Many started condemning when they received the "rebate" in their Simple portfolio already.

But hopefully they can live up to their projected 2.4% return for Simple.

why is that scary?

You mean Stashaway community group?
I did join the group, for the past week almost everyday got ppl post about kweb/reoptimise and the comments usually buy the dip/DCA and asking poster to shutup/trust SA.

Then I think the only investment that is suitable for you is probably FD.

But FD really can give you guarantee return, you won't get less/get nothing/lose capital.

but they are right, only FD gives you guaranteed return.

In MMF, it's either get less or get nothing. But the chances of u to lose everything is not zero. No one can guarantee u anything in this industry. It all works based on probability of likelihood to happen. Understand this concept n stop asking again and it will help to not trigger other ppl that is sick n tired of answering this same question.

In MMF, it's either get less or get nothing. But the chances of u to lose everything is not zero. No one can guarantee u anything in this industry. It all works based on probability of likelihood to happen. Understand this concept n stop asking again and it will help to not trigger other ppl that is sick n tired of answering this same question.

StashAway simple is a cash management fund. You do get returns but there is no capital protection. In my own history of investing in money market fund, it has not lost capital yet. It’s been decades. But the returns are not guaranteed.

It’s purpose is not so much for capital appreciation but just as a temporary deposit for investing in other things. Or to cash out from selling your other securities.

In investment, sometimes not making a return is a loss in itself, so you need to understand principles of risk vs reward and opportunity cost. The answer to your question is you gotta be more informed before buying something.

what happen when we dont get the projected return? we get less? get nothing? lose capital?
if you are refering to Simple,...then YES to all your probabilities...

we get less?
if it did not hit the projected returns,...then YES, we will get less (than the projected returns)

get nothing?
since Simple put our money in Amincome fund and this fund hold xx% of debt papers, in the event of exception of unforeseeable circumstance, there is a rating downgrade of a debt paper, the price of it may fall, thus the NAV will fall too, BUT but since the other holdings of the fund are still getting income, and if the total income obtained from others are equal to the value of fall in the value of the debt paper, then there will be no gain, thus YES, we will get nothing

lose capital?
since Simple put our money in Amincome fund and this fund hold xx% of debt papers, in the event of exception of unforeseeable circumstance, there is a default of a debt paper, thus the NAV will be impacted, BUT but since the other holdings of the fund are still getting income, and if the total income obtained from others are less than the value of defaulted value of the debt paper, then there will be losses to that fund, thus YES, we will lose capital.

Stashaway termed Simple as,....
Is StashAway Simple™ risky?
This is an investment, so there is a level of risk, but it’s incredibly low. The StashAway Risk Index for StashAway Simple™ is 0.1%. That means you have a 99% chance of not losing more than 0.1% of your AUM in a given year.

https://www.stashaway.my/simple

if that happens.

what would you do next?

In the history sp500 has never fails to recover from dip.  And sp500 is already a diversity index fund.

And I don't get it why we have almost 0 allocation of this fund or anything similar.