If im not mistaken it's 36% chance for you to lose money.

PM sales charge more higher compare to others platforms like fsm, eunitrust,..... 😁😁😁

Wouldn't it be too risky to park everything with SA?

I have 70% of non-FD investment with SA, and another 30% with eToro. My FD portfolio is 2 times more than non-FD investment, yielding shitty return @ 2.10% but at least protected by PIDM. Hesitating if wanna switch to SA-Simple just for the sake of additional 0.30%.     

huh, 4-5 days of processing. I pulled out my highest risk portfolio and dumped it into Simple. Let's see what happens

Any started to put in a substantial amount of savings into simple yet?

I see. How about the rest of ur portfolio? or u only have high risk?

I'd like to think no investments are risk free.. with the exception of FD. They mentioned volatility, but with no clear elaboration.

According to the introductory post, I understand the higher the risk profile, the higher the projected returns. And you were right, these 'expected returns' are definitely higher than FD rates (even ASB for that matter).

However, in the unfortunate event that the markets go downhill, what kinds of losses am I looking at if I set my risk profile to be, say, 20%? The website says if your profile is set at 20% there's a 1% chance you have 20% losses, which sounds pretty alarming.. Let me know if I misunderstood incorrectly..

not saying they are not wrong but actually, emergency funds shouldn't be in SAMY in the first place.

Ok apologies. Anyhow how's your experience with stashaway? I put 36% risk, so far so good.

I placed all my hard earned money in stashaway, is it wise?

And that's with up to 5.5% sales charge, and up to 2% annual management fee.

Any idea on how much AUM does StashAway need to have for sustainable business?

are you buying SA stocks or investing your money thru SAMY?

I am more concern in force liquidation during unfavourable time and delay to get the liquidated fund.

if really concern of forced liquidation in time of unfavourable time....be it ex: (war inclusive)
so are your money in EPF, money in unit trust, gold and all other investments.....

forced liquidation can come in many form.....valid or not is up to each perspective...
believing of the chances of it to happens is also each perspective
wanting to invest in SA or any other form be it stock or CIS etc etc...always has the chances of forced liquidation.

Wrong wrong wrong
Got money oso dca, unless u timing the market very pro 😜

Do you mean like having 22 26 30 36 distributed across them?

My situation now is I know I'm not getting married, buying a car or house. Say this lumpsum today is gone crash and burn. My current employment with frugal saving can recoup this amount in 2 years time.

My thoughts are, Yolo this lumpsum I have (keep 6 month emergency fund), from today till next 5 years, save up this amount, and contribute say a smaller sum each month (lumpsum +smaller dca), and the leftover I keep somewhere like FD.

Assuming within this 5 years, there is a crash, the FD can be instantly use to buy the low. Therefore offset the drop.
I really have no idea what I should do or am I overthinking. I just don't want my cash get eaten away from inflation.

Before I got all over the place.
Example,

Now dump 100k in stashaway. Each month I normally contribute 2k,but instead I dca 1k, the other 1k keep in FD. Continue dca 1k to SA monthly, 1k the FD. When crash, FD to SA to call buy the dip.

Advantage  I can think of
1. My current lumpsum get to stay in market the longest time
2. Still get to DCA, but amount reduce to halves ,thr DCA amount can still get the gains in the market
3. Should it crash, my FD that I set aside should be able to boost back the lost.

Disadvantage
1. It be Hella scary having 100k drop 20 30%.
2. In case some thing in life happen needed cash, I will have very little Liquidity
3. I have to boost my income in order to keep the investment aggressive.

What I mean is the 6month emergency is already set aside. This 6month fun is nothing to do with stashaway, it will always be in Fd like a break glass if shit goes south kinda piggy bank.

Regarding the dip, no one can predict. But I'm thinking if there is a dip then I will have some amount ready.

Any other suggestions other than Versa, GO+ and KDI?