Started investing with Stashaway in April 2021. -11 and -14% respectively for my 22 and 36% portfolios.

I'll just wait and see. I'll still consistently put money in. I'll give it more time before I judge it.

I'm not upset that SA made the wrong bet and my portfolio is in the red as that can happen with any investment.

What I'm not liking though, is how quick they are in doing a complete 180. Shouldn't it be like..DCA => watch & see => reduce weightage => sell everything?

Yes. That's what I'm not liking. Pedal to the metal and then suddenly complete 180.

Agree with you that ukraine war is sudden. However, that's only taking a very limited slice of time. KWEB has been going down for a long time.
Ukraine invasion was almost a month ago. Why wasn't there any action from time of invasion until now?
At this point, nothing much is left due to 70-80% loss. A knee jerk reaction is the last thing that we need.

Like I said I wasn't upset that they made me lose money. I know it's a risk with any investments. I just don't like how they quick they switch from doubling down on KWEB to complete selloff.
Ukraine was invaded on..20th february or something like that. What I want is at least there was some messaging from them saying that they will be cautious on KWEB because of how close China is to Russia.

If you include look at USD instead of MYR to exclude the effects of ringgit weakening against USD, it's even worse. Mine is -18% money weighted, very close to my SRI 22%.

My MWR in USD is -21.04% for SRI 22% lulz

Basically started almost exactly 1 year ago lulz.

Whoa. I started SRI 36% less than 1 year ago and mine is at -24.5% now. Yours is worse.

12.5 months.

EDIT: Ah shiet. it's -21.49 % now lulz. Only 0.51% to reach jackpot lulz

This post has been edited by godhpf: May 11 2022, 02:09 PM

I think even if you only take 12 months, it's still negative -21.x% cos early on it was hanging on to like very low % in the positive region.

This post has been edited by godhpf: May 11 2022, 02:29 PM

-14.34 % MYR

I believe USD is the correct currency to use because our investments are in USD. If you take MYR, you are taking into account the depreciation of MYR against USD

Yeah I think USD should be the number that we should look at as well because it's the underlying assets' currency. Otherwise the number would be skewed.
Right now if we see MYR numbers, we see inflated numbers because of USD strengthened against MYR
Conversely, if USD weakens against MYR and but fund still performs well, then we would see lousy returns if we look at MYR.

I think MYR number is only useful when you wanna withdraw as that's when currency conversion back to MYR would happen.

This post has been edited by godhpf: May 17 2022, 10:23 AM

Lots of people here (that replied) can't accept negative returns at all. Probably they should just invest in FD.

KWEB aside, (almost) everything is red now globally. Just stay invested and ride it out.

I still maintain my monthly $$ to SA and will continue to do so. However, I do plan to try out IBKR and just dump it to S&P 500. I'll maintain my SA deposits while trying out IBKR+ S&P 500.

IMO, it's silly to judge a long term investment using 1-3 years time frame. 5 years should be the minimum. And no one should put money that they can't lose in long term investments. Also, nobody should dump all their eggs in one basket.

There are different types of investments for different types of risk tolerance.
If your risk tolerance is low, then don't pick investments that have potential to have large negative returns.

You can always split your money into pools & put emergency money pool in lower risk investments.
If you really cant tolerate any negative returns at all, then put all of your money in safer investments. Most of the time this comes with lower returns though.

For me, I wouldn't lose rm1 then taruh rm 2. For me, I would just be consistent. Then review the performance every now and then to see if it's worth putting more money in.

Your friend put everything in robo advisor? That's a bit reckless IMO.

This post has been edited by godhpf: Oct 25 2022, 06:11 PM

I'm still -ve

While I don't judge SA using short time period's performance, I disagree with using MYR to judge SA's performance.
SA converts your fund to USD before investing (except for Simple), so it only make sense to judge SA's performance using USD.

Otherwise, the performance is masked by currency fluctuations.

You can use MYR to see how much you will have at the end of the day, but to judge the performance, it should be in USD.

Well, let's agree to disagree.
For me, if SA converts it to USD, and USD is the currency of the investments, to judge the investments' performance, we have to use the currency that those uses.

Your example of EPF & UT is not exactly equivalent.
EPF can invest in many different currencies. To judge the performance of those individual investment, you use the currency that those investments are using.
However, we don't get such visibility. We only see the MYR value. Thus we HAVE to judge EPF using the MYR value.

Same goes to UT.

Does anyone know whether the 0.3% fees for flexible portfolio includes the expense ratio of ETF?

For example if I buy ISAC (expense ratio 0.2%), does the 0.3% already inclusive of the 0.2% expense ratio by ISAC, which means stashaway takes 0.1%

Or it is 0.3% on top of what ISAC charges, which is 0.2% + 0.3%?


I know it's not simple direct addition but I'll just do that here to keep the example simple.