New to stashaway here.
Wanna ask, say i have portfolio A, then later i add a Portfolio B. and i transfer amount from A to B, does SA charge me for this?

P/S just read the main page. Answered my own question. No, it dosent charge

This post has been edited by littlegamer: Feb 24 2020, 10:58 PM

Disclaimer, slightly deviate from stashaway.


Right now myr is kinda strong, which kinda make me think should I buy the lowest risk etf or just go over the counter to buy some usd cash.


I notice during the March crash, even the lowest risk profile take a hit. Which is more stable holding real usd or put in stashaway?

I see this is good reasoning...

Is this true?

Is there any legal alternative to this. Looking at what @eurobeater said, I kinda agree. In a sense, SA now hold too much gold regardless of what portfolio u choose. I assume etoro/other platform should have a bit more wider choice of stocks and etf.


Please Leave your thought.

If can make a portfolio just with kweb or Ali baba I would have dump some money in.

I guess with election on going stock inevitably have some fluctuations.

This post has been edited by littlegamer: Nov 4 2020, 07:19 PM

I would like to ask what does this self optimization do? Does auto sell some of my etf an auto buy back etf base on their AI algo?

I notice I used to have vgk etf in my portfolio now I there isn't.

Thanks, can explain more? In short what's the difference opt in self optimization VS not opt in self optimization?

I see, thank you for the explanation, kinda explains why I had vgk now I didn't see any.

Also I found that I can't opt out certain portfolios, either all opt in or all opt out of the optimization

indeed, but can't opt in certain portfolios or opt out certain portfolio on the optimization. Is either entirely optimized or not optimized

I hope SA, quickly trigger to allocate more to other ETF. Gld is not necessary a good investment. As other etf climbs,gld keeps sliding. All the portfolios choice allocate 20% to gold l, feels like I'm buying gold than etf

Not sure has anyone thought of this. Having a portfolio with lowest risk 6.5% and just jam loads of usd when myr is strong.

I find stashaway conversion rate is rather competitive. Also is better than foreign currency fixed deposit.

Having a lowest risk portfolio as myr hedge isn't a bad idea? Your thoughts?

I agree with u. On this side I fear Malaysian gov print more money than US does. My opinion is that since myr is already lower purchase power, it gets worse faster when store in myr.

As afood for thought, during may where myr was around 4.45. Compare to now 4.07, fluctuations in myr itself has already migitated by the risk in 6.5% stashaway portfolios.

GLD carry so much weight, a slight increase on it pushing up the portfolio despite others are dropping mildly.

Really wish stashaway away create more portfolio for us to choose.

At the moment all portfolio has high gld allocation. Thus.. It feels kind blunt.

Hi, recently I bump into fsmone(I'm a slow poke I know), I notice there do have similar etf and more can be bought there.

My question is how is the fee compare SA VS fsmone.
Given the advantage fsmone I'm free to choose even higher risk etf. I mainly now now have issue with gld. Personally I dislike gld as it is a form or currency hedge and not a way to grow.

Say I have 1 lumpsum I know for the next 5 years I confirm won't use it.

Should I just dump in all in once? If DCA, the amount the come in later in the DCA strategy seem to frogo the returns in the market. Dumping in 1 shot ensure the full amount of lumpsum get to stick in there market longest time

Kinda begs the question should I DCA over 5 years or dump all and forget, come back to see after 5 years

This post has been edited by littlegamer: Feb 6 2021, 06:22 PM

Do you mean like having 22 26 30 36 distributed across them?

My situation now is I know I'm not getting married, buying a car or house. Say this lumpsum today is gone crash and burn. My current employment with frugal saving can recoup this amount in 2 years time.

My thoughts are, Yolo this lumpsum I have (keep 6 month emergency fund), from today till next 5 years, save up this amount, and contribute say a smaller sum each month (lumpsum +smaller dca), and the leftover I keep somewhere like FD.

Assuming within this 5 years, there is a crash, the FD can be instantly use to buy the low. Therefore offset the drop.


I really have no idea what I should do or am I overthinking. I just don't want my cash get eaten away from inflation.

Before I got all over the place.
Example,

Now dump 100k in stashaway. Each month I normally contribute 2k,but instead I dca 1k, the other 1k keep in FD. Continue dca 1k to SA monthly, 1k the FD. When crash, FD to SA to call buy the dip.

Advantage I can think of
1. My current lumpsum get to stay in market the longest time
2. Still get to DCA, but amount reduce to halves ,thr DCA amount can still get the gains in the market
3. Should it crash, my FD that I set aside should be able to boost back the lost.

Disadvantage
1. It be Hella scary having 100k drop 20 30%.
2. In case some thing in life happen needed cash, I will have very little Liquidity
3. I have to boost my income in order to keep the investment aggressive.

What I mean is the 6month emergency is already set aside. This 6month fun is nothing to do with stashaway, it will always be in Fd like a break glass if shit goes south kinda piggy bank.

Regarding the dip, no one can predict. But I'm thinking if there is a dip then I will have some amount ready.

This is a good read. Thank you

Not sure if today gonna go red. Elon musk said some dumb shit crypto is down, wonder it affects portfolios here or not.

2 days more to bonus... If it goes red gonna dump in more