I treat it like a high yield saving account

Not much on fees because MMF already included in the expense fees already

Plus the minimum it is higher when you buy directly 🤦‍♀️

They can pay out 4.1% by investing 100% in fd? This is so hard to believe. What kind of fd can give them so high return that they can pay their investor 4.1%

It all depends on your risk and asset allocation

At 100k I suggest if you DCA and long term holder just buy direct from IBKR as you will save a long term in fees rather than paying fees in SA while buying low cost index funds 🤦‍♀️

Unless you are person who is 100k to QQQ at Rakuten then you pay only time brokerage at maximum rm100 and you can hold long time for very low but beware that their afX spread is high 🤦‍♀️

Hi, if want assurance to get the 4.x% return…just put in the FD if you quite sure you won’t touch the money for quite some times.

SA will inform the unit holder if they can’t meet the projected return in advance ….another word is that it is not guaranteed/ more like a low risk investment.

But so far SA simple able to meet the projected return

Whats the other 30%?

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Even at retirement age, it is still.advisable to have some exposure to equities. Its still one of the best way to beat inflation.

You will only lose everything if you do silly things.

Safest way it to go for broad based indexes. Spx wont go to zero. Vwra wont go to zero.

Or really strong blue chips. Like Maybank also wont go to zero (it dropped to below RM3 tho in 2009 n below 2 in 1997).

But I agree to start small for beginners and ramp up.
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I mean even after retire you need some equity exposure, what more if you not retire yet.

You dont know your reits making money or not? How come? Reits disclose financial.reports every quarter. How are u buying your reits if u dont mind to share?

Historically, a well run quality MReit should give u an annualized return of 8-10% pa in terms of dividends and price. However, this return can be volatile and your entry points are also important.

Back to stashaway, the robo part is a bit exaggerated lah. Still a lot of human factors. I see it just as a lower cost unit trust.

Why on earth paying minimum 0.8% yearly when you buy fractional units from IBKR easily using Wise 🤦‍♀️

You are just paying close 1% yearly while throwing away money to SA 🤦‍♀️
I don’t you know if you realise or not MREITs love to inflate the value upon dividend announcement and then they will a portion of value of it to distribute as dividends and the unit price will drop to 52 week low 🤦‍♀️

If you still like holding reits then yes you are dividends are better off putting into Versa but not StashAway due to inconsistent returns 🤦‍♀️

Better yet take your dividends from REITs and buy consistent dividends growers like Maybank and Petronas Gas instead

Also I think it goes without saying, but please don't take financial advice for retirement planning from a random forumer LOL

At that kind of networth, get a fixed rate/no commission CFP is probably a better idea.

Really need help pls. Thanks

1) For Stashaway portfolio, do we have to declare the dividends in the BE tax form? The dividends are automatically changed /reinvested as increased portfolio value
2) If have to declare :
2a)is it under "tax exempt income from sources outside Malaysia received in Malaysia" ?
2b) put country as USA?
2c) or where to put it in the form?

For flexible portfolio world market etf, it’s better to take ISAC over VT due to lower wht charges correct?

ISAC lon is 15% WHT

VT dividend 1.6%
https://www.nasdaq.com/market-activity/etf/...ividend-history

From my experience with Simple, it takes 4 working weeks to reflect the dividend.

About to do my initial investment, but it is rather daunting. So, would General Investing by BlackRock @ very aggressive a good point to start?