Yeah just treat it as lesson from them

In fact this year with the new reopt should be quite steady with some small gains 👏
At least you still in the green a lot of others are still in the red
You exited before KWEB opt in? Or after

In fact if you go in now at 36% Sri it will be still in red for a while 🤦‍♀️

22% Sri and below should hold steady for a while

does any one still have hope in stash away? any one stil profiting well?

i did for 3 years, dca-ed regularly, nothing worked out and i gave it all up

Took some time off from investing
Just started to invest not long ago

I'd take the 5-6% annualised return, anytime, in such a bad year considerably.

Wow.. I don't even have 10k lol

What ETFs and how much allocations you have in your Fire Fund?

i have invested during 2019 till now for 30k...
the app showing 30%.... but the 30% is totally misleading calc..

i did a calculation in excel , comparing if i placing FD with average promo rate of 12-18months each year.  for 2019 Jan to 2022 Jan...
basically past 4years FD can earn more than stashaway... PLUS no risk if go for FD
i have just decided to withdraw all my 30k from stashaway today

for new user that thinking to going in stashaway, my sugesstion is a big no, please dont

Factor in as well if there is dividend given out to be reinvested as well 👏

understood, maybe i miss out the 2017 ?
those from 2017, what are your CAGR ?
i believe 2019 to 2023 are not too short in term of investment period
i even top up during 2020 march to june during sharp fall...
still not much "earn" in true % compared to FD
dont follow the app return % shown, it is misleading calc....
again, im here to learn and share my view guys... dont shoot me if my thinking is different

The attached image shows,
Individual SRI annualised performance Since individual portfolio SRI inception till end MAY 2022

For annualised data of till end Dec 2022, perhaps have to wait for them to publish.
If cannot wait, perhaps have to compile manually from their monthly portfolio reviews and commentary reports.

BTW, I think, since the data as in this image is in "annualised" value. I believes if after taking into consideration of data from end June till end Dec 2022... The annualised rate of some SRI will still be better than FD annualised from 2017/8 to end 2022

Their BlackRock portfolios were re-optimised again effective today. Seems like the reoptimisation is quite frequent compared to the SA’s original portfolio.

It is trading sideways but skewed towards downside so you can make your conclusion there

You should take the bottom during Oct 2022 as your baseline and chart from there if you trading short term

And also monitor earnings from q2 from Dow biggest 30 companies

Definitely there is an opportunity for upside on Q3 onwards if you are patience enough

What are the causes for the dip?
Has those causes still exist or the severities impact of those cause been reduced?

Example, just Ex: If you blamed the falls due to hawkish stance of the FED to raise interest rate for sometime to try tame inflation. Is the stance still as hawkish as before going forward?

The latest inflation data is worrying though. Not sure if US gonna be aggressive again on the hikes.

Wait for blockbuster March meeting after jobs report data is out then we know rate

If jobs report spring a very good suprise of negative then we are back at 25bps

Anything 50bps is now suicidal from the Fed as it means that there is no more soft landing in place 🤦‍♀️

I already expect at least 4 rate rises this year which is not suprising anyhow because the data is not convincing enough 🤦‍♀️

This answer to this question will now much depends/related on the below

Market only pricing in 2 another this year which means 3 total but the only will break the market next month is another 50bps but for sure 25bps will be another 3 to go until summer

The pause started should be longer now most likely end of the year