Saw that but what's the % allocation like within Growth? I have a 80% growth portfolio on SA, 45% ends up in US equities. 15% Asia ex-Japan.

Finally the thread dis open!

I put small small amount only first.

However, MyTheo cant add new portfolio though. And MT, if you hear me, PLEASE add "Preferred Name" feature.

| ISHARES MSCI JAPAN (EWJ) | 19.20% |

Morningstar Research
This fund is not the best vehicle for investors seeking passive exposure to the Japanese large-cap equity market. An unreasonably high management fee and the availability of peers that track broader and more representative indexes such as the...

Income:
ISHARES IBOXX INVESTMENT GRADE (LQD)

Hedge:
ISHARES TIPS BOND ETF (TIP)

Growth:
ISHARES MSCI JAPAN (EWJ)
  ONLY 3 funds same with SAMY.  should be okay.

Just checked one:
Sounds not so good:
If want to read full report need to pay 

I don't have any of these in my 36% risk SAMY portfolio

For those who are curious of the asset allocation for Growth profile:

WISDOMTREE INDIA EARNINGS (EPI)	4.24%
ISHARES MSCI CANADA (EWC)	7.15%
ISHARES MSCI HONG KONG (EWH)	7.05%
ISHARES MSCI JAPAN (EWJ)	19.20%
ISHARES MSCI SINGAPORE (EWS)	4.97%
ISHARES MSCI UNITED KINGDOM (EWU)	19.88%
ISHARES MSCI FRONTIER 100 (FM)	5.40%
ISHARES RUSSELL MID-CAP VALUE (IWS)	20.09%
VANGUARD VALUE (VTV)	14.54%

*estimation only based on NAV VTD

These can be found in lowest risk 6.5% I think.

Hello all,
wow Ive been readng from the first post until here,trying to understand what is being said/posted - all quitte technical
i'm a  noob with not so much capital,but Id liketo grow my capital so that in the near future I cann invest in stocks on Bursa. I think until Im more well versed in investing, I'd like to put my money ina robo-advisor.
Is myTHEO recommended or StashAway (its d SA mentoned in the thread rite)?

So in Stashaway, Japan & EU are used in low risk portfolio, but here they go heavy on them for high risk port?

Maybe will try it out once I have some initial capital. But 1% + using more expensive ETFs... this robo is almost as expensive as typical mutual funds.

SA for 36% risk is rather US heavy.

It isn't
Most of the top holdings in SA are MNC expect the small cap and reit holdings for the high risk holders
If the world and US are doing well then ultimately those companies do well

Would you rather that then take country and currency exchange risk like South Korea where Samsung just announced a plunge in profits.

This is the EWU vs EWJ vs SPY with dividend reinvested


For anyone interested here is a simple back test of the assets
Port 1 is MyTheo, Port 2 is Stashaway and Port 3 is All country world index ETF
Allocations will be slightly off but should give everyone the general idea
Dividends are reinvested and port is rebalanced quarterly

Asset Allocation


Performance


Annual Returns

Hmmm. Based on the graph, SA>MT

Just checked one:
Sounds not so good:
If want to read full report need to pay 

Role in Portfolio

This fund is not the best vehicle for investors seeking passive exposure to the Japanese large-cap equity market. An unreasonably high management fee and the availability of peers that track broader and more representative indexes such as the MSCI Japan IMI and Topix means we cannot award this fund a positive rating.

The market-cap-weighted MSCI Japan Index tracks the performance of around 320 large- and mid-cap Japanese companies, which represent around 85% of the total market value. With an ongoing charge of 0.59%, the fund is one of the most expensive exchange-traded funds tracking Japanese equities and much pricier than other ETFs tracking the very same index (for example, the HSBC MSCI Japan ETF with an ongoing charge of 0.19%).

There are also numerous funds that track broader and more representative indexes such as MSCI Japan IMI and FTSE Japan for a lower fee. The excessively high management fee has seen the fund shrink in a market in which rivals have gathered assets.

Fund performance has been uninspiring, having matched or slightly edged out surviving category peers on a risk-adjusted basis over three, five, and 10 years.

The annual tracking difference (fund return less index return) has hovered around the ongoing charge over the past three years. This suggests that the fund has tracked its benchmark tightly (gross of fees). Net of fees, however, the fund has unsurprisingly been one of the worst-performing MSCI Japan trackers.

Investors in all foreign markets should be aware of the potential impact that currency movements can have on returns. For example, a UK investor in the Japanese equity markets is exposed to both the returns on the underlying market and the fluctuations in the pound/yen exchange rate. Although the fund offers broad and representative market exposure, several broader and more representative passive offerings exist.

The fund also charges an indefensibly high fee, which has helped make it one of the worst performing MSCI trackers over recent years. For these reasons, we have awarded this fund a Morningstar Analyst Rating of Neutral.