how do you guys track IRR ?
StashAway Malaysia, Multi-Region ETF at your fingertips!
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 Mar 18 2019, 02:31 PM
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#1
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang  
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Apr 17 2019, 10:14 AM
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#2
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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QUOTE(David83 @ Apr 17 2019, 10:11 AM) Vanguard REIT and Gold ETF are weighing down the portfolio ROI in USD It can't be all up all the time    |
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Apr 17 2019, 10:34 PM
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#3
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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Guys we are here to make money not enemy. Relax everyone.
BTW where is this button to stop the re-balancing? I have the 36% risk and not see it anywhere. |
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Apr 17 2019, 10:56 PM
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#4
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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QUOTE(Ancient-XinG- @ Apr 17 2019, 10:37 PM) Good!! Hope more improvement. And they need a proper desktop version IMO. Haha. Yea. Chill only. The button is under your account setting. Below the promo code there. See whether if it's there. QUOTE(honsiong @ Apr 17 2019, 10:43 PM) There is "rebalancing" and "reoptimization". Rebalancing seeks to reduce asset allocation % error between current % and target %. It happens when: 1. You deposit and withdraw. 2. When the winner and loser are too far apart and no deposit/withdraw takes place. See: StashAway FAQ - rebalancing Reoptimization happens when economic cycle change yada yada, see: StashAway FAQ - What is reoptimization. AFAIK reoptimization hasn't happened yet, and it's opt in. I guess when ERAA senses shit is about to happen, they will ask you before they modify your portfolio and asset allocation whether you want it to happen or not. But rebalancing will always happen, I don't think you can tell StashAway not to sell winners and buy losers. If rebalancing doesn't take place don't bother with asset allocation already. Edit: accidental submit. Edit 2: I enabled auto reoptimization, and it shoved GLD into my portfolio last time. But I dunno if that could have been prevented. |
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Apr 17 2019, 10:57 PM
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#5
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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Double post
This post has been edited by lee82gx: Apr 17 2019, 10:57 PM |
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Apr 28 2019, 03:00 PM
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#6
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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Just pm me if still want referral codes.
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May 8 2019, 05:38 PM
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#7
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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in the words of a certain often-mocked-forummer-that-i-shall-not-tag-or-name : This is discount time!
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May 13 2019, 10:31 PM
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#8
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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Gonna be red tomorrow....
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Jul 2 2019, 03:43 PM
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#9
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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Currently my stashaway is about 5% of my unit trust / fund investments. My mid term goal is 30% in a year or two, and max out at 60% in 5years.
Yes, I'm a slow guy when it comes to opportunity but I've been investing for 13 years and there is substantial amounts in other vehicles such as FSM and Public mutual, and they are in other regions / sectors as well. My method is allocating my future investment monies 80% to stash away. |
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Jul 3 2019, 07:51 AM
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#10
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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QUOTE(Ancient-XinG- @ Jul 3 2019, 07:12 AM) Lol we were so wrong on GLD. I was waiting for someone else to say this since a few weeks ago hahaha. |
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Jul 11 2019, 09:47 PM
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#11
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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QUOTE(snoozet @ Jul 11 2019, 09:27 PM) I am still investing in foreign market through MYR hedged mutual fund, unfortunately they are not ETF. If u buy foreign currency instruments consistently over time, forex fluctuations are not going to impact your overall profit much.Below is the explanation of the hedge. https://www.fundsupermart.com.my/m/research/article/10404 With this I can make decision purely on the stock market situation without fx binding myself. |
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Jul 12 2019, 11:59 AM
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#12
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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The thing with MYR hedged, is that although your foreign investment is "free from FX" fluctuations...MYR itself isn't. Suppose MYR depreciates vs US, as is happening in the recent years, your 1 RM buys you less, right? In this case an unhedged fund does even better.
Take the opposite whereby RM appreciates against USD over time, even if you lost the MYR, your purchasing power increases too. At the end of the day, if the investment instrument gives you NETT NETT increase per annum in MYR, why bother, if there is no better option? |
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Jul 29 2019, 01:14 PM
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#13
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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Direct debit autopay is still slow as turtle? Scheduled for 27th July, now is 29th July and still "in progress".
My jompay which was scheduled for 27th July has already been received and is being invested. I feel there is no benefit at all with this direct debit. Edit- So my Auto direct debit was completed at end of the business day today, 29th July after the scheduled day of 27th every month. Still not too slow considering 27th and 28th was weekend. This post has been edited by lee82gx: Jul 29 2019, 05:16 PM |
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Jul 29 2019, 01:19 PM
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#14
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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QUOTE(roarus @ Jul 29 2019, 01:18 PM) I'm still 'old fashion', did manual transfer around dinner last night and got notification of deposit receipt around 11:20am this morning. I tend to agree with your approach if this thing is still so slow..... |
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Jul 29 2019, 06:47 PM
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#15
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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27th is 1 day after my pay day...either way a fixed date on the month will change days every month anyway.
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Aug 7 2019, 07:07 PM
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#16
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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QUOTE(rocketm @ Aug 7 2019, 06:13 PM) Hi, Never invest if you have no idea what it is. Some 10 to 30mins of serious googling should answer the question.I am planning to open an account in StashAway. Since it is automatic buy and sell ETF based on the goal that we insert initially, may I know are you satisfy with their investment strategy? Are you actually earning? I do not have idea about ETF in USA, is it wise to deposit for this investment as it is automated? We may be earning but this is far too short a time frame to start calculating returns. Suggested at least a few years. Even so, assuming we made a return after a few years, there will be no guarantee it'll be so the next few years. So understand what you are buying first. After understanding, then you can ask if stashaway is profitable or not. |
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Aug 7 2019, 07:14 PM
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#17
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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QUOTE(honsiong @ Aug 7 2019, 07:09 PM) Yes to all questions. You may be right in a way, but the age old caveat emptor always applies. In my mind, they are built for those who dont want to manage their money, and are unable to make small transactions in the funds world. My advice is always never fly blind.Actually StashAway seems to be built for ppl who don't wanna know too much about what they are investing in, BNM & SC gave them green light, you gotta trust them and they have fiduciary duty to you. |
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Aug 21 2019, 11:00 AM
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#18
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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My 36% portfolio hasn't been fully reoptimized even after I agreed, its now extremely cash heavy. While my lowest risk 16% portfolio has been fully reoptimized ie buy new etfs.
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Apr 29 2020, 11:48 AM
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#19
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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QUOTE(fjoru103 @ Apr 29 2020, 11:42 AM) I know this might be ask many times. You are contradicting yourself. The question is exactly trying to time the market. All we can say is the business day + 2 is roughly it gets converted to USD and +1 more is day it gets invested into units. What is the "good" time to deposit/enter? Not try to "timed" the market, but for my knowledge since our deposit will be converted to USD, so is it when USD go low or when market down? Guys, for the sake of sanity, please don't ask the is it a good time. It was a good time on roughly 20-24 March. Did you enter? Does it matter if you didn't? |
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Apr 29 2020, 01:30 PM
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#20
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Senior Member
1,997 posts Joined: Jul 2005 From: Penang
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QUOTE(honsiong @ Apr 29 2020, 12:43 PM) Please do not use MYR returns. if we intend to cash out in Malaysia and spend it in Malaysia, why not? |
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