while waiting for their responses,..
from what i had read here for the past few weeks,...
I think I can summarise some of the available risk.....
losing about 30% of the capital in a short period of 2 weeks
having emotional problems due to unable to sleep and work well for the money and the "dream" gone haywire in a short term
unknown as to when can recover the losses.
etc etc

I am not sure. Personally I had bought 2 UT, one is AM Reit and the other is RHB asian fund. Well we all know current market affect Reit badly and my portfolio down 3x% , well for RHB it lost 10%.

But I had confidence Reit will go back up and its a matter of time, so just bought some to DCA.

pump into simple and weekly DCA. don't do lump sum

1 lump sum is like timing the market already. what if you bought in at the highest? DCA ensures you minimise that risk. but if you are confident that market won't go any lower feel free to VCA

Dollar cost averaging: deposit same amount every fixed period
Value cost averaging: sometimes throw big amount sometimes don't put depending on market

Why 18k, not more/not less, lol

what is 5% rule capital?

can share abit with us.

There is no right or wrong, but according to Peter lynch your strategy will never exceed 5% gains.

Anyway if you dump your individual stocks into stashaway, lose 5% in the short term, see that your original Malaysia stocks go up, then sell StashAway, and go back to stock picking, then lose another 5% due to random market movements in the short term, repeat another few cycles and you will get poor rather quickly in a bear market (beware, we are now definitely not bullish).

While i agree o some extent klse stocks are really suffering I won’t advise to do any further selling once you are in StashAway.

What is domestic ringgit borrowing (DRB)?
https://www.stashaway.my/faq/900000198566-w...t-borrowing-drb

How would StashAway invest my money if I have domestic ringgit borrowing (DRB)
https://www.stashaway.my/faq/900000198226-h...t-borrowing-drb

BNM notice 3...
PART B: INVESTMENT BY RESIDENT ENTITY

Entity without Domestic Ringgit Borrowing
3. A Resident Entity without Domestic Ringgit Borrowing is allowed to invest in Foreign Currency Asset up to any amount.

Entity with Domestic Ringgit Borrowing
4. A Resident Entity with Domestic Ringgit Borrowing is allowed to invest in Foreign Currency Asset up to—
More...
https://www.bnm.gov.my/documents/20124/6036...rency+Asset.pdf

If I have 2 or more bank loans, Stashaway Malaysia prohibits me from opening an account?!
https://howtofinancemoney.com/stashaway-malaysia-review#16

I have been putting it for 9 months, only earn RM 40 maximum. 

Another market timer. Except this fella is worse.

If you can see bear or bull market coming, you shouldnt be using stashaway, you should buy calls and puts.

Also if ur portfolio crashed ady, switching to low risk realizes the loss, shouldnt one go higher risk after a prolonged and deep downturn to ride the market up higher?

Which portfolio?

I was like -6%(?) on 36% when I exited. My dad's port has never seen positive so far either I think?

6% is pretty decent to be honest, with how low risk the main portfolios are meant to be.

yes, that is very true, if we can know that the performance will be 5.9% pa
so are we will not know IF historical past performance of this 5.9%pa will repeat itself again and again

for past 2020 performance has shown enticing returns
https://www.stashaway.my/r/our-returns-2020

performance for July 2017 to July 2019
https://www.stashaway.my/r/stashaway-performance-2-years

If you need more validation to fully withdraw suggest you to visit the stashaway Community Facebook group instead. People here mostly don't care lol