Stashaway discussion thread

[hungryfella]

half yr gone, hope u r doing fine ?

-15% for now.. a few k only, no biggie.



u seem more concerned abt my investment than i am!

maybe u can manage my investments then i can just shake leg do nothing.

 

[dappermen]

SA is my first robo!

it brings me many memories, those that hurt me good or bad , burnt me to death (my pocket) , r all precious experience

it took me sometimes to get for Parents 21Apr 2021 Syfe Eqty (now exactly 1yr) Twr : - 5.85%

 

[gold_eagle36]

This becoming Stashaway bashing thread haha. Vested.

 

[Asphodeli]

still investing with SA @ 36% portfolio since March 2020...+0.13% for me lol

 

[dappermen]

Congrats! cos u buy in at 1 of the lowest pt of covid period!!!!!!!!!!!

Mine in last quarter of 2019 if i recalled correctly though sold some time ago, way before the covid it done a fantastic job!!!!!!!!!!!!!!!!!!!! (not cos of covid hence i have concerns w SA)
during Covid, it is an even better opportunity but sadly SA................. too much gold and Gold

 

[Perrydaplatypus]

Can anyone help, i open a 6.5% SA account and my loss is now -7.77% time-weight return wtf??
i know statistically there is a 1% chance you can lose more than the % they give but this means their robo is so bloody bad?? i am sure there are so many other SA users who are affected..

 

[twosix]

Can anyone help, i open a 6.5% SA account and my loss is now -7.77% time-weight return wtf??
i know statistically there is a 1% chance you can lose more than the % they give but this means their robo is so bloody bad?? i am sure there are so many other SA users who are affected..

Did you take what ur investment is worth now divide by what u have invested? Or just take their calculated numbers? I'd prefer to calculate.

These robos are not actually robos. They buy a predetermined set of ETFs and if these ETFs are not making money, they try to re-balance, but the re-balancing is always trying to catch the wind, not forward looking. It may be good for non-savvy folks, but for those who knows some investment knowledge, it is better to buy the individual ETFs from the market.

Anyway, all markets are performing badly this year, so hang on tight and if can wait, wait, wait for the tide to change.

 

[churnmaster]

Can anyone help, i open a 6.5% SA account and my loss is now -7.77% time-weight return wtf??
i know statistically there is a 1% chance you can lose more than the % they give but this means their robo is so bloody bad?? i am sure there are so many other SA users who are affected..

When in doubt, get out . . The pain is minimal when very little is lost

 

[IcYFl4mEz]

deposited since mar 2021, 22% risk. now at -8.8% ...

 

[dappermen]

u dont find SA 's gold is too much?






gold : ok for u?

https://forums.hardwarezone.com.sg/threads/investing-in-gold.5748985/page-21#post-141672640

gold - gd? u sure:

 

[zuppeur]

time weight loss 22 %.
heng,i didnt referral anyone to SA

 

[x_men_naruto96]

SA has been doing badly but everyone else is the same lah. Market since the beginning of year has not been kind. But their China double down was such a bummer

 

[dappermen]

but they made a comparison to prove that Endwus is worse??!

 

[dappermen]

the problem is we dont know what is their benchmk!
https://www.stashaway.sg/r/our-retu...Manual-Branded-20220718-1H22PerformanceUpdate
So gd? even MAS made losses

in the past many been claiming stk and bonds Always move in Opp direction!!!!!!!!! never for this period

(eNDOWus also mentioned abt this fact)

 

[Adi Dassler]

Anyone here invest In Stashaway simple for idle cash and liquidity? Thinking of signing up just for this….

 

[dappermen]

Anyone here invest In Stashaway simple for idle cash and liquidity? Thinking of signing up just for this….

u could use the thread: https://forums.hardwarezone.com.sg/...ash-smart-vs-stashaway-simple.6446333/page-37 if u r ref to $ mkt or cash type
in the past i invested in it too.......if u wanna it simple and dislike banks, this is an alternative

https://blog.seedly.sg/robo-advisors-returns-revealed-endowus-syfe-kristal-ai-and-more/

 

[sohguanh]

Anyone here invest In Stashaway simple for idle cash and liquidity? Thinking of signing up just for this….

StashAway Simple fund composition is same as Syfe Cash+. In case in future you want to buy ETF then Syfe fees is cheaper than StashAway. So if just want cash mgmt and for future needs Syfe Wealth a better option. In fact Syfe Custom was born earlier than StashAway Flexible portfolio. And also Syfe got Syfe trade where you can buy US stock. So I think Syfe move faster than StashAway in terms of feature implementation.

But if your needs is just only want cash mgmt then I guess StashAway Simple is ok. In future if you got more investment needs than just cash mgmt I think Syfe better. Forget to say Syfe Cash+ up to 90% or cap at 10K can same day redeem (business day before 11am) same day get monies in bank.

 

[Mr. Wood]

Anyone here invest In Stashaway simple for idle cash and liquidity? Thinking of signing up just for this….

yes. mainly to move funds betw stashaway portfolios.
same with some other fund managers and robos.
liquidity yes, but remb is not capital protected. it can still go up and down with mkt conditions.

 

[cap_dingo]

9 months later... I am still 20% down waiting for Stashaway to recover. Bunch of cheaters!

 

[Shion]

StashAway launches third cash management portfolio with fixed deposit holdings, daily-reviewed rates​

https://www.theedgesingapore.com/ne...gement-portfolio-fixed-deposit-holdings-daily
Digital wealth manager StashAway has introduced StashAway Simple Guaranteed, its third cash management portfolio after StashAway Simple and StashAway Simple Plus.

According to StashAway, the Simple Guaranteed portfolio is the first-of-its-kind in Singapore to provide guaranteed returns on any investment amount.

With no management fees from StashAway, Simple Guaranteed has a projected return rate of 3.4% p.a. as at April 24, over a lock-in period of six months. The rate of return for Simple Guaranteed will be reviewed daily and updated as needed, says StashAway, providing clients with the flexibility to choose when to lock in their rate.

StashAway says its Simple Guaranteed portfolio invests in fixed deposits from reputable banking providers regulated by the Monetary Authority Singapore (MAS). At launch, the funds will be placed in fixed deposits from Citibank N.A., Singapore Branch, says StashAway to The Edge Singapore.

Higher fees for Simple and Simple Plus

The launch comes a day after StashAway raised management fees for its two existing cash management portfolios, Simple and Simple Plus.

From July 1, StashAway’s Simple and Simple Plus portfolios will bear a management fee of 0.15% p.a. and 0.2% p.a. respectively. The coming hike represents a 15 basis points (bps) increase for both portfolios.

In an email to users on April 23, StashAway says the fee hike will ensure the company can cover the cost of operations, and the advertised return rate of its portfolios will always be net of fees.

StashAway launched Simple Plus in July 2022 with a projected 2.7%–3.2% p.a. return, which was then nearly twice the projected rate of return of its inaugural portfolio, Simple.

At the launch of Simple Plus, StashAway advertised a waiver of management fees until June 30 this year. StashAway said then that it would levy a 0.05% p.a. fee on Simple Plus accounts thereafter.

Meanwhile, Simple portfolios are currently not subject to management fees.

As of April 23, the projected rates for StashAway’s Simple Plus are between 4.6% and 5% p.a., while the Simple portfolio touts a projected rate of 3.4% p.a.

Stashaway Simple was launched in November 2019 with a projected rate of 1.4% p.a. This was later adjusted down to 1.2% p.a. on March 1, 2021; before slipping further to 1.0% p.a. on Dec 1, 2021.

In May 2022, StashAway and its peers began raising interest rates on their respective cash management portfolios, after the US Federal Reserve started raising rates in March 2022 to quell inflation.

Simple Plus’ underlying funds are: 20% in the LionGlobal SGD Enhanced Liquidity Fund, 35% in the Nikko AM Shenton Short Term Bond Fund and 45% in the LionGlobal Short Duration Bond Fund.

Stashaway Simple’s underlying funds are: 30% in the LionGlobal SGD Money Market Fund and 70% in the LionGlobal SGD Enhanced Liquidity Fund.

Traditionally, the easiest way to optimise returns on cash was to keep looking for the highest-yielding bank savings account and go through tedious conditions, says Stephanie Leung, chief investment officer at StashAway. “We now have a sophisticated suite of cash management solutions that caters to different customer needs and financial goals, empowering our clients to make the most out of their cash — no matter how unpredictable the market may be.”