Beware as there’s RSX inside and be prepared KDI might even start buying 9nce the war is over

SHV is ishares short term us treasury bond

BWX is bloomberg us treasury bond most likely short to medium term

In fact the bond are solids so far

ROBO adavantages is rebalancing, reoptimizing and fractional shares

DIY is for long term hold one way and only cash out as a last resort

If robo can sell and rebuy the same day via float system that’s would be next level investing

YOU need to check list as there international from Ewz to rsx which is currently trending crash

If it in the list it means they are allocated it for portfolio management

Only thing is question on how they use the AI for the asset allocation

AI is to perform buy, sell, reopt, rebalancing and fractional purposes only

Not focusing on US market share but focusing on US exchange offering ETFs covering asset classes across the world

Which is why EWZ and RSX are in the list or pool

SA also stress test

Different style whereby SA it is fixed asset allocation whereby KDI dynamic asset allocation

While MyTheo is in between those 2

EWZ is Brazil ETF which is fine because is heavily dominated by commodities export

While RSX is currently a basket case thanks to Putin

Why KDI choose both in the pool it is because allocation to EM and commodities export driven while SA are oth are allocating via EWA and EWC

You should be worried instead if they allocating it to EWM and by the time you monitor the statements it is too late as they have allocated the buy order already

KDI it is more 100% on their FAME ML which you can questioned the manager who are doing the asset allocation without any disclosure upfront

This post has been edited by xander83: Mar 2 2022, 10:42 AM

KDI save is the bonus while invest just have to be careful because their asset allocation regime is not transparent enough unlike SA

Forget about SA this coming year

Gonna drop soon below at all time low anytime this year

SA is long gone once they intro KWEB into it

Even now 5years it is dismal for 36% SRI returns while taking a whole a lot of risk

A lot has lost now since KWEB gonna return all time anything me this year

KDI pool ETFs are far superior than SA because only rotate on SPDR for US sectors

KDI if they improve and list out the pool of ETFs like MyTheo then they will be strong contender

Only thing now they must offer multi portfolio

SA started with XLK before moving to KWEB during Covid to take advantage of China economy boom of that year

- [XLK] Global Technology: Exited May 2020 exercise. No holdings since then. They claimed that the whole sector is massively overpriced at that point in time in their webinars. It was less than 100 in May 2020, and its above 150 now. That’s a whopping 60% of potential gains totally missed out.

- [KWEB] China Technology: Entered May 2020 exercise, no change for this round of re-optimization. Yes, Stashaway chose KWEB over XLK. No surprise why new Stashaway consumers are sitting on losses, especially those that started since the start of this year who tanked through the 40% losses or this. Looking at the new wave of crackdown launched by China recently with no end in sight, I’m extremely alarmed this is still part of the portfolio.

Try’s comparing instead if the reopt doesn’t even happen those who are pioneers would be still green during that period because XLK would have Carrie day more gains than KWEB

If SA stick to their pioneer philosophy by rotating based on SPDR sectors and geographical it would have been green now still

If you seen the 5 years graph they displaying it is worrying that they might even cut loss at the next reopt with KWEB

I rather have SA buy into QQQ instead of XLK

KDI way better than Versa and Simple forget about those rates are proj3cted and not guaranteed

Check the pool of ETFs of KDI before you go ahead

For inflation hedging better off put in MyTheo

Yes opening approval only done on working day

Back end verification is only done for deposit and withdrawal when AI does all the allocation, buy, sell and rebalancing

Multi portfolio purposes

Sometimes you have to pay to gain

Unlike SA a lot paying fees yet still negative

WHether you in SA KDI or MyTheo irregardless markets up or down you still have to pay the fees

If you scared then by all means put your money in gold FD or MMF then

THat’s why you pay more for better quality workers otherwise how can you make money

Income portfolio you better off buying DIY as it would cheaper unless you are putting small amount because the returns are dismal compared to MMF rates

At the moment inflation hedge is running hot with DBB and DBO is ATH that’s why you need to be aware because YTD is at 5% gain so you need to slowly DCA on the dips

Downsides of kDI still no multi portfolios and switching

KDI invest still a gamble because everything stillness broken except their AI asset allocations

Very slow compared slow to MyTheo and SA

Just answer the questionnaire once the account is approve don’t it will have both save and invest

When deposit make sure you select the right tab

Anyway so long you don’t touch invest and don’t deposit more than rm250 at one time won’t go wrong deposit into save

DEFinitely those are sub 2%

No issue as long min rm100 in account otherwise full withdrawal then