Between this and Stashaway, still too early to tell which is better yet right? But i see this has vanguard

Between this and Stashaway, still too early to tell which is better yet right? But i see this has vanguard

I'm investing into this because of their ETF offerings doesn't really overlap with SAMY.

I myself think that selection on MT is abit "inferior" to SA esp on its hedge fund.

I till now still don't understand why you need hedge fund when you have bond fund. and commodities can dip any time no matter market up or down.

I haven't invested on this, those who invested with MT, is the ETF follow fully or just selected from few?

Excuse me, MT got hedge fund?

Which one is the hedge fund?

Excuse me, MT got hedge fund?

Which one is the hedge fund?

how much did u put ? seems alot

MYR 2k only.

wow, imho i think if u spread the amount to few chunks would be better?

I'll do more top up when market condition tends to be weak.

that's the idea, dont want to put so much now.

Their ETF choice seems interesting.. might be trying out and see how it fares compared to SA

please do a Jompay payment feature. haha.

Why JomPay when FPX is so much easier?
Both require you to sign into your banks IB.

for huge transfer yes. but i prefer a weekly RSP  lazy open and transfer

pagi2 bangun seeing msg "scheduled jompay on XXX" makes me 

Then what you need is auto debit feature like SAMY?

yup. haha. 7.00am transfer, by 5.00pm "we have received your funds"

my FSM RSP auto debit takes about 5 days ka. adeh. haha. x syok la seeing your funds deducted but still floating. 

From my comparison, if you use JomPay on SAMY, the money isn't show up in your account instantly.
But if you use FPX on MT, it shows instantly.
Correct my if I'm wrong ...

I can't seem to receive SMS OTP when I try to register with Maxis number, anyone facing the same issue?

not sure if they r having any issue.. but

1. their website on desktop is very very slow
2. i manage to get SMS OTP, but i did not receive email notification to verify my email.

not sure if they r having any issue.. but

1. their website on desktop is very very slow
2. i manage to get SMS OTP, but i did not receive email notification to verify my email.

I tried both web and app to register, but I am still unable to receive any SMS OTP even after resent for 3 times on both web and app registration

Regarding the email notification for email , thereseems to be a problem when i sign up yesterday. Email them but nothing much they can do.

However, i got the link this morning when i resend the validation code. so maybe wait a day?

probably need to wait. mayb system issue
ya. forgot to giv details. i was trying to verify my email yesterday evening.. despite keep clicking send verification email. i get nth. early morning today tried again. it works. but i did not receive a single email from yesterday.

now my utility bill is rejected. CS chat no respond. LOL 

Just got my account opened and deposit acknowledged.. now waiting to see what did they invest into..

Why wanna wait? Its aldy listed in their faq

They buy all or selected from the list for that particular portfolios?

Excuse me, MT got hedge fund?

Which one is the hedge fund?

They buy all, only the percentage is different. Thats what i noticed from my portfolio.

Bro since yours is 100% growth, do u see buy order for other 2 categories?

No

Income:
INVESTCO SENIOR LOAN (BKLN)
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND (EMLC)
ISHARES FLOATING RATE BONDS (FLOT)
ISHARES IBOXX HIGH YIELD CORPS (HYG)
ISHARES 3-7 YEAR TREASURY BONDS (IEI)
ISHARES SHORT-TERM CORPORATE (IGSB)
ISHARES IBOXX INVESTMENT GRADE (LQD)
ISHARES MBS (MBB)
ISHARES US PREFERRED STOCK (PFF)
SPDR BARCLAYS SHORT-TERM HIGH YIELD (SJNK)
SPDR BLACKSTONE/GSO SENIOR LOAN (SRLN)

Hedge:
NVESCO DB AGRICULTURE F (DBA)
INVESCO DB BASE METALS F (DBB)
INVESCO DB OIL FUND (DBO)
ISHARES GOLD TRUST (IAU)
ISHARES GLOBAL INFRASTRUCTUR (IGF)
ISHARES US REAL ESTATE ETF (IYR)
ISHARES MORTGAGE REAL ESTATE (REM)
SPDR DJ INTERNATIONAL REAL E (RWX)
ISHARES TIPS BOND ETF (TIP)

Growth:
WISDOMTREE INDIA EARNINGS (EPI)
ISHARES MSCI CANADA (EWC)
ISHARES MSCI HONG KONG (EWH)
ISHARES MSCI JAPAN (EWJ)
ISHARES MSCI SINGAPORE (EWS)
ISHARES MSCI UNITED KINGDOM (EWU)
ISHARES MSCI FRONTIER 100 (FM)
ISHARES RUSSELL MID-CAP VALUE (IWS)
VANGUARD VALUE (VTV)

Can i say your money is invested 100% on growth on all etf in the listing?

Diff from SA then. SA got select. Some risk don't have XLK some have. If like that I think selection of etf SA better.

Yes.

USD 483.09 in ETF
USD 1.40 in CASH

I have SA account i know how it works

Atleast we are not putting money on the same etf on both platforms

They buy all, only the percentage is different. Thats what i noticed from my portfolio.

Oh i didn't know that they will buy all from the list.. i thought like SA they just buying some of those.. anyhow still all cash in my account, wonder how fast their buying orders are, is it faster or slower than SA..

Definitely faster

The UI needs improves further.
Another pie chart like SAMY whereby shows a breakdown in term of % that particular ETF constitutes to your portfolio.

Yeah btw the projection chart got cut off abit on the bottom part, same with yours?

What's the advantage of MT? More/different ETFs? For growth portfolios, SA is much more heavy to US equities. Is MT more balanced?

This is their offerings for Growth:

Growth:
WISDOMTREE INDIA EARNINGS (EPI)
ISHARES MSCI CANADA (EWC)
ISHARES MSCI HONG KONG (EWH)
ISHARES MSCI JAPAN (EWJ)
ISHARES MSCI SINGAPORE (EWS)
ISHARES MSCI UNITED KINGDOM (EWU)
ISHARES MSCI FRONTIER 100 (FM)
ISHARES RUSSELL MID-CAP VALUE (IWS)
VANGUARD VALUE (VTV)

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.

Unable to make full withdrawal, anyone have same issue as myself?

There is a min bal u need to maintain, usd 25

Didn’t notice about that,

There is a min bal u need to maintain, usd 25

Oh damn, if put rm1000, thats almost 10% locked up

Go read the entire faq again

There is no maximum limit for the deposit. Similarly, there is no limit for withdrawal, but the investors must retain a minimum amount of USD25 to keep the account active. At any one time, only a single withdrawal is allowed. The next withdrawal can only be done after the first is cleared.

Oh , its okay i guess as long as you can withdraw your balance until RM 0

This is the best that I could get

Wow, didn't notice this USD 25 holding fee to keep the account active.