This one?

If want to time the market, why not invest to share market instead of invest in SA?

Therefore I will keep on DCA, only will increase the DCA amount if I got extra money.

I just started 30% and 36% risk last week. Should I focus only on either one or DCA small amounts on both?

Whats your take on this sifus

Your 3 portfolio all invested same amount of money ?

the 10% portfolio should be the more defensive portfolio.

given the rise in equities in the past few months, surely you will see the 36% and 20% outperform the 10%.

if we go into crisis tomorrow, the 36% and the 20% will also surely drop the most, theoretically, right?

if you wanna measure it this way.

but let's not forget.

the defensive portfolio loses 6% in reality and the risky portfolio loses 15%.

so in a nutshell, the 10% portfolio is also a more defensive portfolio in nature and it is designed to investors with less risk appetite, no?

so by your logic, the riskier the better?
if i may ask, in your opinion, those 6-10% risk index portfolio is a conjob.....? since they are not a defensive portfolio by your interpretation.

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

tonite will be interesting -

Not sure has anyone thought of this. Having a portfolio with lowest risk 6.5% and just jam loads of usd when myr is strong.

I find stashaway conversion rate is rather competitive. Also is better than foreign currency fixed deposit.

Having a lowest risk portfolio as myr hedge isn't a bad idea? Your thoughts?

FSM? Or SAMY?

Guys, investing incrementally daily or lump sum monthly can get better return with stashaway?

When you withdraw it is into a bank account out of SA reach. Then from the bank account you deposit back into SA how does SA verify the deposit come from the earlier withdrawn monies?

This is also same for Spore bank FD promotion they keep saying only allow fresh funds how do banks check the fund withdrawn is later deposited back as fresh funds? I guess for banks maybe can as between banks their own IT system can "talk to each other" but SA is not a bank only a fintech hmmm.... just curious that's all