Asked by Anonymous
Asked on 28 Aug 2018
Still deciding to invest between Stashaway, Autowealth and Smartly
Updated April 2019:
Stashaway: Started in Aug 2017 with maximum risk growth portfolio, contributed 1 x lump sum and monthly contributions, SGD returns = 7%
You can read more reviews here:
Updated Apr 2019
Stashaway: Started in Oct 2017 with 60/40 portfolio on monthly contributions. Switched to 80+ equity during the trade war & SGD returns shot up to 11% (from 3 - 4% previously)
Question: Hypothetically if i knew a market crash would come in a month or so, would it be wise to lower my risk profile OR maintain risk profile and continue (or even pump) DCA-ing. Is it possible for the portfolio to get wiped permanently (due to some weird rebalancing) ?
I've been using for almost a year... all the while hardly went above 4%... after i set the new risk level... within a month went up to 11%... I should be happy since its earning me moolah but somewhere Im afraid... what goes up fast and hard also comes down fast and hard... For example... Cryptos...
See all 3 comments
7.8% since April 2018. Even got - % during the last year recession (right term?) but eventually raise to 7.8% now.
Stashaway started Dec 2017
Currently DCA 1k per mth
Stashaway from Feb 2018 : +3.3% Highest risk profile available Smartly from Mar 2018 : +4% Highest risk profile Contributing monthly for both
Stashaway Started in Dec 17.
DCA $500 with initial sum of 1K
15% risk SGD returns 8%
Started in early March with stashaway.
Core portfolio with 18.5% risk.
2.6% after 1 month. Just did a topup few days ago.
AutoWealth. Started 21 Feb 2019. 80% equities, 20% bonds.
Opened account with 3K. Monthly DCA 1K.
Deposited a total of $4,000. Current value $4,099.
Simple cumulative returns 2.48% Time-weighted 2.76%
Started in Dec 2018 with LSI of $500 and DCA of $100 monthly.
Risk Index: 20%
SGD returns: 6.3%
May increase DCA to $200 monthly.
DCA $100 since Jul 2018,
Stashaway risk index 14%,
SGD returns 7.1%,
Plan to up DCA to $200.
Autowealth: Started on Dec 2017 with highest risk of 80% in equities and 20% in bonds. Monthly contribution of $600 SGD. Returns are roughly 2.5%
I started 2 months ago, and recently changed to the most aggressive portfolio on Stashaway. Currently up by around 2% :)
I use autowealth, put in one lump sum since end July. But I think I just broke even from my initial capital that I put in.. I seem to be barely hanging in there 😂 hopefully given a longer period of time I might get better returns! My risk level was level 3, which is the balanced portfolio 60-40 if I'm not wrong.
Top Contributor (Jun)
Updated Apr 2019:
Stashaway since about 2 year ago, at 4.2% average at the old risk profile and adjusted to the newer higher risk profile since 2018 at one lump sum.
See my review and details here , with others review as well :
Started Jun17, $200/month
Risk Index 14%
Returns 5.9% so far in SGD terms
Started stashaway in feb, total gains 8.3% so far. Was in 20% risk level but adjusted the levels to 36% last month.
My AutoWealth account was incepted on 24 Aug 2017 with 60% equities and 40% bonds in my portfolio. On this day, my portfolio returns since inception is 7.07% in USD terms.
See all 3 comments
Start 30 Jul 2017,15% risk index 12.7% time weighted cumulative returns, 5.8% simple cumulative returns
Start 30 Nov 2017 16.5% risk index, 10.8% time weighted cumulative returns, 5.1% simple cumulative returns
Start 31 Aug 2017 18% risk index, 11.2% time weighted cumulative returns, 5.1% simple cumulative returns
Start 31 Aug 2017 20% risk index, 14.5% time weighted cumulative returns, 5.9% simple cumulative returns
Smartly (time weighted figures not available)
Start Nov 2017 risk score 7/10, 5% simple cumulative returns
Start Nov 2017 risk score 8/10, 5.3% simple cumulative returns
Start Nov 2017 risk score 9/10, 4.7% simple cumulative returns
Start Nov 2017 risk score 10/10, 5% simple cumulative returns
Start 15 Feb 2018 risk level 3, 4.38% time weighted cumulative returns, 4.18% simple cumulative returns