Roboadvisor: Stashaway vs Syfe

[s0crates]

Thought the whole point is just to leave it to the robo... Why so many people managing their robo so actively?

Not worries overmanaging make them lose money?

 

[assiak71]

You do this right after market tanks.... Omg buy bonds at high price sell stocks at low prices. wtf are you doing man.

Yes it is better to do nothing.

 

[Gametaku]

You do this right after market tanks.... Omg buy bonds at high price sell stocks at low prices. wtf are you doing man.

Yea he shldnt be doing that. What he is doing is like incurring double loss. Should just do nothing at all or sell it all away to cut the loss.

 

[smoothtalker]

Wonder why is Syfe underperforming even after rebalancing in Feb. Stashaway 30 is constant at about 92/8. Syfe is about 70/30 now.

From a superficial angle Syfe underperforming after rebalancing like weird uh... shouldn’t bonds have lower risk contribution? leading to smaller losses. maybe someone should enquire with Syfe.

I also noticed Stashaway portfolio holds about 8 ETFs only, with clear tilts towards certain sectors such as healthcare, tech, consumer's. Syfe holds like 20 etf? I wonder why too.. cause it looks kinda amateurish like you know year 1/2 finance class you throw in dependent variables and the optimisation software vomit out the efficient frontier. Then just anyhow 60/40 80/20. Not saying is true here but I’m just wondering..

Maybe also due to Stashaway CIO being economist background while Syfe is like risk manager.

 

[benlzy]

Am using syfe 15%, currently at -4% so I guess its doing well. Still happy with the outcome (so far).

 

[RMCWMR]

From their website



Therefore it is not at any instant it does not go below your downside risk. You have misunderstood.

That's what i meant when i say "got put downside risk = never put". No difference. Your portfolio could be losing 14% on a 5% downside risk for 11 out of the 12 months in a year and the 1 lucky month you lose 2% and they will still throw this statement in your face, no?

 

[Gametaku]

That's what i meant when i say "got put downside risk = never put". No difference. Your portfolio could be losing 14% on a 5% downside risk for 11 out of the 12 months in a year and the 1 lucky month you lose 2% and they will still throw this statement in your face, no?

This is because bonds, commodities and equities were moving at the same direction (downward/negative) for the past week. Market is worse than the 2008 financial crisis so be glad that its just 7% loss. Cash is King when everybody is selling off everything for liquidity.

On the upside, Friday market ended with positive gain for all bonds, commodities and equities (not yet updated on Syfe and Stashaway).

 

[RMCWMR]

This is because bonds, commodities and equities were moving at the same direction (downward/negative) for the past week. Market is worse than the 2008 financial crisis so be glad that its just 7% loss. Cash is King when everybody is selling off everything for liquidity.

On the upside, Friday market ended with positive gain for all bonds, commodities and equities (not yet updated on Syfe and Stashaway).

I am still contemplating withdrawing all in syfe and wait for greenshoots before investing in syfe

 

[assiak71]

That's what i meant when i say "got put downside risk = never put". No difference. Your portfolio could be losing 14% on a 5% downside risk for 11 out of the 12 months in a year and the 1 lucky month you lose 2% and they will still throw this statement in your face, no?

I think you are too kan chiong. Relax and sit back.

When they say DR is -5% it generally wont exceed -5% and of course shouldnt go to -14% in your example. But extreme swings in market is definitely going to cause it to go out of -5% momentarily, that should be expected.

Sit back and just wait for things to settle down. Im sure you'll be fine. You are reacting like how a typical novice panics and exits the market (at the wrong time). Just stay calm and stay the course

Dont peek - quote from the great john bogle

Dont login and ignore the markets for the next 6 months

 

[s0crates]

Is anyone compiling a "If the robo didn't do anything, I would have gained/loss even more by X% analysis?"

Saw syfe tried to do some analysis at their end but stashaway never really say anything at all other than generic "remained invested "statements hmm.

Isn't it the best time to not portfolio and see how the robo perform?

 

[RMCWMR]

You are reacting like how a typical novice panics and exits the market (at the wrong time).

If i am pro i go long and short the market liao.....no need simi roboadvisor

 

[2474265]

My Syfe portfolio is also suffering, but have to say it's significantly better than my own ETFs and stocks
So I am very happy that Syfe rebalanced 2-3 weeks ago, I should have done it in my stock portfolio also.......

In the newsletter on Friday they sent this article:
https://www.syfe.com/magazine/market-whiplash-how-syfes-ari-algorithm-reacted/
I think very transparent... I will stay invested and keep my monthly contributions

 

[pm_me_ur_noods]

So when can ALL in ? Still not the time now ?

Just deposit money equally weekly.

 

[zerozerozerozero]

Hello all,

I’m thinking of investing in a robo and was thinking of doing a cash plan with Endowus, but have been delaying it due to work.

When I finally have time to open my account, the covid situation is getting worse. Do you guys think I should hold on first till the situation is better or should I just open it since I’m in it for Long run

 

[pm_me_ur_noods]

Hello all,

I’m thinking of investing in a robo and was thinking of doing a cash plan with Endowus, but have been delaying it due to work.

When I finally have time to open my account, the covid situation is getting worse. Do you guys think I should hold on first till the situation is better or should I just open it since I’m in it for Long run

Not an expert but what I do is just DCA weekly deposit the money instead of lump sum since I don't know if its gonna get worse or better.

 

[huiseh]

Hello all,

I*********m thinking of investing in a robo and was thinking of doing a cash plan with Endowus, but have been delaying it due to work.

When I finally have time to open my account, the covid situation is getting worse. Do you guys think I should hold on first till the situation is better or should I just open it since I*********m in it for Long run

Now would be a very good time to get in, when everything is heavily discounted

Posted from PCWX using Redmi Note 8T

 

[Outramkia]

If scared of losing money, put inside fixed deposit better

 

[zerozerozerozero]

What do you mean DCA?

Not an expert but what I do is just DCA weekly deposit the money instead of lump sum since I don't know if its gonna get worse or better.

 

[zerozerozerozero]

Hey,

What do you mean everything is heavily discounted if get in now for robo like Endowus?

Now would be a very good time to get in, when everything is heavily discounted

Posted from PCWX using Redmi Note 8T

 

[JetStorm]

What do you mean DCA?

Most probably he meant instead of dca monthly, he split his investments over 4 weeks instead. Ie 1k per month becomes 250 per week.

Sent from Xiaomi REDMI NOTE 8 PRO using GAGT