DCA or one time deposit gain on your gain?

No wonder otherwise you gain another 3%

Should one blast then DCA when USD weakens hence will gain more

The problem with StashAway is that their FX execution might be slow hence gains will not be seen so need to plan and range bound FX on USD especially 36% risks

In valuation terms when USD FX weakens share will rally hence ETF as well

But for your scenario it all depends risk valuations as well as market makers purchasing power

Assuming ETF value USD100 per ETF units the value for the ETF is the same only the purchasing power by other currencies will be different due to daily FX rate

Unless you trade to high sensitive ETF like Invesco DB U.S. Dollar Index Bearish Fund (UDN) which was the best performing during March till May period the gains was enermous

Therefore which is why to understand StashAway it is easy especially on the 36% risk portfolio due to the ETF link by it

The only risks is the gain is not tally with the gains from FX gains hence which is why they will ask you to lock in to 3 to 5 year period

Did you DCA? Just wait for long term to ride it out because market always correct itself

Hence this is why is never DCA only time when to purchase and ride on it 👏

How about the reverse from Portfolio to Simple?

Put it and then only withdraw profit only when it is more than 25% return with right favourable exchange when USD dips big time for extra pocket money

But anything less than 10k don’t be itchy because US ETF take time 6x longer to reflect the profit based on the ETF constituency

Waiting for ARKK soon hopefully looking at buying at that during the dips

It’s available on google anytime if you just willing put in the time and search

Just look up on Bloomberg and CNBC news anytime

Their rebalancing now on gold which thank god I manage to dump last week rally in time and recharge my risk due and manage to gain an extra 0.5%

Waiting again after Feb to buy into the market again

Confirm it is the risk change because I timed on exactly on the last day of trading US Morning session hence the transaction only reflected yesterday morning on the change is or buy order for GLD completed on 31 Dec

Their algos is spot on for buy orders but also a bit slow to reflect the status about after the trading day close

Single portfolio because of rounding and FX charges with rebalancing done on 30 or 36 depending on the weekly market outlook

Also when accumulating in single portfolio the gains can be seen better

If you thinking of diversification you can try Akru, Mytheo and Wahed together and you can compare

Good bump as the breakout is coming soon on the 36%

Risk appetite is back soon after end of Jan because of bonds are not the great at the moment better off buying higher allocations to commodities and fixed income

GLD 20% it is for protection and insured against currency fluctuations due to USD and RM conversion hence it is a logical play by StashAway to protect your account

GLD was always and never has been use a hedge more for insured and protect against fluctuations and inflations in FX movements

If you worried just go try 30 and 36% then you will see the difference

RM10 is the minimum but however it will eat up your cents because of USD rounding conversion

Try to start with RM500 and then go aggressively once you comfortable with it

I believe because of money weighted due to currency conversion being buy on the orders being executed on past Monday or Tuesday which you can seen on the conversion rate 0.25

Don’t worry too much as it will rebalance once certain ETF gains which you will see MWR is higher than TWR then

With the kind of daily deposit you have loss another at least 3 to 6% gain on FX conversion

Better off put in Simple and then when FX rate is favourable one shot dump in

Mine this week only when deposit on Monday exactly FX rate at RM4 to 1 and already MWR is 5% to date with another at least 8 good weeks will double money for this year

MWR the power of timing and exchange and we need more good weeks like this week and more to come soon for us

Yes because DXY bounce back at 90 for awhile

Timing is subjective because of your risk appetite. Unit Trust better off not buying it because the charges bloody ridiculous when you can get better returns on ETF

RHB AI fund will be one off only for 2020 gains will be started slowing down soon

3months all depends on the market events and catalyst for growth very difficult to tell and it depend on your risk appetite

But if time deposit right when the FX rate is low in USD and right portfolio already can gain 5% on Money Weighted Average easily

With such big amount never look short term but on long term on consistent gains because you will need time to redeem when the USD strong then you will gain in terms of extra RMs

You win you lose some

Big Cap China will be in focus in the next 2quarters in StashAway KWEB gains should outperform the others

Btw does RHB Global AI fund is it a feeder or wholesale fund?

It depends on the bank clearance most likely Monday after 2pm will reflect the progress

The buy order will be executed on 6pm onwards but it depends on the robo recommended entry’s price will be reflected within next day or 2 depending on the market opening on a Monday and sometimes it might take awhile because of the risk and portfolio rebalancing if it’s a top up

If new portfolio will be much quicker

Keep an eye on FX rate on USD vs CNY because a weaker USD currently around 6.45 KWEB will grow more

Means that you are good disciplined but lazy to time the markets

TWR is good for passive investors who doesn’t want to put into work and just let their savings grow which I believe 90% of SA customer does

MWR is good for those who are willing to put in some effort into understanding and timing the market when to buy hence rotational gain because FX conversion deposits and buy order

There is no right or wrong or suck it is just that approaches are different

For me I prefer MWR because the liquidity of it and the timing of FX which I always look into weekly basis and current ETF prices before putting buy order

The only good thing with StashAway is the buy order will be calculate by them and the awesome spot rates at the moment