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> StashAway Malaysia, Multi-Region ETF at your fingertips!

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MUM
post Sep 7 2019, 11:43 AM

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QUOTE(taiping... @ Sep 7 2019, 11:02 AM)
I am planning to join this. Hope I’m not late to the wagon
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since you are new to this but you have low risk appetite but with high risk capacity. (a lot of cash at young age).....

go SLOW and be aware of global economic changes.

May the FORCE be with you. rclxms.gif

MUM
post Feb 18 2020, 02:59 PM

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QUOTE(tehoice @ Feb 18 2020, 02:56 PM)
not sure why you guys been telling losing market in UT, if you select the right fund, you shouldn't be seeing much losses.

i invested in KGF for quite some time and it gives me handsome profit over the past few years.

only starting in 2018 i DCA monthly and see the return becomes smaller (due to more expensive cost), but i'm sure it will bear fruits in a few years time.
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talking about KGF....read somewhere that they started adding M'sia Banking stocks into their portfolio last year.....unlike previously.
seems like KGF series 2 is taking the previous mandate...
do check it out if you want....

This post has been edited by MUM: Feb 18 2020, 03:00 PM
MUM
post Mar 1 2020, 09:45 AM

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QUOTE(MGM @ Mar 1 2020, 09:33 AM)
So can remove the FI portion now?
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sorry, I may be wrong, for I did not follow this thread ...
many times I noticed forummers postings their risk preference 36% or something like that....

if there is this risk preference numbers.... I think there is FI portion inside the port....
unless if can select risk preference to the max?


MUM
post Mar 5 2020, 11:07 AM

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QUOTE(BacktoBasics @ Mar 5 2020, 11:03 AM)
guys, hope you can share your 2cents. is there a plus point to have two portfolios? One high risk like 30% and the other like 14%?

currently, i have one only at 18%
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are you having the same $$ value in each of the portfolio?
are you planning to move between the 2 portfolio following the market trends and sentiment or are you planning to just leave that 2 portfolio to run on auto pilot mode?
MUM
post Mar 5 2020, 11:12 AM

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QUOTE(BacktoBasics @ Mar 5 2020, 11:09 AM)
are you having the same $$ value in each of the portfolio?

I think yes??

are you planning to move between the 2 portfolio following the market trends and sentiment or are you planning to just leave that 2 portfolio to run on auto pilot mode?

I am guessing if auto pilot mode, then 2 portfolio would be better? or not one portfolio will do because you can change the risk of the portfolio anytime?
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with that,...then why want 2?
MUM
post Mar 8 2020, 08:07 PM

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QUOTE(not timid n slow @ Mar 8 2020, 07:20 PM)
i noticed equity allocation is heavily biased to america.

is it possible to tweak the allocation by region ? i wish to have more exposure to asia.

..............
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from their website...
Can I change the portfolio composition or the asset allocation within my portfolio?
Inside a portfolio, you can only adjust the composition of your portfolio for a goal by adjusting the recommended risk/return target level.
You cannot change the individual ETFs inside a portfolio because our algorithms select them and design the portfolio allocation based on your risk preferences.
https://www.stashaway.my/faq/115001416793-c...n-my-portfolio/

QUOTE(not timid n slow @ Mar 8 2020, 07:26 PM)
being a layman and newbie, i need to ask 2 simple questions about exit strategy and legitimacy of this aggregator (is this the right word ?).

1, is there an annual financial report where it details breakdown exactly how and where the totality of our money is being invested in ?

2. is there any chance that the company will go belly up and our money will be stuck / lost ?
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again from their website...

Where can I see all my investment activities?
https://www.stashaway.my/faq/115001417113-w...ent-activities/


What happens to my money if StashAway gets acquired, goes public, or closes?
https://www.stashaway.my/faq/360013493654-w...blic-or-closes/

Your money is held by our trustee (Pacific Trustees) and remains untouched and safe
Even in a bankruptcy event, funds held in a trust or custodian account cannot be touched, as they belong to the customer – not to StashAway.
https://www.stashaway.my/security

This post has been edited by MUM: Mar 8 2020, 08:11 PM
MUM
post Mar 9 2020, 09:33 AM

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QUOTE(not timid n slow @ Mar 9 2020, 12:27 AM)
the big question is

has it bottomed out already,  or am i gonna catch a falling knife?
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to me, you would be fine too if you just go with the allocation as you had mentioned in another thread
you now have 10k in crypto and 150k cash at hand
if you just go in the same amount at 10k in SA
you will just have about 6% of your cash at hand in SA
if this SA dropped 10% (as happened last 2 weeks),
you entered (maybe not at lowest price), and you happens to "catch a falling knife"
if the SA drops another 20% after you purchased it....
your 10k would have lost 2k
you ONLY lose 1.2% of your cash in hand

this lost of 2k or 1.2% of your cash is when the total Drops of SA is 10%+20% = 30% (possibility of this to happens?)
if you CANNOT tahan or prepared to take a lost of 2k or 1.2% of your cash at hand...
may I suggest you really review your risk appetite again before embarking into SA, Wahed or other EQ investing, especially at the current volatile markets...
.... for you have been in a comfort zone of hoarding 94% of your cash in your hand for some times..


MUM
post Mar 9 2020, 09:57 AM

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QUOTE(not timid n slow @ Mar 9 2020, 09:38 AM)
thanks for your reply.  yes i have been hoarding free cash for years now.  yes my risk appetite is rather high.

but as some other forumer mention that the global market may still fall, i will probably invest 10% of my funds this week and see how it goes.
*
with the ratio of your employed bullets....
just 6% invested while 94% cash at hand....
I would not say your risk appetite is high...

I would say "your risk appetite is very low but your risk capacity is very high"

anyway high or low, does not matters as long as your are happy with what you are doing....your money, your call, ultimately only you yourself can be liable to your own emotional happiness.
you reap what you sow.
MUM
post Mar 9 2020, 11:19 PM

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Why US stock trading took a 15-minute break this morning

It's basically an automatic breather to try and calm market.
There are three levels:
Level 1, when there's a 7% decrease – 15 minute halt
Level 2, when there's a 13% decrease – 15 minute halt
Level 3, when there's a 20% decrease – the market closes for the day

https://edition.cnn.com/asia/live-news/coro...-hnk/index.html

9:34 a.m. ET: Stocks trigger circuit breaker, trading to close for 15 minutes
9:49 a.m. ET: Stocks resume trading, S&P, Dow plunge anew
The S&P 500 and Dow extended losses after reopening following a 15 minute halt for trading.
https://finance.yahoo.com/news/stock-market...-224253935.html

This post has been edited by MUM: Mar 9 2020, 11:20 PM
MUM
post Mar 12 2020, 10:41 AM

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U.S. Stock Bear Markets and Their Subsequent Recoveries

Bear markets are defined as periods when the stock market declines by 20% or more from the highest point to its subsequent lowest point.
From 1900–2014, there were 32 bear markets. Statistically, they occur about once every 3.5 years and last an average of 367 days.

Despite the occurrences of bear markets, markets typically have been up more than they have been down throughout history.
From 1950 through 2018, for example, the S&P 500 was on 53.7% of days and down 46.3% of days, and the number of up days exceeded the number of down days in every decade.

https://www.thebalance.com/u-s-stock-bear-m...overies-2388520

MUM
post Mar 15 2020, 01:09 PM

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QUOTE(prince_mk @ Mar 15 2020, 12:46 PM)
do u all top up at these time ?
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read up few pages back....yes there are forummers mentioning that they did top up during this current "bad' time
MUM
post Mar 15 2020, 06:30 PM

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QUOTE(zacknistelrooy @ Mar 15 2020, 06:12 PM)
Their allocation to fixed income is definitely higher for even the aggressive portfolio and the main ETF has wide bid-ask spread

I will use their NAV for YTD performance

......
In the end it is -13.45% vs -14.38% (Stashawy 36.0%)

I will leave it up to all those who have invested heavily in these respective platforms as I am only testing it out for others.
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so the variant is just abt 1% and not 27% actual ROI returns variance?
(if of the similar risk level or FI:EQ ratio between SAMY & Wahed as posted?)

This post has been edited by MUM: Mar 15 2020, 06:31 PM
MUM
post Mar 15 2020, 06:42 PM

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QUOTE(zacknistelrooy @ Mar 15 2020, 06:33 PM)
Yes based on the NAV for their Very Aggressive portfolio

No real pure comparison as they have chosen at least 12.5% in FI even for their most aggressive port

The issue which is yet to be solved is can anyone really sell their portfolio at the price Wahed quotes since their main ETF I have seen has 10 cent bid ask spread
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wow,...good observation and research.....
notworthy.gif notworthy.gif
MUM
post Mar 16 2020, 08:45 AM

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QUOTE(Holyboy27 @ Mar 16 2020, 08:37 AM)
Just wanna ask, is it worth adjusting the risk rate lower now? Technically speaking, the risk rate is something we should have accepted as possible to happen and it did!

And say we head into a 2008 scenario, what should we do? Do we keep up the regular top ups knowing it may take a year or two for the market to recover?
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refer to the 2008 scenario, do you want to ride the recovery wave or stay on recovered, stagnant normal wave?
depends on how good a swimmer you are, thus refer to how good your preparedness before getting in the current wavey waters.

This post has been edited by MUM: Mar 16 2020, 08:54 AM
MUM
post Mar 18 2020, 10:29 AM

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There is no numerically specific definition of a stock market crash
but the term commonly applies to steep double-digit percentage losses in a stock market index over a period of several days.

Crashes are often distinguished from bear markets by panic selling and abrupt, dramatic price declines.
Bear markets are periods of declining stock market prices that are measured in months or years.

Crashes are often associated with bear markets, however, they do not necessarily go hand in hand.

Black Monday (1987), for example, did not lead to a bear market.
Likewise, the Japanese bear market of the 1990s occurred over several years without any notable crashes.

Crashes are generally unexpected.
As Niall Ferguson stated, "Before the crash, our world seems almost stationary, deceptively so, balanced, at a set point. So that when the crash finally hits — as inevitably it will — everyone seems surprised. And our brains keep telling us it’s not time for a crash.

https://en.wikipedia.org/wiki/Stock_market_crash

This post has been edited by MUM: Mar 18 2020, 10:32 AM
MUM
post Mar 18 2020, 11:15 PM

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QUOTE(wai57 @ Mar 18 2020, 11:12 PM)
What will happen if my total return is lower than my deposit? Will I be out of the game?
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I think if you don't sell...only paper loss....
unless you need to generate profits to pay for the "loan" taken to buy into the game
MUM
post Mar 19 2020, 02:37 PM

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QUOTE(stormseeker92 @ Mar 19 2020, 02:21 PM)
Anyhow, can anyone briefly explain how Stashaway does compounding interest?
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google and found this....
hope it is what you seek...

Where do my dividends go
SAMY
For goal-based portfolios and general investing portfolios, our system automatically reinvests any dividends you may earn.
All dividend payments are reflected in your "Transactions" tab.
https://www.stashaway.my/faq/360036668473-w...y-dividends-go/

SASG
https://www.stashaway.sg/faq/115001414834-w...do-dividends-go
MUM
post Mar 20 2020, 11:36 AM

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QUOTE(chiwawa10 @ Mar 20 2020, 11:20 AM)
shocking.gif  so much differences?? Wahed performed so well in cushioning the impact?
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read posting and replies to postings from page 219,....
there could be a reason for such a BIG variance....
MUM
post Mar 20 2020, 11:37 AM

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QUOTE(stormseeker92 @ Mar 20 2020, 11:34 AM)
Because

SAMY - European & US ETF
Wahed - Malaysian ETF

Correct?
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read posting from page 219,...there is a chart...
allocation is dependent on the selected risk level....
MUM
post Mar 20 2020, 11:56 AM

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QUOTE(yklooi @ Mar 20 2020, 11:43 AM)
OT...
thanks good ness, my family is not planning to US this year...
most probably to Thailand & Spore....
how is the movement of the currencies of that 2 countries?
is about the same YTD?
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OT...
just for your perusal....
seems like no drastic changes


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