facebookWould it be advisable to maximise StashAway Risk Index to 36% risk index for better returns in the long run? - Seedly

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Anonymous

18 Jan 2021

General Investing

Would it be advisable to maximise StashAway Risk Index to 36% risk index for better returns in the long run?

Hi guys, i am no guru in investments but with the recent slash in interest from the local banks i am looking to increase my DCA into my StashAway.

I had been using it for around a year with a risk index of 20%. Would it be advisable to max it to 30/36% risk index for better returns in the long run?

I am also starting with VOO RSP in FSM (sold my STI recently) and DCA-ing ARKK stocks monthly. Do also let me know the opinions on my port folio? ◡̈

Discussion (7)

What are your thoughts?

Hello! If you're DCA-ing into VOO and ARKK, the equity exposure of your portfolio is pretty high especially if you switch to Stashaway's 36% risk index.

A more balanced allocation could be the 30% risk index so you have a slightly higher bond allocation to act as a buffer in case of any market corrections. Returns are important, but peace of mind is equally so :)

Congratulations on dumping your super terrible index (sti) too. Same as what I did, no regrets especially after changing to ARKK etf. If you are in for the long term and can accept more volaitlity, then by all means go for 36%. Good RSP plans set in place, 1 passive 1 growth​​​

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You said bank interest rates are low, but i would assume bank savings are for your liquid funds (eg ...

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