Correct me if I am wrong. (RM8,430/RM179,000)/17 months X 12 months = 3.3% annually. Is this good return?

This post has been edited by ky33li: Nov 2 2020, 09:52 PM

which means in this case dca doesnt work right? cos u keep topping up at higher price.

there is etf in FSM singapore not malaysia. Personally i preder buying ETF usinng Tiger Broker due to lower fees. In malaysia, i prefer Akru because it invested into Vanguard ETFs

actually stashaway performance is not as good as s&p 500 this year. Last year is different all stocks unit trusts ETF had goos returns

Stashaway ETFs are similar to unit trust funds managed by fund managers. Prior to 2022, the world has 10 years of low interest rates environment where there are free flow of cheap monies. The back testing done is useless because no funds / ETFs had ever gone through high interest rates/inflations. 10 years later, almost all countries are highly indebted and with US stop printing its currency and raising interest rates to tame inflation, other countries have no choice but to follow. My question is which fund managers perform when inflation is high? NONE. What more past records are not indicative of future performance. In addition, with high inflation resulting in higher costs, rising borrowings resulted in higher interest expenses, which company's profit will increase? That's why you keep reading news on companies downsizing or reducing staff to cut costs. Unless you short the market for 2022, you will be having unrealised losses as well.