YES, if you compared Simple with FD directly....
for according to their FAQs

Is StashAway Simple™ risky?
This is an investment, so there is a level of risk, but it’s incredibly low.
The StashAway Risk Index for StashAway Simple™ is 1.8%.
That means you have a 99% chance of not losing more than 1.8% of your AUM in a given year

StashAway Simple™ is as risky as investing in a fixed deposit issued by licensed financial institutions.
The underlying fund in StashAway Simple™, Eastspring Investments Islamic Income Fund, invests in Islamic money market instruments (fixed deposits) issued by financial institutions or their parent companies with a minimum credit rating of A3 or P1 by RAM Rating Services Berhad.
Hence, the risk is the credit worthiness of the institutions such as AmBank Islamic Berhad, Public Islamic Bank Berhad and Maybank Islamic Berhad which were the top 3 holdings as of March 2020.
https://www.stashaway.my/simple

i kay poh abit here...
i would not judge it as wise or not,
i would just say, if the money you put in is small and if the money put in is not going to be used within this 5 years, then you can try it out.

from sui jau's blog...
"...use a small amount. Something you are comfortable with even if you suffer losses.
It can be as little as one thousand dollars because that is usually all you need to start investing into a higher risk investment.
Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash.
The key thing is you have to accumulate investing experience.
No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest. You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times.
And learning from mistakes made is the greatest teacher."

if i feel,....then i do A
if i know,...then i don't do B, for taking profit will still have my capital that are still invested be subjected to the impact of crash......i will instead take out all .....

what would you do?

This post has been edited by yklooi: Aug 30 2020, 12:37 PM

what if you had just entered all the 3 portfolios just before the drops in Mar or during just before the recent minor corrections?
imagine IF there is no gain yet (profit is 0%).
which one would have dropped more?
the 10% or the 36% one?

in general theory understanding the 10% would gain lesser than the 36% in good period where all the various asset classes increased at the same time amid different rate.
depending on the reasons for corrections or the reasons for the drops.....some asset class will not drop but increases.....but some times ALL of them can dropped together too amid different rates. (Mar 2020, i think FI, EQ, GOLD and OIL ..... ALL affected))
if one had just started to accumulate a little bits of the gains or waiting to accumulate the gains and if so happens all the mkts corrected....the all the portfolios also kena.
thus the 10% portfolio which are heavy in FI thus would have gained lesser than the 36% portfolio during the "Good" period......
the accumulated gains of the 10% portfolio would be easily wiped out during FI sell out.

just like those that bought some RHB FI UT funds sometimes back.....
during a bond default, the losses had wiped out many months of accumulated gains of those FI UT funds.
for those new investors that kena hit...will say, "Celaka one...FI ut can loss more than some equities funds i had in a short period"

more to related subject...
Which StashAway Risk Index Should You Choose?
The SRI is derived from a common risk metric, Value-at-Risk (VaR). VaR measures the likelihood of a potential loss on your portfolio.
Basically, it preemptively answers the question, “How much could I possibly lose on my investment in any given year?”
https://www.stashaway.my/r/which-stashaway-...ould-you-choose


This post has been edited by yklooi: Oct 2 2020, 11:27 AM

Your "ratio" uses the gain value... Like in my earlier post asked... What if you does not have gains or the % of gains earned are just too little?
What if you had gains gathered over the years and if during 'a" correction, it happens only on equities while FI gained during that corrections?.... Then FI Heavy portfolio would not drop that much.....
For as not all asset classes are affected or moved in the same direction or same speed during each corrections.

Thus your "ratio" has to consider the % of profit available and also which asset class are negatively impacted the most and which classes are not impacted or even gained during THAT correction.

This post has been edited by yklooi: Oct 2 2020, 05:03 PM

I think you missed the word... "Should not even consider.... "

maybe they just copy and paste the article from article intended for another country?

maybe the proof reader may think of it this way?


Attached thumbnail(s)

have to ask them for definite answers

so now Wahed also?
in other words.....for robo investing....newbies has to study and know about the liquidity issues of each of the ETF that the portfolio holds?


btw, any idea of the "safest" amount to withdraw for newbies (of ROBO investing) so that there would not be any issues about liquidity no matter what ETFs the portfolios holds?

This post has been edited by yklooi: Oct 9 2020, 10:03 AM

"Historically, the market goes down in the month of November, after a Democratic victory," said Stovall.

Since World War II, Democrats won the White House nine times, and the market fell an average of 0.5% in November in those years, compared to the average gain for all Novembers of 1.4%, according to Sam Stovall, chief investment strategist at CFRA said.
https://www.msn.com/en-my/money/markets/aft...4?ocid=msedgntp

in the meantime, i will stay in expectation of "average gain of 1.4% for all Novembers"

This post has been edited by yklooi: Nov 7 2020, 09:41 AM

to SIMPLE?

talking about Gold allocation...
xuzen,are you still at 25% GOLD in your Equity portion of your portfolio as per mentioned in Aug/Sept Algozen updates?

You can lose 294 or more too during that time frame...unless you are refering to stashaway simple, which is very low risk... You need to find out the current project return for simple.

Just my past observations.. That could be wrong... Hopefully it won't happens to you

If you are 55 yrs old or if you trusted Yr parents n don't mind getting their help... Try epf

This post has been edited by yklooi: Jan 9 2021, 09:08 AM

SAMY (stashaway Malaysia) or SA (Stashaway) has AUM >1 billion USD?

on a side note...just for comparison purposes...

Affin Hwang asset mgt in Malaysia manages over RM60 billion (as at 30 June 2020) in assets for retail and professional clients.

Dot-com bubble
Between 1995 and its peak in March 2000, the Nasdaq Composite stock market index rose 400%, only to fall 78% from its peak by October 2002, giving up all its gains during the bubble.
https://en.wikipedia.org/wiki/Dot-com_bubbl...0the%20Internet.

the first American ETF launched in 1993, it took 15 more years to see the first actively-managed ETF to reach the market.
https://www.investopedia.com/articles/excha...d%20the%20world.

i think is appropriate for you,....
from Wong Sui Jau

Sui Jau's ....
"The most important advice I would give to anyone who hasn't started (be it man or woman) and is being held back is to starting investing now, but use a small amount.
Something you are comfortable with even if you suffer losses. It can be as little as one thousand dollars because that is usually all you need to start investing into a unit trust (or Stashaway/Stock market in your case).

Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash.

The key thing is you have to accumulate investing experience.
No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest.
You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times.
And learning from mistakes made is the greatest teacher."


SORRY to those regular forummers, that had read this some many times and so frequently...

This post has been edited by yklooi: Jan 31 2021, 10:04 PM

my ideal risk level would be the level that will not effect me both financially or emotionally not matter how the performance of the level would be.

Don’t believe the hype about AI and fund management
Machine learning can generate marginal improvements but nothing truly transformational
https://www.ft.com/content/40c618c6-4c0a-11...a0-43d18ec715f5