18% risk here as well since mid Feb. -1.2% for USD today.

This post has been edited by cucumber: May 14 2019, 07:25 PM

My risk lvl 18%. DCA Since Feb, USD at 0% now.

That's what Stashaway is about isn't it?

What gave you the impression that Stashaway is for short term investment? They have never advertise it as such.

I see people complaining about this & that... What are you guys comparing it to really?

Do you have other better alternatives? One that allows us to invest in US based funds with a reliable algorithm which we dont have to monitor & one would auto allocate our funds based on the market conditions without us having to deal with agents & all the other BS? As easy as Stashaway?

Why YES, of course I would want my long term assets to be in USD. Why would you want to keep all your assets in this banana money currency aka ringgit, which has been depreciating since the 80s? It doesn't make any sense to me.

And that's really besides the point, the main thing here is, SA allows us to own a tiny piece of some of the biggest US companies like Microsoft, Apple, Google, Amazon, FB you name it (SPDR S&P 500 ETF Trust), without all the hassle. For the first time in history, it's as easy as it gets, omg. Do you not see the value in that?

18% risk since Feb 2019. +9.7% USD / +8.4% MYR

Today dip quite a bit ... maybe it's a good time to pump in some money.

What if it keeps plunging? I would just keep calm & keep DCA. Just made my monthly deposit yesterday.

Yes, yes and yes for me.

True in theory but we humans are emotional creatures. I for one would be anxious if the numbers start dropping significantly over a period of time. I would rather take a lower risk so I could sleep better at night. It all depends on your risk appetite.

I have 2 portfolios. Risk level remains the same for both 18% & 36% after optimization.

How did you get RM4000 per annum?

I notice that as well... the yield % (weighted return) shown is a bit weird these days. The real actual value remains the same, while the return would show 40% sometimes. It'll get back to normal after a while.

Daily might be a bit too much... but they should have kept the weekly option. If the transactions are small, couldn't they set a minimum limit or something that would make the economics work?

The market's been down last week.

https://www.bloomberg.com/news/articles/201...se-markets-wrap

This is a long game. I would suggest lowering your risk level if you can't handle short term loss.

Sure. Click on your portfolio and you'll see the "3 dots" menu at the top right corner. Click on the menu to adjust your risk level.

If your portfolio only consists of Equity then yes, it will mostly follow the market trend.

I see SA as an investment tool that follows Bogleheads type of philosophy. It is for long term, this is not for people who want to in with a gambling mentality.

We do not know what the value is going to be tomorrow, a week from now, or even a month from now. But based on basic investing principles & historical data, we can be pretty sure that it's going to make 60% to 80% return in 10 years time.

Yes agree. DCA consistently, slowly but surely. It's wise to diversify and not put all your money in the market. Focus on generating more income rather than spending all the time worrying about the market.

It's funny how the market work isn't it? It takes months & months to accumulate whatever amount of profit & then bam! Gone within a week. Stay positive gaiz!

Yup... just deposited rm2k

It's calculated based on whatever value you set in your one time & monthly deposit. Just play around with it & you'll see the numbers changing.