We just discussed this a few days back. actually Stashaway has a trustee account with Saxo Capital Markets. So if they go under, our money stays with the trustee and there should be some arrangement for them to sell our stocks and return back the money to us. Stashaway cant touch our money in the trustee account.

Correct me if I'm wrong. 

What is Time-weighted Return?
Time-weighted Return (TWR) is the most commonly-used way to calculate returns in the financial industry, and it's an easy metric to compare returns between different portfolios.

By tracking the portfolio’s performance from your first deposit, a portfolio’s TWR removes the distortions that various cash inflows and outflows create. In essence, TWR measures the portfolio manager’s ability to generate returns, not the effects of an individual’s deposit and withdrawal behaviours.

What is Money-weighted Return?
Money-weighted Return (MWR) assigns a weight to each of your deposits and withdrawals. So, a deposit of RM1,000 has a lesser effect on your portfolio’s return figure than a deposit of RM100,000.

This approach helps to gauge the impact and effectiveness of an individual’s timing of deposits and withdrawals. As a result, due to the emphasis of deposits and withdrawals, MWR may naturally overweight or underweight the returns, as well as distort the performance of the portfolio manager and their investment strategy.

MWR can potentially inflate your returns if you deposit when the markets are going up, or similarly understate your performance when you deposit while the markets are going down. It will also assign a larger weight to a lump sum deposit.

MWR’s merit lies in that it clarifies the impact of the individual investor’s investment decisions (e.g., when you deposit and withdraw).

So, unless your portfolio manager determines when to deposit or withdraw funds from your portfolio, MWR doesn’t effectively measure your portfolio manager’s performance. You should only use MWR to compare two different portfolios if you have the exact same deposit and withdrawal behaviors for both portfolios.

https://www.stashaway.my/r/how-stashaway-calculates-returns

there are many places to use the EPF account 2 though. Housing, education, children's education. it should be also your goal to stay as healthy as possible to touch the funds.

If you use jom pay, make sure you transfer in the morning. Alternatively, can transfer tonight as well, just to be sure.

DCA the best. Just close one eye and go with flow

recently i thought of a question, is there anything about handling of my investment in SA if there is anything happens to me? (ie: death etc)

Never invest in what you don't know or understand.
Don't put all your eggs in a basket.
Stay invested.
(Don't get too greedy).
Invest as much as you can as soon as you can as long as you can.

Now think good time to dump more into Stashaway?

Did you try changing to USD and see whether it works?

Otherwise drop them a message for them to fix it 

3months doesnt provide any meaningful input imo. And some have also mentioned that 2020 is completely an outlier year due to covid and doesnt represent the norm.

And if you have compared 3months period from jan 2020 to march 2020, you would probably say SAMY is a complete scam and stay out of it forever.

I started around April 2019. DCA monthly rm50. Now got around 900 deposit. Return around rm150. Quite ok right? Risk at 22%

right now, the among shares, UT, and stashaway, I honestly think SA is the safest instrument in such a hot market.

But, that does not mean I am literally stashing all my cash here. I just think that the methodology proposed is safe - when all are greedy be careful.