Hi, I'm new to SA (and investment in general). Thought of kick starting with SA and some individual stocks in the US. Would like to get some some advice and have some very noob questions : l

If my target return by end 2021 is let's say 10%, does it make sense to split into 2 portfolios:
- 60% fund to 16% risk
- 40% fund to 30% risk
(will try to double up the sum if the market drops in specific months, and am keeping these 'rescue funds' in SA simple for easy transfer.)

And should I do it as a lumpsum, or monthly recurring deposit (is the interest compounded on monthly basis on SA)? How do I calculate the difference between projected returns for lumpsum vs compounded monthly?

Thanks!

Hi sorry I am new here. So for this, i will only know the actual returns and i pull everything out from SA? My apologies for newbie questions.

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?

Hi, I am new to StashAway because I’m starting to think about personal finance planning. Would anyone open to share how much (%) of your salary you save in fd/bank and how much (%) of your salary you put into StashAway...

Thanks a lot!

Starts with Ark? lol
Meanwhile this is one of my 3 portfolios. I think its doing ok

just curious, why after i made a full withdrawal from Simple, my total net deposit = total current portfolio - Simple earning?
for example:
my Simple net deposit before withdrawal = RM10,000
Simple earning so far = RM 100
36% portfolio = RM 1000
20% portfolio = RM 2000
Total net deposit = RM 13,000

After Simple withdrawal (RM 10,100)
Simple net deposit became -RM 100
Total net deposit = RM 2,900

wait, you saying the earning from Simple (RM100) is actually a negative earning? 

ah, after calculating the total value and total returns after fees, then it became correct. Thanks!

GLD is dropping like it's hot

Gold is safe haven when stocks drop like flies.

So when ppl sell stocks they move their money to commodities like gold - stocks down, gold up

Now stocks going up, ppl selling gold to move back to stocks. - stocks up, gold down

Please correct me if I am wrong

16% risk portfolio since September 2020 (will be withdrawing this after two years so I'm not using higher risk)

Not bad performance for MYR. Pity because of strengthening MYR, my actual profit is low if in USD it's been only +ve growth since November 2020

The level of effort some fellow SAMY investors going just to squeeze tad bit more "profit" (and maybe losing along the way).... 😂

I believe they would be better off trading direct.

I started 36% portfolio in Sep20 after withdrawing my 22% from Mar20.

Now my net unrealised profit is 10.5% which is not bad

Hi Grummpy,

I wanted to check in and make sure you know about one of the ways you can unlock free investing with StashAway.

Did you know that for each friend you refer, you and your friend get up to RM30,000 managed for free for 6 months? And, you can refer as many friends as you want. One of our customers has even referred StashAway to 255 friends!
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Interesting.

Stash away is literally working close to 24/7 based on my experience.

SA simple will buy the etf on Monday.

SA will buy USA etf etc on Saturday too.

Sunday is basically off and Public Holidays too.

are you sure bro?

US market is confirmed close on Saturday and sunday. WHat is the price they buy on Saturday?

Yea, for some reason as SA traded on US Etfs. I assume they are working in US time zone only lol 😆

Good to clear up some misconception I suppose

im gonna put all my EPF 10K into SA.

i think it grows faster than ARK ETF.

KWEB is on another steroid run

better not say, coz tesla fanboys will get angry.

tesla dont have fundamentals. its stock price now is merely based on speculation and hype.

i think elon musk buying btc is just a publicity stunt to divert people from tesla's balance sheet problem.

I have 22% and 36% since last year and just started to add 3k in 30%. 2 months ago.

This morning value reduced about 5% compared to yesterday. At 2pm it increased and updated as usual but still in negative zone. If coompare with yesterday currency rate i think fluctuation less than 1% right?

bitcoin is not an asset. fullstop.

Tesla become hedge fund now.
Hedging currency risk and use hedge to grow value is different.

Was wondering what are the FX rates for SA. I withdraw 5k on Sun and after conversion to MYR, lost about 2.5% just due to FX. This would significantly impact the returns if the FX rate to deposit and withdraw is 2.5% + 2.5% = 5%.

That would mean for every RM100 you invest, RM5 will just be lost for currency exchange.

why suddenly my porfolio sold my KWEB etf?? is this auto rebalance program algorithm by taking out 50% of profit here and buy other cheaper asset?

in progress selling 49.67 usd kweb etf from 108.60 usd profit? from that stock. need to check what etf next will buy..

anyone else kena?