stashaway.my/r/debunking-high-risk-high-return is a good read, and https://www.stashaway.my/r/our-returns-2020 and give you a good idea of their return and you can even do your own Risk:Reward ratio for SA portfolios

For "how safe is my money in Stashaway", you can read about trustees and how your money is managed from the discussion here:
https://forum.lowyat.net/index.php?showtopi...#entry100221042

As for projected returns, nobody can truly predict the future. I'm personally banking on a 10% p.a. return - I don't expect a 20-30% return that many would see had they went into SA after 2020's March. But in general, Stashaway have shown traits of very good resilience.

For fees consideration, you may see discussion around these posts where I compared it to DIY on a 2-fund index, as well as explaining the tiered pricing structure that is less intuitive:
https://forum.lowyat.net/index.php?showtopi...ost&p=100318890

Feel free to ask if there is any other concerns: Make sure you REALLY, REALLY believe the platform before going it. Treat it like a stock you'd hold, don't buy if you don't think you can stay in for 3+ years.

If all else fail - just give it a trial run and watch it for a few months. worse case scenario, you lost some money, but you still managed to save some money that you might not have otherwise:
https://forum.lowyat.net/index.php?showtopi...ost&p=100384100

And if you know you wanted this but just wanted a big number to justify your investment NOW, here's a nice picture:



edit: okay it's kinda worrying that I've lurked enough that I can quote my own post for FAQ now

This post has been edited by Hoshiyuu: Mar 24 2021, 10:55 AM

That's a sick portfolio name. I didn't know they allowed emoji.

Haha, we have a few uncles here... there's someone going around with a queue of people trying to call him papa *cough*

If I am really honest? Regulated means next to nothing to me when the regulator is SC. I trust my money on some US broker more than SA if its purely on regulator quality. Its just that since SA cannot touch my money and stock directly https://forum.lowyat.net/index.php?showtopi...#entry100221042, I foresee the worse case scenario is just having to liquidate at a terrible time and the liquidation might drag into months.

Few things are guaranteed except death and taxes, diversify your investment, diversify your platform.

In my personal case, I'm betting that ASNB & EPF is gonna blow up before Stashaway do.

This post has been edited by Hoshiyuu: Mar 24 2021, 12:32 PM

Stashaway choose for you the underlying investment/assets, but you will need to choose a risk appetite - I find that Stashaway suggested risk portfolio is often too conservative, but then again, my personal information is far from financially sound, perhaps that's why.

The only thing you need to choose is which Risk portfolio you want (6.5~36%), and then your own decision on how much and how often you need to deposit.

Haha, I mean Stashaway is recommending me to go no higher than 12% - that is too conservative for me. I am currently on a 36% portfolio and I consider it my primary portfolio (second most offensive tho, I have some money in Tradeplus New China Tracker...)

This post has been edited by Hoshiyuu: Mar 24 2021, 01:41 PM

That's probably it, I reported an absolutely abysmal saving rate (by filing in a very high monthly expense) and a loan to Stashaway when doing financial assessment - I am pretty sure I was telling them "so yeah I save about RM100 per month" or something LOL

But most users likely don't have access to 26%+ by default from what I can tell. Which while its a great balance and had historically great reward to risk ratio, IMO is not aggressive (read:exciting) enough for your typical fella between 20-40s.

This post has been edited by Hoshiyuu: Mar 24 2021, 01:58 PM

I know! Damn exciting... so sad I fully out of bullet this month...

KWEB is KraneShares CSI China Internet ETF, which is listed on NYSE and other places, it can be bought directly to overweight it in your portfolio via a broker that have access to NYSE.


This post has been edited by Hoshiyuu: Mar 25 2021, 12:29 AM