How do you invest in Stashaway? And what do they invest in?

Stashaway has 3 main products:

1. General Investing or Goal-based Investing. The former lets you manually drag the slider and choose a desired risk index from 6.5% to 36%. This index represents a 1% chance that your portfolio may fall by x%(between 6.5% to 36% depending on your risk profile). The latter lets you choose a desired goal like retirement or saving for emergency fund and Stashaway will recommend a suitable risk index for you. All portfolios with risk index of 6.5% to 36% are made up of a basket of financial instruments like bonds, equities, gold, real estate,etc.

2. Income Portfolio - a portfolio that is heavy on dividends payout from bonds and S-REITs but require an initial investment of 10k

3. StashAway Simple - similar to a high yield savings account with no lock-in that generates a projected 1.9% return(non guaranteed). Funds are put in LionGlobal money market funds which are very low risk low return products.

It’s not that messy after all! I just started about 2 weeks ago and I know what I’m doing. Roboadvisors are supposed to be convenient. However, you should still check from time to time what stashaway invest in for you. I recommend you reading more on internet about roboadvisor on how they work, then reading Stashaway’s FAQ, and then figuring out what you’re exactly unsure of then ask here again.

A quick summary of what stashaway does is they basically take your money and diversify it into different sectors such as US equities/commodities/bonds etc. You basically contribute either a lump sum in or you can DCA into it and theres a charge of 0.8% on your asset under management(AUM) aka the total amount of money they’re managing for you. They also will change the allocation of your funds according to different market situation based on your risk appetite.