Given the uncertainty in markets (Geo-pol tensions, Covid19, equities/gold seemingly at high values, us elections) would it make sense to transfer my stashaway portfolio to a lower risk profile.?

Hi There,

I suggest understanding how changing your StashAway portfolio actually affects you.

With StashAway, it is important to view the "risk %" as how it changes your actual portfolio rather than a true indicator of risk. See how it changes your portfolio allocation across different markets and assets.

Changing your risk now will cause you to sell certain positions and buy new ones. Now that could lead to some selling low and buying high as you are moving money from different one asset class to another.

Ultimately, as a longer term investor, embrace short term volatility and look at the long term. If you are a passive investor, this should not affect you in anyway, it'll do you good to invest and forget, try not to be tempted to check your account everyday.

If you are interested in active investing like me, then you would enjoy the volatility and potential corrections and pullbacks as these can be viewed as wonderful sales

Nope, just like with any other portfolio, no matter the roboadvisor/ broker you use. You should go with the portfolio u decided. Changing the risk would mean rebalancing, and changing to lower risks would mean additional costs due to the rebalancing. Stay vested. If you can you should actually put more money when it's down.