Hi I can't speak much about Wahed, as I just started a few weeks ago, and until now my money is still not invested.

SA generally has better more ETFs under their belt, hence making it also better IMO.

The last re-optimization, SA notify us on the platform itself. Whether it is positive or negative really depends on how long you have been invested with them. Current it is too soon to say if its was a good decision or not. The only way to really tell is to benchmark prior ETFs that SA invested in, and compare it to ETFs that they are investing now, maybe after a year? Providing they do not re-optimized again haha!

I'm cashing out my 36% portfolio, and dumping the money into something else...
Don't really like the 25% RMB and 20% Gold after the re-op.

respect! like you, I'm still fuming over the reallocation to China & Gold.

but unlike you, i'm still yelling to the moon, dun dare to take action.

because of this reallocation, i'm looking into investing directly into the US ETF of my choice but my head almost meletup trying to find the right broker.

SA look promising and attractive
…until they decided to invest into China in 2020. Seriously?

Nope. China has potential to recover fast as they exit Covid earlier. While i think US is going recession & the way the administration work dont look great and disappointed.

Suggest forget timing with stashaway. The basket of funds in every portfolio makes it hard to get best effect anyway. Even if you manage to time with FSM, the money actually just reach the hands of fund managers in time not get invested in time also....

For timing just go direct to etf or the counter you want...IMHO. these instruments just are the wrong tools.