Hi guys.

I've decided to give Stashaway a chance owing to it's wider investment portfolio as Raiz has been performing sub par (despite setting my portfolio to aggressive for the past 7+ months) since the time i started using it in July 2020 till now.

Some questions:

i) What is a reasonable risk setting range given today's economic climate? I have quite an appetite to take medium - high risk and my current setting is 16%

ii) Since my recommended porfolio also covers US equity sectors, will it be wiser to deposit one lump sum of cash eg. RM50,000 given how 1 USD is now roughly 4.04 against MYR or will it be advisable to stagger it by depositing one time, RM10,000 followed by monthly RM3,000 contributions?

Thanks!

Checking in with you folks.

Background:

- I started Stashaway with an initial capital investment of RM10k in Feb 2021 and every month, i allocate RM1k to be deposited into my investment portfolio. To date, i have deposited a total of RM13k as of May 2021
- My risk setting is set to the highest at 36%

Question:

- I noticed that over the past 4 months since my initial capital investment, i have never break even or seen any positive returns when evaluating my portfolio every month
- Are any of you folks in the same boat as i am whereby in the past 6 months or so, you have noticed negative returns month on month?

When comparing Stashaway's robo advisor performance against my Public Mutual's portfolio performance, i'm quite embaressed to say that my Public Mutual porfolio out performs it by quite a large margin month on month.


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Thanks, folks for your replies.

Indeed, i plan to stick around with Stashaway for a good 3 years or more so my progressive monthly DCA'ing should pay off in the long run. Let's see how KWEB performs in the following months to come.