eh... what happened to this thread?

I was only away for a little while only ....

they use AI to choose for u :

Haha. Thats the whole point of SA isn’t it? to automate and help busy/lazy people that have no time to study which ETF to buy

Isn't that the whole point of SA? If you want to choose which fund or index to invest in then SA is probably not for you as you will be better off trading stocks or buying funds via FSM.

Not bad at all, my 6.5% portfolio MWR is 3.53% , TWR is 5.5% , created the portfolio in April 2019.

The 36% portfolio sitting pretty with 27.3% and 20% since Nov 18. Happy with it so far and only paid management fees for 2-3 months. Now free again for 6 months from Boost.

Question, does the return include dividends received?

Yes. The return does include the dividend received.

I think you need to venture into DIY portfolios instead of SA
https://forum.lowyat.net/topic/4744515

When you invest in SAMY, is MYR converted to USD directly to purchase ETF or MYR to SGD to USD as the HQ is in SG?

SA majority invest in US equity. least say, if US market crash on this year, robot advisor SA will switch invest to other market like China or etc.. please advise. thanks

they also have bond and gold ETFs lor. not only equities. it's quite diversed. however the more aggresive you go the higher the percentage in equities vs bonds/gold

Agreed.

But like I said I am thinking how to DCA for FSM UT. I have invested since 2017 and my current returns based on my portfolio is about 4% only.

seems very sad

Should be total returns as I checked it from the summary

finally funded my long created StashAway A/C XD
Luck to all of us buying & holding 

thoughts:
jeez.. so many steps to do manual funding - reference codes and all that, ie. no FPX auto-link/tracking, AND no Instant Bank Transfer - traditional Inter Bank Transfer.

most probably due to using Citibank as their Trustee's Account.
side note - just noticed Pacific Trustee above, small world - my Will's Executor XD

Number 3 no cant do

Yup - my account, with Portfolio tweaked and stuff - sat there since 2018, with no $ at all
I didnt fund it earlier because i could not remove the FI portion - i didnt want any FI as i use EPF as my main FI.

If there was a time limit, it should be longer than 2 years heheh.

er.. as i understand it, when we put $ in, it is directed to one of the portfolios created (goal specific or general). thus, ngek, cant sit $ there.
anyhow, no purchase cost leh, unlike UTs, and the total yearly cost starts from 0.8% +ETFs charges (0.2%+/--0.4%+/-), unlike most UTs 1.5%-2.5%
i think it goes straight into the selected portfolio U funding.

No.3 is possible with Singapore version. They got a Simple portfolio that invests in money market funds which is actually just normal bank accounts, but with significant delays when it comes to withdrawal.

Do you guys think that foreign bond investors will be dumping MYR this coming Monday?

Yes. MGS.

With yesterday political development, I'm expecting more dumping will continue and MYR will slide to 4.5XXX or beyond.

How much foreign holdings in our local bourse?
Forex cannot be traded openly and it's under strict regulation by BNM.
The only holding by foreign funds is MGS which is still offer attractive high yield compared to 10-years US bonds at 1.1X%

I hope you're right when PAS MPs are in the new Cabinet.
Not trying to be biased to religious/racial political but foreign funds especially from Western hemisphere may view differently on such appointment.
I could be wrong and who am I to give such opinion.

Yes but you need bank account in Singapore to open there.

Portfolio risk index ~ % portion

min 6.5% ~ 46% Govt Bond + 30% Corp Bond + 14% intl Equity + 9% gold + 1% cash
8%
.
.
.
18% ~ 30% Govt Bond + 3% Corp Bond + 36% US Equity sector + 15% intl Equity + 15% gold + 1% cash
.
.
.
.
max 36% ~ 72% US Equity sector + 27% intl Equity + 1% cash
we cannot change the % portion, just adjust the portfolio risk index to find the most suitable one.

ya by selecting something like "i prefer more risk" hehe
i recall there was no such second option, only that slider bar for adding risk 2 years back.. then again, i'm hitting 50s, nyanyuk-ing hehe

Home/Portfolio/Keep_Planning/General_Investing/ <click the Get Started>

pick the higher-risk.  Move the risk index point from 26% to 36%.  View the choice under Assets.  Click one of the asset class, eg US equity sector, you can view all the ETF invested in.  Same with others portfolio.  Build your portfolio correctly over here.

We can choose the most relevant ETF that we want to invest in.

Yes, I fall in this category. Just tell them you have tax residency elsewhere and declare your OECD tax identification number. Get it from LHDN.

some sort. but i'm not cutting lost of my investment. i force it to sell all high risk (equity) to low risk. So you can see my profit is confirm as everything sell & buy on low risk portfolio.
When market down badly, less impact to low risk portfolio compare to my initial portfolio.
If maintain existing portfolio, u only can see ,down, down till negative. nothing to lock your profit.
of coz, it is my theory as i notice stashaway dont do anything when market down. it just maintain the existing investment.
however another way is top up for it to DCA.

Everything will be in your transactions and no charges and fees when switching but beware they need to sell, move that money your new portfolio and buy back, might take some time to complete the whole process. If same port folio, they will sell and buy back according to the new risk accordingly

already see from app the transaction history since couple month (when market up & down).
Dividend bank in
deposit money - buy
no selling for couple month
unless i transfer it or withdraw...

The Federal Reserve has just cut interest rates as a result of the risk of the coronavirus. In a statement, the Federal Reserve said it decided to cut its benchmark federal funds rate by half percentage point to a range of 1.00% - 1.25%

I deposit last Sunday, received notification payment received Monday morning, order completed Monday night

I remembered last time it is not that quick right?
it take T+2 to complete the whole buy cycle if I remember correctly?

Federal Reserve said emergency move.