Means that you are good disciplined but lazy to time the markets

TWR is good for passive investors who doesn’t want to put into work and just let their savings grow which I believe 90% of SA customer does

MWR is good for those who are willing to put in some effort into understanding and timing the market when to buy hence rotational gain because FX conversion deposits and buy order

There is no right or wrong or suck it is just that approaches are different

For me I prefer MWR because the liquidity of it and the timing of FX which I always look into weekly basis and current ETF prices before putting buy order

The only good thing with StashAway is the buy order will be calculate by them and the awesome spot rates at the moment 

No one can answer this for you; you just have to decide what you believe the trend will be in the coming days. If USD weakens 5% relative to MYR and the ETFs increases 5% due to positive investor sentiment, the effects cancel out. If you are not comfortable committing a large sum of money in one transaction, you can always DCA first until you make a decision.

Depends on your amount, risk appetite, ROI, monetary needs and time horizon gain

For myself anything on FX conversion rate of RM4 to 1 is a bargain at the moment for Q1 as the barrier for to go lower for RM it is difficult to go lower than that in the next 6 months as currently on range bound between RM4.01 to RM4.05 which to people DCA small amounts will not notice much difference because of the rounding with FX spot rate

This only will works for those are investing 30 to 36% because of the higher exposure to equities and not for those on lower risks appetite

If anyone last week Monday and Tuesday invested lump sum will have already gain an extra 1.1% gain for YTD due higher buy order units due to lower conversion rate 

Remember a time when this forum was like krikkk krikkk to the sound of crickets....one day zero post also got. Now market up, suddenly day traders also appear out of nowhere.

DCA is just a nicer way of saying pump in to cover your shortfalls in the long run

Both will lead to the same goals just that how bumpy the ride is

Today last day seems SA on 36 will only gain 1.5% for the month as the correction is still happening

To those who took their gains last week congrats 6% and next month time to buy in the dips soon 

Just wait because the broader markets still volatile and the correction is just starting

If you plan to put just put on 6.5% and then crank it up to 36%

Otherwise just put in a bit about few hundreds then monitor the market

This week past 3 days already wipe out all the gains currently below 1% for SA which is about right value

If you have Wahed it is even worse

i dimt understand why a drop of 1-2% makes ppl got scared..in fact when markets are diwn, u should load up more..by end of this year u will be able to reap the benefits

if u believe u can time the market well, just wait the dip n lump sum in, follow with DCA.

if u less confident, just start the DCA , no need to wait because when market start volatile, every day is the best day to dca....

ur choice, no regret after this....

For you since flexible you can have it both ways whether lump sum or DCA

My suggestion if since you have a base throw the big base after Feb10 and then monitor every quarter to DCA i can be almost sure by year end will be easily 9% gain for the year

I am also waiting as well because I already made my gain 3 weeks this year waiting right timing to enter

But make sure deposit on Monday morning preferably before 10am in order for faster execution to buy order on Monday

Just be patient because market now hit with short squeeze saga which causes a lot of volatility which will play down by the next 2 weeks

Currently on 36% just monitor the KWEB and IJR because the correction are in place after those 2 have hit their all time high

Anything you can ask us the friendly bunch here or can pm me anytime :thumbsup:

You made me Google rekt. Yes, I am an uncle.

It is not immediate. It will take 3-4 days

Transfer straight to Investing could be faster.

Simple to Investing will take a week to reflect because of the settlement, conversion and buy order which takes time execute unless you want to time the market in weekly basis which is hard when on bullish run

If you want quick direct debit fastest within the same day on Monday morning before 10am with the exception of public holiday in Malaysia so that it can execute order on Monday in US markets

The reason why it takes because they have to sell your money market units in Malaysia which takes 3 days, conversion is quick and buy order will be reflected the next day depending on market price buy order execution

Tomorrow will be interesting for KWEB and IJR in terms on catalyst whether to see the trend will reversing or not 

Set a weekly/monthly amount that you are comfortable putting (without worrying if the price dips a bit and there is a unrealised loss) and hold for at least 1-3 years and you're set.

SAMY is supposed to be deposit and forget it.

We here just itchy follow the stock price daily cuz nothing else to do LOL

because the US market is at all time high now.

so now the market is heading for a correction, which leads to some drop and hence the sales.

so many here say is a good time to invest more, well, this is not wrong at all.

the idea of having a DCA plan is also partly to ignore all the noises from the market, just keep calm and keep DCA-ing and stick with your plan.

forget about the investment that you have put in, visit after 3 years, you should see your money grow.

but the problem is the convenience we're getting now, just a fingertip and we can access to it.

Yes it will take time. First the they will have to convert your money to USD, which is what you see now parked in cash. Then they have to execute the buy order, which will take place when the market opens in the US. So most of the time usually you can see money already in but no holdings yet in the morning, then the following day can see the execution of the buy order and your cash will be deducted. I believe the ETFs have no liquidity issues, so almost 100% of the time it will buy the ETFs once US markets are open.

i did not expect gld weightage to be so high. i skip 36% RI because i wanted to skip Real estate ETF. Seems like higher percentage of GLD is SA strategy

I think its best to have multiple portfolio at different risk levels. I have 3 and they are between 16% to 36%. It's always good to spread your risk tolerance.

ok. reporting back. my account AND deposit was pending on "processing" for a week or so. Contacted support through whatsapp and they verified my account. Now awaiting 2-3 days for deposit to go through. Thanks for the suggestions here!

With 36 30 and 26 it is waste of time and you stick with of it and pick another diversify at 20 for more stability because most of your holdings are overlapping to KWEB and IJR at the moment

36 30 and 26 have too many overlap in types of asset class to call it "diverse", all three have large exposure to equities based ETFs. SA doesn't actually have many ETFs they pick from, only different % of weight depending on SRI.

Would advise to chose a lower SRI portfolio like 20% or 18% which has less equities and more bonds.

Currently I have an 16% and a 36% portfolio, and like right now when equities took nosedive, can see that 16% still holding steady despite 36% swimming in red sea 🤣 so in the event I suddenly needed money, 16% won't hurt me terribly if I redeem some now.

Or be like me, auto recurring debit RM20 everyday, the gila way. 

it's going to be red for some time... i got about rm300+ wiped from my profits on SAMY also

Using StashAway means you give up controlling what is present in your portfolio. If you try to game the system by having different risk indexes, instead of actually setting goals like "retirement", "car" etc, I suggest you to use US stock brokers like Tiger, IBKR, TD Ameritrade and DIY instead.

Constantly gaming stashaway when you know what you want, you will be unhappy in long run.

Do you have a portfolio of investments  which includes other investments besides SA? An 8% SA still have volatility and not for emergency funds. Maybe money market funds or savings account for emergencies?

if the 8% risk have some asset allocation that is same as 36%, can be thought as "averaging down" the risk index of your overall portfolio to say, 26% ? (example made up number, but the idea is that)...