https://youtu.be/fwe-PjrX23o

Hi, i was watching the video above. Based on my understanding, the closest that we have to an index fund in malaysia is etf and stashaway is one of the platform that we can use to invest easily in etf correct? Any other better alternative platform for etf other than stashaway? Im just looking to diversify my investment other than epf and asb.

Nope, still invest in asb mainly. But i feel better have secondary investment due to uncertainty in malaysia economy and politics. If everything when well the return will roughly be the same. If malaysia economy took a downturn, at least i have something to fall back to due to diversification.

This post has been edited by iqlas: Oct 30 2019, 09:47 PM

https://www.youtube.com/channel/UCCQnEX-1RsDXQ7kp3Byjrig

Does stashaway sells our etf if needed? I checked my May 20 statement and saw that i used to have XLK etf which comprise of top technology company shares but it was sold without me making any withdrawal. Is it due to the auto reoptimization?

Just curious, what metric would be the most similar to measure our stashaway portfolio performance similiar to how asb/ epf announce their dividend %? Would that be twr? Its difficult to see current year performance as twr start since when the first deposit was entered.

Any ideas? Just want see a simple metric of comparison between epf/asb vs stashaway

It depends, on your objective. From i've seen, investor use simple as a more liquid fixed deposit type of investment. If you have emergency fund portion that does not get used all the time then simple would be a pretty good choice to park that money.

The normal stashaway investment are more suitable for long term investing with the expectation of higher return than simple.

Just curious, does stashaway earning are being considered compounded monthly or annually formula wise?

Other than that, let's say stashaway/ any other robo advisor when bankrupt. What:s the procedure for us to claim our money from the trustee? Is it complex and involve any sort of expensive expense?

A question, with frequency and volume of money printing in US. How does the devaluation of USD affect the value of the respective etf?

For example, if the perceived value of etf xxx remain the same. Would that mean our total portfolio number wise would increase as 1 etf xxx require higher number of fiat currency due to devaluation of dollars?

Thanks for sharing. First time i know of this platform. The forex rate seems pretty bad or is this the norm for this sort of platform? The buy is at 4.13 and sell at 4.22.

Any other similiar platform that you know of?

This post has been edited by iqlas: Sep 26 2021, 05:13 PM

For non sc regulated, what's the good option available for malaysian?

Was there any discussion/plan on maybe perhaps in the future epf money can be pull out and put in stashaway for retirement plan? I know epf allow this for certain unit trust.
If not mistaken in singapore their goverment allow this for stashaway

I would like to obtain opinion on emergency fund. Currently i have it in combination of ASB and cash management fund.

I feel the cash management fund portion are better allocate to a fund with roughly the same asset combination as kwsp/asb. So in stashaway term it would be sri 22%(i know it’s not directly correlated because different between global vs local market).

The reason why i have this thought is because cash management fund is still “cash” which severely being impacted negatively by inflation. While a conservative 22% sri would have converted the “cash” into different asset type while having an “emergency” value that we can tap into if needed.

One would ask why not just put more in asb?
The reason is because asb have low withdrawal limit to withdraw online. Bank have to book online to go to its branch. Depending on where you live, sometimes you need to make appointment 2 weeks in advance. Therefore its not liquid enough for emergency fund under our current situation.

What do you guys think?

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

I think you missed out to include stashaway fee on the VT. Assuming same stashaway fee with ISAC, VT total would 97 in total

This post has been edited by iqlas: Apr 18 2024, 11:56 PM