Just for your reference, my route for DIY cost about ~RM25~RM35 max per entry, I'll likely able to deposit maximum twice a year given my current financials, so RM50-RM70 a year. Rebalancing cheap because I am going for a simple 2 fund portfolio, and I try to rebalance by depositing without selling. Time wise, research and setting up is maybe 2 days, then I suspect its likely less than half a day a year to keep it running?

That means at RM5000-7000 under Stashaway's management, I hit the breakeven point for annual cost. Any extra money I invest into SA from there onwards cost me more than DIY route. Hence why I really hope SA can bring fees down as soon as possible.

Correction welcomed if my maths are wrong!

Not me I didn't ask in fb.

Domestic borrow? Meaning?

If you sell be prepared because it will take a day or 2 depending cut off time when you initiate the sell off

So plan wisely when you sell as you might even lose money when selling on a day like this where KWEB open at the bottom of 8% of the closing price the day before

im asking what will happen.

are you triggered by that.

if i understand you correctly it is possible to get less/get nothing/lose capital in simple?

right?

how would you define 'large amount'? later if portfolio turn red gonna give sleepless nights

i have a portfolio of risk index : 30% for many months and do DCA every week, the return is getting smaller recently and going into negative zone soon, i checked the asset class, there is this ETF : KraneShares CSI China Internet ETF that generated -38% return that pull down significantly the return and eat up all the positive returns from other ETF, this is understandable because recently china government are giving a lot of negative news to those internet firms in china such as Didi, Tecent and ALibaba.

should i switch my my risk index from 30% to below 20% to reduce the exposure to that KraneShares CSI China Internet ETF ? if yes, which risk % i should use here? 14% or 16% ?  If i don't act now, i think very soon i will make a loss in this 30% risk index.

If switch you just compounding the losses more instead

Just stop DCA and only locked in your gains and withdraw the only gains portions so only and let the rest and sit and work
FD will only will give fixed and no liquidity while MMF gives compounded daily gains and better than FD rate

Go and find any daily FD which gives 1.8% pa daily instead     

sine you mentioned something "RUDE"....calling those that opposed to your view "Licking SA boots"...
may i be RUDE too...
if you are so no happy...just get out of SA investing...
don't you think it would be STUPID to continue to stick with it after having known that your SA investment is worst than your SP500 portfolio?

walk the talk....get out of SA use that money to put into your S&P500 portfolio.

all talk no action.....

i liked a forummer just got out of SA because he does not agreed with the SA auto reoptimisation thing.

Lol.. i thought here is "forum", but why macam more like "praising hall" ah? Since always got certain people nagging about other people post their negative return/complaints.. maybe they got position inside SA like "defender of SA" or something.. hmmm...

I have different view with you.. you stated that:
-If they want only profit and fast return should not invest in RA.
-relying RA and goyang kaki wait for profits.
But then, that's exactly what SA advertising themselves for the newbies om the sign up page, lol.

till now no..really tak boleh la

Raiz not consider.
Maybe a better one like endowus to compete with StashAway

some are thinking that this is a "sure win" investment with a "short term" view.
if they can't sleep after seeing negative in their portfolio, it means they are not ready to invest yet? maybe should just keep their funds in FD or money market equivalent?

already adjusted portfolio risk from 36% to 6% few weeks ago

they deleted my comment here so this thread is not as informative as it could be (i guess im not the only one)

my take is
maybe some scared to be considered "dumb" or some just blindly follow the "Never lose money" wisdom,...just that unknown to them, they missed the BIGGER picture of that sentence

as there is opportunity cost and emotional toll of it too

Acquire Stashaway and sack Freddy, then take over his place.

This. High risk investments like this are not for the poor.

Rich people lose a few thousands still okay. Poor people wil open threads, or worse cannot eat for months.

Kek, up 5 points start celebrating... All for that long time investing mind set.

The next few days fluctuations still don't know. Even up back to 100 points don't know when SA help u exit.

Ya before ppl call me sour grape, I also dump a lump sum before the surge?

DCA more, sure? Long term in SA, nope.

down side you mourn

upside cannot have more positive vibes?

so need to feel sad even if it goes up too?

kecian.

honestly, why so insecure and need to announce that you dump a lump sump before the surge?