Stashaway discussion thread

[tutonic]

Yup, Risk Index 12%.

The income portfolio is quite bad for Stashaway. If you want to invest in a local portfolio, use Syfe's 100% REITs. It's much better. That's what I'm doing. 36% portfolio Stashaway and 100% REITs in Syfe.

Oh wait. You're talking about SRS. Then 36% portfolio will be best since it's over a long horizon. My 36% portfolio TWR at 29.45%.

 

[endlssorrow]

The income portfolio is quite bad for Stashaway. If you want to invest in a local portfolio, use Syfe's 100% REITs. It's much better. That's what I'm doing. 36% portfolio Stashaway and 100% REITs in Syfe.

Oh wait. You're talking about SRS. Then 36% portfolio will be best since it's over a long horizon. My 36% portfolio TWR at 29.45%.

Ur Syfe returns better?

 

[endlssorrow]

For SA what’s the ideal lump sum to get the best commission reduced?

Same for Syfe lump sum idea?

 

[tutonic]

Ur Syfe returns better?

Obviously not. Local portfolio will almost never beat US equity in terms of raw returns over long horizon. The reason you hold local portfolio is for some degree of diversification.

For SA what’s the ideal lump sum to get the best commission reduced?

Same for Syfe lump sum idea?

There are no commission fees for any of the robos. It's management fee. They are two completely different things. Daily/weekly deposits will result in lower fees since the monthly fee is based on average monthly balance, and if you lump sum once on the 1st of every month, your balance will always be higher than if you deposit daily/weekly. However, the difference in fees isn't that big to begin with.

 

[endlssorrow]

This SA must wait till end of the month then will have the statement of brought what? Up & down profit losses?

 

[tutonic]

This SA must wait till end of the month then will have the statement of brought what? Up & down profit losses?

Just go into the app or website. Click your portfolio. Top right corner click the dots, and view Transactions, and you'll see all the portfolio-specific transactions; i.e. when they buy or sell and how many units for each ETF, and the unit price in USD.

 

[endlssorrow]

Just go into the app or website. Click your portfolio. Top right corner click the dots, and view Transactions, and you'll see all the portfolio-specific transactions; i.e. when they buy or sell and how many units for each ETF, and the unit price in USD.

I see.
Somehow today works!

Thanks !

 

[endlssorrow]

Can check so this SA is buying a total of 09 stocks ?

Anyone knows or got the website to state which 09 stocks SA always purchase ?

 

[tutonic]

Can check so this SA is buying a total of 09 stocks ?

Anyone knows or got the website to state which 09 stocks SA always purchase ?

Firstly, where did you even get the number 9? Everything is available in the app or website. Using the website as an example:


Create a New Portfolio -> General Investing -> Core for most of the portfolios, Higher-risk for the top 3 riskiest portfolios.

You'll then see a slider to adjust your risk index. Click on the coloured bar graphs below. For the 6.5% portfolio, you'll see that it holds the following.

WIP, IGOV, BIL, BNDX, FLOT, KWEB, EWJ, GLD.

Adjust the slider and then click on the graphs and see what they hold ah.

I honestly don't know why you're asking inane questions.

 

[endlssorrow]

9 numbers from the app if I didn’t see wrongly.

 

[Velton]

Now Dash offers 1.7% for 1st 10k. 1st policy year. Anyone on it?

Sent from Apollo 13 using GAGT

 

[grandorder302]

Hi everyone, need some advice if i should just focus on on higher DCA into general investing portfolio or continue DCA into these 2 portfolio at the current amount?

Income 12%:
Started: Sep 2020
net deposit: $10000
Monthly DCA: $200

General Investing 36%:
Started: Feb 2019
net deposit: $8000
Monthly DCA: $400

 

[len555]

Now Dash offers 1.7% for 1st 10k. 1st policy year. Anyone on it?

Sent from Apollo 13 using GAGT

Its the Dash PET, might close fast like others so I signed up. Good to diverse also

 

[twosix]

Its the Dash PET, might close fast like others so I signed up. Good to diverse also

It is a life insurance policy if iam not wrong. Can just withdraw anytime meh? Those is why I am hesitant to sign up.

 

[tutonic]

Hi everyone, need some advice if i should just focus on on higher DCA into general investing portfolio or continue DCA into these 2 portfolio at the current amount?

Income 12%:
Started: Sep 2020
net deposit: $10000
Monthly DCA: $200

General Investing 36%:
Started: Feb 2019
net deposit: $8000
Monthly DCA: $400

Please don't bother with the Stashaway Income portfolio. It's completely trash. Just look at the returns of your Income portfolio. It's pretty obvious. If you want a local portfolio, get the Syfe 100% REIT or Managed REIT portfolio. It's what I'm doing. I'm holding 36% Stashaway and 100% REITs. I initially held the Income portfolio too, but switched it over to Syfe's REIT once they released it last year. The REIT portfolio dividends alone can get you ~4% a year.

If you're holding long term, why is your SG portfolio larger? SG returns are bad compared to US equity, in the long run. Makes sense to limit the SG component to at most 50% if you die-die want to hold SG. I'm keeping my SG component at 30% of my overall portfolio value.

 

[cassowary18]

It is a life insurance policy if iam not wrong. Can just withdraw anytime meh? Those is why I am hesitant to sign up.

If you read the Dash PET thread, some people raised this line in the T&C:

We reserve the right to delay the payment of the withdrawal amount for up to a period of 6 months from the date of the withdrawal request. We will trigger this right when there is a surge in withdrawals (partial or full) within the Portfolio during a very short period of time.

That being said, this looks like standard boilerplate for all Etiqa plans (including ELASTIQ, GIGANTIQ, and Dash EasyEarn) and no one has raised any issues with withdrawal so far. Up to you to decide if worth the risk or not.

 

[grandorder302]

Please don't bother with the Stashaway Income portfolio. It's completely trash. Just look at the returns of your Income portfolio. It's pretty obvious. If you want a local portfolio, get the Syfe 100% REIT or Managed REIT portfolio. It's what I'm doing. I'm holding 36% Stashaway and 100% REITs. I initially held the Income portfolio too, but switched it over to Syfe's REIT once they released it last year. The REIT portfolio dividends alone can get you ~4% a year.

If you're holding long term, why is your SG portfolio larger? SG returns are bad compared to US equity, in the long run. Makes sense to limit the SG component to at most 50% if you die-die want to hold SG. I'm keeping my SG component at 30% of my overall portfolio value.

Thanks for the input, i'll take a look at Syfe.
SG portfolio is larger because the min deposit is $10k.

 

[tutonic]

Thanks for the input, i'll take a look at Syfe.
SG portfolio is larger because the min deposit is $10k.

It only states that the min deposit is $10k, but actually that's not true. You can deposit any amount. The $10k only pertains to if you want to withdraw dividends, instead of re-invest them. My Income portfolio was only $2k value last year when I switched over to Syfe's REITs.

If you're considering Syfe's REITs, I think the 100% REITs is the better portfolio. I have an on-going comparison thread between the two REIT portfolios here.

 

[Rong626]

6.5% risk profile vs Simple. Which one best to put emergency fund?

 

[tutonic]

6.5% risk profile vs Simple. Which one best to put emergency fund?

Syfe cash+ is the better portfolio. There's a comparison thread here comparing the various cash management portfolios.