Stashaway discussion thread

[twosix]

Haha Is it a bit weird the riskiest portfolio doesn't have some exposure to the high profile volatile stocks of the tech sector?

36% only. Endowus has 50%.

 

[zenify.me]

Haha Is it a bit weird the riskiest portfolio doesn't have some exposure to the high profile volatile stocks of the tech sector?

XLK was part of risk index 36 pre-covid... After the black swan evetn there was an optimisation which removed it.

 

[direbmem]

XLK was part of risk index 36 pre-covid... After the black swan evetn there was an optimisation which removed it.

That is if you turned on optimisation. If no optimisation, the ETFs are fixed to the 8 ETFs for 36, which does not have XLK.

 

[direbmem]

36% only. Endowus has 50%.

ya la, but this is Stashaway thread ma. 36 is Stashaway riskiest portfolio.

 

[Okenba]

That is if you turned on optimisation. If no optimisation, the ETFs are fixed to the 8 ETFs for 36, which does not have XLK.

I thought that if you opted out they would send you an email about any planned change in asset allocation so that you could decide if you wanted to follow their call.

 

[direbmem]

I thought that if you opted out they would send you an email about any planned change in asset allocation so that you could decide if you wanted to follow their call.

oh I didn't really check my email haha. I am already DCAing which is meant to buy more at lower prices, so I didn't really want optimisation which can mess up the DCA.
I'm not really complaining there's no tech, just felt it's weird haha

 

[minamikaze]

Hi! I've just sold my house and will be receiving the proceeds of about 500k shortly. 450k of it will be used to finance my new house in March, which is in about 3 months' time.
Do you guys think Stashaway Simple is a good way to store my 500k temporarily for 3 months, while generating a small but reasonable return, yet I can take it out easily after 3 months? Or is there another better place to store it? Thanks!

 

[Project_Xco]

Hi! I've just sold my house and will be receiving the proceeds of about 500k shortly. 450k of it will be used to finance my new house in March, which is in about 3 months' time.
Do you guys think Stashaway Simple is a good way to store my 500k temporarily for 3 months, while generating a small but reasonable return, yet I can take it out easily after 3 months? Or is there another better place to store it? Thanks!

In theory yes but i wouldn't put all my eggs in one basket.

 

[wira]

Hi! I've just sold my house and will be receiving the proceeds of about 500k shortly. 450k of it will be used to finance my new house in March, which is in about 3 months' time.
Do you guys think Stashaway Simple is a good way to store my 500k temporarily for 3 months, while generating a small but reasonable return, yet I can take it out easily after 3 months? Or is there another better place to store it? Thanks!

i dont think stashaway simple is capital guaranteed nor is it SDIC insured.

I wouldnt advise to put your $500 K there given that you WILL need it in 3 mths time.

 

[minamikaze]

i dont think stashaway simple is capital guaranteed nor is it SDIC insured.

I wouldnt advise to put your $500 K there given that you WILL need it in 3 mths time.

Any better ideas for a decent (say, 1% yield) and safer option?

 

[zenify.me]

Any better ideas for a decent (say, 1% yield) and safer option?

Singlife is capital guaranteed and useful up to 100k but there is a wait list now...

 

[caroxine]

no snp now as they are adopting all weather strategy and slightly diversifying away from US into China and gold as hedge due to uncertain climate

 

[rottingapple]

for the same amount of money i put in stash simple vs in investing portfolios.

the interest i generate in stash simple for 3 months, can be easily earned in 3 days by stash investments, but can also lose completely within few days. thats how volatile it is...

 

[minamikaze]

Singlife is capital guaranteed and useful up to 100k but there is a wait list now...

I already have a Singlife account for me and my wife (each avg about 15k). Probably will top up each to max for now, and decide what to do with the rest maybe 200k into stashaway simple.

 

[direbmem]

no snp now as they are adopting all weather strategy and slightly diversifying away from US into China and gold as hedge due to uncertain climate

but now tech stocks chiong like no tomorrow, 36 portfolio like moving sideways... luckily got some exposure thru' Syfe equity100

 

[zumaba]

Is there any bank agent fee if to use SRS to invest with Stashaway?

 

[gold_eagle36]

Is there any bank agent fee if to use SRS to invest with Stashaway?

Bank agent fees is for cpfis. Srs no bank fees

 

[Kojo0403]

but now tech stocks chiong like no tomorrow, 36 portfolio like moving sideways... luckily got some exposure thru' Syfe equity100

Why use StashAway when your can buy ETFs with SRS directly though..?
Stashaway and Syfe management fee + ETF TER easily add up to 1%+ per year.. almost same as unit trusts

 

[gold_eagle36]

I'm not user of syfe. But I think syfe reit portfolio buys the individual reit directly so there's no additional layer of etf. The fees become like etf "management fee"

 

[Project_Xco]

Why use StashAway when your can buy ETFs with SRS directly though..?
Stashaway and Syfe management fee + ETF TER easily add up to 1%+ per year.. almost same as unit trusts

Fractional shares + Rebalancing + Professionally managed portfolio + Convenience.

If you buy ETF directly, you still incur ETF expense ratio. Hence you shouldn't include it to Roboadvisors when comparing with direct buying.