Losing money on StashAway, what to do?

Most of the regions/sectors have taken a hit since the start of the year. This is not necessarily a Stashaway-specific issue but more of the underlying. The important question you should be asking is if you believe in the fundamentals of the companies that are being held in your ETFs.

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If they are sound, buying on dips or corrections is the right thing to do. If otherwise, you can deploy them to better companies that are undervalued.

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It depends:

• What's your Unrealized P&L right now?
• How old are you?
• How much does the $5K represents with respect to your net worth?
• Do you need that $5K anytime soon?

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Caveat: 5cents from non-finance professional below.

• IF Unrealized P&L is positive, maybe it's good to pull out given the uncertain economy climate in the upcoming 1-2 yrs.
• IF Unrealized P&L is negative (esp if worse than -20%).. see scenarios below

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Scenario A

• You're still young (eg. <35 yo, no kids/dependents), AND/OR
• $5K doesn't represents low % of your net worth, AND/OR

• You don't need that $5K anytime soon (eg. you have enough cash flow to keep your daily expenses for the next 2-5 yrs)

  I'd personally hold

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Scenario B

• You have kids/ dependents & in mid-to-tenured age, AND/OR
• $5K represents significant % of your net worth, AND/OR

• You may need that $5K anytime soon

  If I'm OK with the losses ("Unrealized P&L"), maybe I'd personally realized the loss & pull my money =(

I Wasted 4 years investing in it, please take it all out

Depending on how much education you gave yourself in the past 6 months, my personal opinions are:

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• HODL, if all you wanted to do with this 5K was to have it grow with no efforts given on your end and you don't need it urgently
• Pump more in, if you have done some studying up on markets and personally agree with Stashaway's allocations with your 5K in the current portfolio
• Hold and buy your own stocks/index funds in a separate brokerage, if you have gone through fundamental education of personal finance - my guess is if you've kept up with reading up on personal finance and investing for the past 6 months, you have a decent grasp on what to do with your money already