Roboadvisor: Stashaway vs Smartly Performance

[duhduhduh]

Why pay them extra money (in the form of management fees) to invest in ETFs?

You can invest in ETFs yourself.

I hold the same view too, maybe I am just too old-fashion minded. But I thought that these Robo-Investors are just additional middlemen, but helping you with managing your portfolio.

But question, when the robo AI help you to enter in and out of the funds they have on their platform, fees are included as well right?

 

[crystalnox]

I hold the same view too, maybe I am just too old-fashion minded. But I thought that these Robo-Investors are just additional middlemen, but helping you with managing your portfolio.

But question, when the robo AI help you to enter in and out of the funds they have on their platform, fees are included as well right?

Yup, still have to foot the ETF fees. https://www.stashaway.sg/r/stashaways-etf-selection

I prefer and enjoy managing my own portfolio myself too, but I guess the majority out there aren't interested. Robo-investors allow them to automate investing at lower costs with set risk targets, which beats approaching a "financial advisor" and getting pushed to buy expensive mutual funds that generally under perform the market.

 

[blurpandasg2014]

Seems like smartly outperforming stash.

Still under water. Thanks for the info

Actually this comparison is not so apple to apple...

Based on the allocation, smartly portfolio 10 is more equivalent to stashaway portfolio 24-28.

The current portfolio that I am on is portfolio 36 which is the most risky in the lot. Since smartly do not have such super risky portfolio like stashaway, the best I can put is smartly portfolio 10 in this comparison

 

[halocast]

Actually this comparison is not so apple to apple...

Based on the allocation, smartly portfolio 10 is more equivalent to stashaway portfolio 24-28.

The current portfolio that I am on is portfolio 36 which is the most risky in the lot. Since smartly do not have such super risky portfolio like stashaway, the best I can put is smartly portfolio 10 in this comparison

If smartly portfolio 10 is more equivalent to stashaway portfolio 24-28.

Than why not use it? So u get a better comparison? Curious.

 

[blurpandasg2014]

If smartly portfolio 10 is more equivalent to stashaway portfolio 24-28.

Than why not use it? So u get a better comparison? Curious.

Actually, there are 3 parts to this experiment

Part 1

I compared a balance portfolio of smartly (5/10)vs stashaway (16) and stashaway proved more superior

Part 2

I did a comparison of stashaway 28 vs smartly (10/10) and showed that for similar allocation, stashaway almost always performed better

Part 3

Currently, the portfolio is comparing how a portfolio heavily weighted on equity would perform vs smartly (10/10) which is actually a 70/30 portfolio

 

[blurpandasg2014]

Has the table finally turned?
Stashaway currently in the lead

Happy CNY. HUAT AH

 

[assiak71]

What is the expected xirr in sgd over the long term? Got 5%?

 

[halocast]

seems like stashaway finally in the lead?

and you seem to be closer to your invested sum already.

 

[blurpandasg2014]

seems like stashaway finally in the lead?

and you seem to be closer to your invested sum already.

Yup. Hopefully soon back to positive range

 

[blurpandasg2014]

Finally Stashaway broke even

 

[blurpandasg2014]

Finally both portfolios have broke even

 

[satomoto]

It's not performance related but maybe something to think about.

StashAway and AutoWealth are MAS licensed, Smartly is not (I think they are piggybacking the license with another company).

AutoWealth's custodianship with Saxo is under the investor's name - which means that if the **** hits the fan, we can claim it from Saxo directly.

Please don't take my word for it as I've only research them but have yet to put money, though I plan to.

 

[halocast]

It's not performance related but maybe something to think about.

StashAway and AutoWealth are MAS licensed, Smartly is not (I think they are piggybacking the license with another company).

AutoWealth's custodianship with Saxo is under the investor's name - which means that if the **** hits the fan, we can claim it from Saxo directly.

Please don't take my word for it as I've only research them but have yet to put money, though I plan to.

Stashaway is not?

From their web

A Custodian Account via Saxo Capital Markets for your securities
A DBS Trust Account for when we first receive your deposits

"Even in a bankruptcy event, funds held in a trust or custodian account cannot be touched, as they belong to the customer – not to StashAway."

 

[halocast]

Finally both portfolios have broke even

wha.. finally both are in green

 

[assiak71]

So will you use srs to invest with stashaway?

 

[blurpandasg2014]

So will you use srs to invest with stashaway?

I won't invest it as a lump sum but rather as RSP in a balanced portfolio

 

[assiak71]

https://www.bogleheads.org/forum/viewtopic.php?f=10&t=272759
[Fidelity and Schwab Expand Commission Free ETF list]

Saw this. Cant remember the nick who invested with charles schwab sg. Does the above link apply?

Which etfs do you recommend for the sg layman?

 

[xbkhoo]

this few days drop until 96

 

[blurpandasg2014]

Sorry for the lack of updating. Just updated. TGIF

 

[tipsyhs]

So is it more advisable to invest with a balanced portfolio or an aggressive portfolio? (For both platform)