Recommend u just start another portfolio and diversify a bit. If there is a good guarantee one is higher than the other, wouldn't everyone just go straight to it.

The reason one portfolio is higher percentage risk than another is simply it has higher chance of going up, AND down....

Stashaway is not active management. So, it tries to stick to a portfolio allocation formula. So when you invest more fresh cash, it will not buy those funds in the formula that is too high, and buy funds that are underperforming instead.

If you pay only 1% in management fee you can expect almost zero active trading.

If you want active trading then you can buy Unit trust funds that do it, but they will charge you at least 2% and above, and at the same time, you can expect the managers will also rarely do a lot of buying and selling.

In all you truly make money when you yourself sell your holdings after they appreciate.

There is a combo DCA + Timing + VCA aka chaos which sometimes result wonderfully.

Edit- also, to others - always remember that Stashaway attempts to rebalance any incoming fresh funds.

This post has been edited by lee82gx: Oct 2 2020, 09:48 AM

the whole purpose of a portfolio is to have some negatively correlated investments. My advise is just hang tight and ride the bull and hug the bear.

so much gold is being purchased now....the adherence to the portfolio formula is so strict lol..

Anyway for those of you dissing on GLD, remember that at some point in the past, it was the ONLY thing holding up the whole portfolio green. EDIT - At that time there was those folks who comment why not buy more GLD!

So, cheers and hang tight. Stick to the plan...haha.

This post has been edited by lee82gx: Nov 18 2020, 11:47 AM

like it or not, you can't avoid that technology will replace human labour eventually. Just like online platforms replaced remisiers (I remember a time when they were bathing in money, just like Wolf of wall street) and now their jobs are a lot different and less lucrative now.

Its gonna happen whether they like it or not....Those who don't adapt will unfortunately go extinct. (figuratively of course).

Heck everyday in my job we are thinking how to replace ourselves and do the next thing.

even if we are out of the woods, I would advocate to keep some gold....

paper la....if it comes to the stage needing physical gold, you might as well invest in toilet paper, wheat flour etc.

you are not unlucky, at this point in time everyone would be having same as you. Later in time we will see. As long as profitting I dont think there is a reason to change formula.

One thing I learn the painful way is not to kill your golden goose.

yes, finally sifu you come in!

I also realized their MWR,TWR whatever RRR not equal to your / Excel / my XIRR which is easily detailed out and TVM proper.

I've given it some brain juice, and my guess right now, without completely dissecting every single transaction the porfolio has done, is that the returns in Stashaway breaks down all of your individual purchases every time, so for example if one of the deposits bought you 0.2unit of XLV, another 0.1 of AAXJ at XYZ price etc, how does it work out in the current tally.

Stashaway's own explanation on the returns makes no sense to me without an example calculation..lol.

But XIRR still makes more sense to me, since it is the equivalent of cash flow into a fixed return, annualized.

If you guys think statshaway not performing, seriously you can go direct to buy shares.

For those who have more than 1 year you'd be pretty happy right now. I know I am.

You guys need to know what is irr and time value of money before saying this give poor return or that give good returns.

If you just invested, remember that this really requires significant amount of time. We are like chronicling the growth of a tree from a mustard seed.

Time in the right market > timing the right market

I have some investments since 2006 based on Malaysia market and they look like ikan masin compared to when I finally realized what it means to invest globally since 2010 or so.

For me it's best to dca whenever salary comes in. Weekly dca just leaves me with too much to spend. There is always a risk that a week here or there will be lost to some "expenses" which would have been put off or put out completely if I lacked the spare cash.

I have been investing for years and I don't recall a time when I wished I entered a certain dca amount during a particular week that would've made me richer today.

Regarding regions or markets, I think that I may have overly simplified my saying. Its wrong to just think any apac fund or any us fund or any china fund is the same as the next. Logically. But when you dive a bit deeper to their break down, strategy, who's managing and their track record, you will find gems among rocks.

Stashaway is so far a gem, and if you think you have more cash to spare, go direct to etf or share market....lah.

we also bitched back when Stashaway had the corrupted code that suck our bank accounts dry in a few hours.....that was interesting times.

relax,

This is a long run. No, "Time the market" extremely useful if you think all you want to do is make 5, 10 or 20% and then cabut. But it is not repeatable. Even 1 year is too short, lah!
The advise is to invest more than 3 years. But, yeah it is ok to monitor regularly and make corrections. Heck, I check my stashaway every day once or twice. Not that it changes my strategy or anything. Its just so convenient.

My returns have also been eroded due to USD drop and minor corrections in the "Street". None of this changes anything, because :
1. Do you see a better thing out there?
2. Do I need to use the money?

So those 2 are my criterias for exiting.

BTW, if you really do see a better option out there kindly inform us!

Me too....actually I was collecting my bullets and finding my balls (it shrunk and dropped to the floor) and entered a week off from lowest.

But the strict adherence to the formula means it is always trying to balance the purchases...

Step 1 make a will.

Step 2 (optional) specifically list out assets / holdings / etc under stashaway sdn bhd (ac# &$&@&@*$) to be given to whomsoever under whatever division or fraction.

If step 2 is missed then it will be counted as all other residual estate and given to who you assign.

Never invest in what you don't know or understand.
Don't put all your eggs in a basket.
Stay invested.
(Don't get too greedy).
Invest as much as you can as soon as you can as long as you can.