thanks for the info...
based on past records seems like XLE is on ATH now...

wishful thinking hopefully SA will increase their current 3.5% interest rate to 4% and above... 

yes... and I thought after covid MCO period price will be better... 
they already increase 1 round dy, now my housing loan interest is 4.1% 
need to park somewhere closer or higher than 4.1%

my bad... typo on the 3.5%...
i already placed some in KDI at 3.5%...

for Versa is there a quota on the 4%?
if i'm not mistaken i read they cap at a certain limit...

Again? Hopefully its not a repeat of last time.

No notification on apps or email, but already selling.. sighs, at -27% loss. Incoming re-opt again!

i setup a flexi portfolio with exact same portfolio as classic 36% since June. only have RM100, just so that i can track if big or small amt has difference in performance.

no sell orders there (although it means SA has put an end to my experiment).

unless you are investing in ESG or thematic, I suggest you just accept the reopt or just create a flexible portfolio with the same allocation and move everything there

this ISAC, seems like it only invest-able through the VAR 36%? it's not in the flexible portfolio

Yet another thing Stashaway have walked back on. Glad common sense finally got to them.

Their previous opinion on UCITS vs US-listed ETF: https://www.stashaway.sg/r/etf-taxes-return...tracking-errors

If they still believed in it, they would've used VT instead of ISAC (which is the iShares version of VWRA, which is Vanguard's watered down UCITS version of it's US-listed ETF VT).

Wonder if they will pass on the savings from using accumulating funds back to investors in the form of lower management fees? Or they will pocket it senyap senyap?

When the lost finally -10%, suddenly become -20% again... What happened to SA.

Hi guys.

Was thinking of create a small high risk high reward flexible portfolio for my overall portfolio. What do you guys recommend. Was considering to add a few high risk high reward type ETFs like Nasdaq qqq etc. any ideas what ETFs would be good and what sort of allocation for each?

SAMY not getting it right anyway.

That is true. I suppose what I was referring to are high quality but volatile equity ETFs as opposed to questionable ones or trendy ones that can very likely go to zero and stay there. Know what I mean?
Well that may be so. However I’d only be putting in small amounts here monthly. Like less than 100. For the time being at least. When I get better pay I’d increase it accordingly. Also I’m not quite able to invest via any exchange I want due to my job. The one I can’t invest through is kinda pricey for foreign investments. 0.8% pa seems to be the lesser of the evils at this point. Plus for me I do get value through sa mainly thorough their rebalancing, sorting out the paper work such as making claims for some portion of the withheld tax amounts taken from the dividends issued, getting access to fractional shares via an sc regulated platform. Just to name a few.
Wow that is risky indeed. I think the random policy changes make them unjustifiably risky tho. It’s something that we have almost no certainty would return to a favourable state from an investor’s perspective, let alone a foreign investor. Whereas if it were merely market volatility due to economic factors I’d find that to be better risk to reward, given the expected possible returns that is.

Do you feel these would do better than something like the nasdaq 100 or a us small cap etf over a period of 10 years or so tho? What’s your take on this?

Unless a miracle happens tomorrow. S&P 500 had declined 20% compared to 2021. Nasdaq is down 34%.  DJI 9%.

u'd be a genius investor if you made it out this year with positive gains on your own. well those who invested in FD entirely are also the smartest ones

we are talking about ETFs and markets in general. can't compare with individual stocks

that's not what stashy did... lest we forget

maybe Stashaway’s selling caused the dip dip

Haiz, nasi dah jadi tahi, what to do

My StashAway (SRI36) FIRE FUND has dipped y-o-y but this is in tandem with the year 2022 that has not been kind to most investors overall. Perhaps my expectations for StashAway to do better has been ill-placed as I expected at least +8% CAGR at the beginning of 2022 rather than -11% y-o-y losses for 2022. Still I am a firm believer that time in the market >> timing the market. Let's hope that StashAway (& the global markets) will in better in 2023 and beyond despite a looming recession underway.
<a href='https://pictr.com/images/2023/01/06/EiZkHg.md.jpg' target='_blank'>https://pictr.com/images/2023/01/06/EiZkHg.md.jpg </a>

KWEB is going back up since China open. Maybe can put in some Stashaway now. I am glad I have exited earlier when things starting to go south.

Stashaway ETFs are similar to unit trust funds managed by fund managers. Prior to 2022, the world has 10 years of low interest rates environment where there are free flow of cheap monies. The back testing done is useless because no funds / ETFs had ever gone through high interest rates/inflations. 10 years later, almost all countries are highly indebted and with US stop printing its currency and raising interest rates to tame inflation, other countries have no choice but to follow. My question is which fund managers perform when inflation is high? NONE. What more past records are not indicative of future performance. In addition, with high inflation resulting in higher costs, rising borrowings resulted in higher interest expenses, which company's profit will increase? That's why you keep reading news on companies downsizing or reducing staff to cut costs. Unless you short the market for 2022, you will be having unrealised losses as well.

does any one still have hope in stash away? any one stil profiting well?

i did for 3 years, dca-ed regularly, nothing worked out and i gave it all up

Am a firm believer that time in the market >> timing the market.

Y2022 was definitely painful on my StashAway portfolio as I saw NAV diminish Y-o-Y though am still slightly up overall. Still, can't say I am not disappointed with StashAway's ERAA (with reference to their backtested 2008 scenario) which claimed double digit returns (11.4%) vs S&P500 with negative returns (-23.2%). I suppose shall give them another 3 years to live up to their claims.

(ref.: Google StashAway: 2008 Backtest)

Took some time off from investing
Just started to invest not long ago

need DJI to go back to 36000 then profit d