How would StashAway compare with investing in ETFs directly via a broker?

Just thinking out loud:

StashAway charges 0.8% annual fee (for first RM50,000) while some ETFs (VTI, VOO) have low expense ratio in the region of 0.04%.

StashAway annual fee seems to absorb all transaction charges while independent investment will be subject to brokerage fee, etc.

Flexibility in terms of choice of ETFs, of course you can't choose what you hold in StashAway.

Prior work needed, more due diligence would be required for independent investments.

If you have direct access to ETFs in USA via a brokerage, would you still go with StashAway?

And when that 100k turned into 70k you won't panic sell?

https://finance.yahoo.com/news/teslas-1-5b-...-073527943.html I am also very skeptical of Tesla, especially after its investment in Bitcoin.

What will be your reasoning that Tesla is a bubble?

I am not even sure how was it a good thing. Tesla is EV company, doesn't have any relation with crypto.

It was like telling Maybank (or any bank), TNB, Top Gloves, or even EPF buy crypto is a good thing.

Anyone park cash into into SA Simple? the advertised returns of 2.4% p.a are better than most FD available.

Cool, if you don't mind me asking, why weekly instead of monthly? Is there a strategy behind it?

How do you set auto DCA weekly? I don't see that option. It's either twice a month or monthly.

Even with commission free trades which are common nowadays, it is hard to replicate the StashAway portfolio when the capital is low, because most brokers do not offer free fractional share Trades.

In other words agree with you wholly.

I’d go as far as saying I’m willingly agree to being charged 1% per annum for small trades, fractional shares, from MYR.

How much principal per year I will let them charge is another matter...I’m now at 5 digits, I don’t think it will cross to 6 digits anytime soon.

That is wrong concept, the idea is about Now, right now it is already at loss. That loss is a new starting point

To make it easy for people to underrstand, someone start with 100.

After investing with port A for 6 months,
He loss 5% and now have 95 in that port

If he sell now and switch to port B with higher upside(consequently downside as well) he might gain 10% in the next 1 year
95 X 1.1 = 104.5

If he maintain with conservative portfolio, he might gain back his loss and then some after 1 year but due to less equity allocation in an uptrending market, let say 6 %
95 X 1.06 = 100.7

This is a normal idea in stock market, sometime you just have to accept your loss and move forward. The idea is the damage is already done and loss is already there whether you realised it or not,the point now is about the future.

Unless you think that it is going to a bear market soon and your conservative portfolio would have a lower downside compared to equity heavy port.

Berkshire StashAway. does have a nice ring to it

Interesting.. so based on the graph, people invested around Jan 08-ish will have negative profit in Jan 12-ish .. 4 years, that's a big heart attack at first, then only they will gain profit, haha
Nice sharing btw, thanks!

Just for your reference, my route for DIY cost about ~RM25~RM35 max per entry, I'll likely able to deposit maximum twice a year given my current financials, so RM50-RM70 a year. Rebalancing cheap because I am going for a simple 2 fund portfolio, and I try to rebalance by depositing without selling. Time wise, research and setting up is maybe 2 days, then I suspect its likely less than half a day a year to keep it running?

That means at RM5000-7000 under Stashaway's management, I hit the breakeven point for annual cost. Any extra money I invest into SA from there onwards cost me more than DIY route. Hence why I really hope SA can bring fees down as soon as possible.

Correction welcomed if my maths are wrong!

Who cares about SC when they are only 4th tier regulator 

I'll get reprimanded for asking this, but I browsed information on recurring deposit and the posts here mentioned about monthly settings, which I can also see from SA app. How do you guys do it for weekly? Or some people even do it daily. I'm not familiar with Jompay, which I've seen been mentioned some times here, if that's the solution, I appreciate your patience in explaining to me. Thanks.

Hey guys for emergency fund you guys suggest to put in simple or 12% or lower risk profile? if there is no emergency i don't think gonna use it although currently just 3 months salary not much though

Lets say I really hand itchy and I start doing 1k DCA monthly with this route. ( 2.5% fee),
RM12k investment, annual fees is RM300?

If u can deposit 4k and above per month, then diy is viable?

4k because 1 share of GLD is USD 162, it is 20% of portfolio, so to buy 1 share, total amount = 162 x 100/20 x 4.1 (usd/myr) = RM3240 roughly

Robo FSM and put more into SA?