Technically yes. It all depends on you !

which risk level are u on?

yep technically yes, but not much person can wait that long.

Even EPF people also trying different way to withdraw 

Not at all. Risk index is up to you, nothing to do with finance knowledge.

It’s better to take on risk you can handle than risk you capitulating entire portfolio later, that’s even worse.

All this apps exist to make life simpler for people which not much finance knowledge! Just go through their FAQ and if still dont understand, can always ask here or their customer service

I think if you don't sell...only paper loss....
unless you need to generate profits to pay for the "loan" taken to buy into the game

That means all the assets you own will be $0...

That’s doomsday scenario. Learn how to hunt, harvest, cook, and live in caves.

K if the 1Y TWR loss really breaks stashaway’s risk level, your life is already fucked up outside of your investment.

Think of world wars, civil unrest, basically life can’t go on as usual. Maybe not that bad lah.

What you asked was if total return lose more than ur deposits, meaning your entire portfolio $0 ady, thats end of the world.

In the grand skim of things, March downturn was just a 'blip' in history. If there is any lesson to learn in 2020 is that DCA still works. And will continue to work in 2021 and dare I say in the future.

Never listen to people who does not have your financial well-being in mind like a CFLi** person lol. What do you guys think?