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Investment StashAway Malaysia, Multi-Region ETF at your fingertips!

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viktorherald
post Apr 18 2020, 06:27 PM

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Just asking, is it better to DCA monthly or weekly?

Personally for me im currently doing monthly, due to lump sump allocate to DCA, another to own forced savings etc
viktorherald
post Apr 18 2020, 06:52 PM

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So i guess it will be better to chop my monthly DCO to 4 times?

There is no additional transaction cost to this right?

Thanks for the answer notworthy.gif
viktorherald
post Jul 11 2020, 05:51 PM

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QUOTE(mt24 @ Jul 11 2020, 05:44 PM)
Is it too late to start invest in stashaway?
Got some extra cash dunno where to put

Or wahed still better rate?
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With people here advocating DCA (which is investing a consistent amount of money in set period of time) to Stashaway, then by definition, there is no "too late" time to start since money is continuously invested. If now is "too late", people would already stop DCA-ing.

With that being said, why not just create account first and get all the validation done? that way, when you are ready, you can just straight deposit money without jumping the hoops that may defer you away. I believe while creating account the robo will also advise you a portfolio based on your situations and wants.

And also, invest with a amount that is comfortable for you to test the waters i guess.
viktorherald
post Jul 21 2020, 10:31 PM

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QUOTE(gundamsp01 @ Jul 21 2020, 09:25 PM)
if i am not wrong, someone replied that he loss more than 30% from the point issue withdrawal order to the point he received the money
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Does the portfolio also experiencing ~30% drop of value at that period of time?

I guess the customer service will gladly explain such a huge drop of value..
viktorherald
post Jul 22 2020, 10:30 PM

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I also share my stats, both portfolio commences on 18 March 2020 till now

Portfolio 1 - 6.5% Risk Index, 66% of my DCA
MYR
- TWR +9.31%
- MWR +7.33%
USD
- TWR +11.70%
- MWR +10.30%

Total Return / Net Deposits (in MYR) = +6.26%

Portfolio 2 - 20% Risk Index, 33% of my DCA
MYR
- TWR +28.77%
- MWR +22.75%
USD
- TWR +31.55%
- MWR +26.38%

Total Return / Net Deposits (in MYR) = +14.39%

Summary
Total performance in TR / ND = +8.93%
In hindsight, I should have allocate more to 20% RI portfolio, but bring me i consider myself a moderate risk taker and that time experiencing the market downfall of COVID-19, this is what is it.

Maybe i will re-balance my portfolio to have a 3:2 net deposit ratio on portfolio 1 and 2

This post has been edited by viktorherald: Jul 22 2020, 10:32 PM
viktorherald
post Jul 27 2020, 08:45 PM

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QUOTE(majorarmstrong @ Jul 27 2020, 08:37 PM)
After this crazy bug or system glitch will you continue to invest with SAMY or will you switch out to other robo advisor?
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ill wait for post-mortem
viktorherald
post Jul 30 2020, 05:09 PM

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well quite a detail post-mortem, guess we can also learn a thing or two on the payment interface structure
viktorherald
post Aug 10 2020, 07:24 PM

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QUOTE(Mervin1234 @ Aug 10 2020, 06:33 PM)
need someone to calculate what is the interest percentage given, to check if its what stashaway simple mention 2.4% pa.
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can calculate how much you will earn if the deposit you put last a year

then divide it by 12 ~= ROUGHLY the amount per month is expected (very simplistic, havent compound, deposit time etc)
viktorherald
post Oct 14 2020, 09:56 AM

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QUOTE(majorarmstrong @ Oct 14 2020, 09:25 AM)
risk zero for me as withdrawn all
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cannot say risk is zero as one withdraw all i think

just a thought process, at the point of timetime of or before the withdrawal, the risk is more than zero for the person
and it blown up to a point to trigger full withdrawal for that guy due to cant stomach it
viktorherald
post Feb 26 2021, 08:39 AM

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hmm, i had a deposit in 23th for the CNY promotion, and the amount is displayed in the portfolio at 25th
However, i realize it went in the "Cash" portion of the portfolio

I think it means it is still not invested in some sense (the only thing count is i hold USD)
does anyone knows when the cash will be used to buy the required assets? notworthy.gif
viktorherald
post Feb 26 2021, 09:17 AM

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QUOTE(xander83 @ Feb 26 2021, 09:00 AM)
Baru pre sale next week only got signals whether to buy in

Bond yields gonna spike another round in the next 2 weeks  rclxms.gif
Don’t worry this sale will be on at least 2 weeks  rclxms.gif
Don’t worry too much because the money is still in trustee account

The buy order is in process now will likely to by Monday once the markets open
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looks like i buy in at the wrong timing sweat.gif
viktorherald
post Mar 6 2021, 04:49 PM

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QUOTE(pinksapphire @ Mar 6 2021, 04:40 PM)
I have not much experience in stocks, wouldn't venture into those for now, thanks for listing them down.

What I'm trying to approach by having different RIs is to diversify long term returns in case one of the RIs suddenly pooped by market, lol...macam more like back-up plans.

Example, 36% is more aggressive approach to go more on retirement financial freedom, 8% is for retirement emergencies. If that makes sense.
Not trying to game it cuz SA is supposed to alleviate my worries by not monitoring, sorta, lol

Don't know if this thinking is right, I welcome feedbacks.
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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)...
viktorherald
post Mar 23 2021, 08:30 AM

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QUOTE(blstz @ Mar 23 2021, 07:45 AM)
recently jumped on the bandwagon and started investing in SA
currently im investing in two portfolios, 30% and 22%
to me i treat 30% as sort of an equity portfolio, 22% as balanced

just some questions that i have because im new to SA/etfs, hope some members here can help to clarify  hmm.gif

1. is it better to invest more money into the 2 portfolios that i currently have or to have more portfolios (36%, 18%) to be more "diversified" and to cover more bases

2. is the asset allocation for my 30% the same as all other investors that are holding the 30% portfolio also?

3. if say i were to invest in 2 portfolios, 30% and 36%, would there be a big overlap in assets allocation for both this portfolios? for example both risk portfolios invest in IJR and XLV, is it just the difference in how much im buying into the etfs?

notworthy.gif
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There will be overlaps, and by investing in portfolio with multiple Risk Index, you are kinda "averaging down" the Risk Index
viktorherald
post Jun 1 2023, 11:21 AM

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Now StashAway is not as good as it's used to be? Had tried it out in the 2020 COVID era
viktorherald
post Oct 29 2025, 08:11 PM

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Retrying my fortune in Stashaway, withdraw all since 2021
viktorherald
post Oct 31 2025, 12:18 PM

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QUOTE(buffa @ Oct 31 2025, 11:58 AM)
May I know why go into Stashaway again? Why not use FSMOne diy RSP ETF?
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Actually I have footing in FSMOne but only in unit trust. How is your experience in the ETF side?
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