That won't reflect your true portfolio performance from investing perspective.

troublesome and not practical for me especially for credit card spending. Most of the time not in Msia and dont want to use Msia credit card in overseas to avoid ridiculous exchange loss. 

foreign country credit card. why?

If you have direct access to ETFs in USA via a brokerage, would you still go with StashAway?

I been putting in lump sum in xxxx and withdraw daily in small amounts of less than RM1 when the MYRUSD price alert trigger on my dashboard

You're already making a losing argument by comparing it with others instead of letting the market leader stand on their own merits, after blowing their own horn. After years of leading the market and burning through tens millions in startup funding, they still failed to capture a significant chunk of retail investors' money. If this is the level of their success after 4 years of existence then I can see why Smartly (one of the top 3 robos in the region not too long ago) shut down. Assuming everyone pays the highest rate of 0.8%, as an simple example, they only make roughly $8 million per year in revenue. This is with over a hundred employees earning relatively high wages in USD/SGD.

This whole week has been a disaster ... a 5% drop for my portfolio. When can we expect things to get better?

How is SA actually managing this small of an amount though?
Take manual investing for instance, RM20 (approx 5 USD) is too small to effectively buy anything except fractional shares, and that's still gonna incur hefty commission fees...

Do you mind sharing a snippet of how the transactions look like? Thank you!

Oh that explains it.... but surely there will be a difference daily, which they'll have to then trade externally, which translates to fees. Wondering if that frequency depends on reaching a certain threshold (hence holding off a day or two until they reach a certain amount needed to trade externally) or 100% daily without fail...

I am wondering whether the 0.2% expense ratio already included in the annual fee or the total feel we pay is 0.8% (annual fee) + 0.2% (ETF expense ratio)

This is penny wise pound foolish. You should ask yourself whether your DIY can perform better than SAMY? If SAMY can give 10% returns at 1% cost but your own DIY only 5% return at 0.001% cost, which is better?

Hence sideway market may not have much impact on our investment.

i all in stashaway.    just get a credit card with high credit limit and medical card you should be good. nowadays unlikely need huge amount of cash suddenly unless got people kena kidnapped need ransom or relatives want to borrow money from you.

I see. Thank you.

However, despite entering the lowest SRI, it's still showing 5 years of loss prior to any gains. As shown below.

Is the whole Stashaway investment considered as high risk in general? I understand that it's higher risk compared to MMF etc, but despite sliding from 6.5% - 36%, it still projects roughly 5 years of loss.

I understand these are projections, but would like to understand what or why.

First year anniversary using SA.

Looks good, mind sharing what RSI are you investing?

Depends on the market value when the sell order is executed it might be higher or lower on the the day when the sell order is executed
Like I said go check this week rate and you will know because you are investing small sum hence you are not exposed for conversion losses
Yes this after deducting 1% in cash and the missing 0.5% is because forex conversion on the volatility of exchange rate

If you check on your MYR and USD and you will realise the difference in the % of the performance which accounts for it as the range will be 0.12 to 0.5% on depending on the time horizon