If you have investment other than SA, I would think it might be make sense for you to just invest in highest risk (36%) asset allocation in SA.

Reason: consider SA is eating 0.8% management fee, if you invest with average return of 8% then SA takes 10% of your profit, if you invest with average return of 4% ("safe" portfolio) then SA is taking 20% of your profit.

You can always lower your investment risk by balancing your overall asset allocation outside of SA i.e. FD/bond fund/REIT etc.

For any investor who would like to find out how other robo advisor world wide performing in order to have a better understanding what can we expect from robo-advisor, you could download the pdf report as below:-

https://www.backendbenchmarking.com/the-robo-report/

Ultimately, Stashaway is just another fund manager, roboadvisor is not anything canggih and many choices available in other countries as well. So no point to think Stashaway is can beat the market with better risk-reward ratio because stashaway is more canggih. I think the only advantage Stashaway has is no sales charge no matter investing RM100 or RM100,000. However, we have to pay 0.8% annual fee for this service.