I am planning to DCA $4k each month into Stashaway. May i know whats the best portfolio to invest in? Should i put 100% weightage into the 36% index risk pf? Are there better channels? - Seedly
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Abdul Hafiz

Asked 3w ago

I am planning to DCA $4k each month into Stashaway. May i know whats the best portfolio to invest in? Should i put 100% weightage into the 36% index risk pf? Are there better channels?

Looking for advise on portfolio weightage, Planning to DCA for a long time frame of min 15 years.

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Anson Chew
Anson Chew
Level 4. Prodigy
Answered 2w ago

Hi Abdul Hafiz,

I could share my little experience with you. I have been investing in both Stashaway and Autowealth since 2018. Autowealth - I had 60/40 portfolio and SA - I have 16% and 30% risk index pfs.

I understand that it might not be a fair comparison - however, so far, my returns in SA beats Autowealth. My 16% pf in SA is giving me money-weighted return of more than 10%.

I think at the end of the day, the platform fee only plays a small factor (so, think long term! 15 years would be a good time frame) After all, we would prefer a platform with a strong investing methodology and able to generate decent returns for us :)

Cheers ~

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Jay Hou
Jay Hou

2w ago

Anson, a 60Eq/40bond comparison with a 16% risk Stashaway is a fair comparison! I agree with u that an investmt co. With strong strategies is more important! Do u use more of a lumpsum instead of Dca? But how about the performance in Stashawy 30% risk??? Mine is 36% risk.
J
Jefremy
Level 4. Prodigy
Answered 2w ago

Hi Hafiz, I'm worried that you might not know Singapore's roboadvisors do not offer halal investments. Means you profit is immediately Haram and your capital is also at risk.

Try to look up Islamic fintech instruments. Learn from Islamicmarkets.com, follow [email protected] on IG.

Islamic option to roboadvisors is wahed invest. Islamic instruments are closer to Social Responsible Investing - which performs better than general stocks.

Peace be upon you. Hope this finds you well.

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Jay Hou
Jay Hou
Level 4. Prodigy
Answered 2w ago

Hard to point which is best esp there r all sort of claims: https://www.facebook.com/726848641013238/posts/1132823880415710/?d=n​​​

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You can consider full equity if you have no plans to touch your funds for 15 years. Just keep in mind that returns are not guaranteed when you do so and do your risk management for your portfolio from a holistic standpoint.

I'm not a huge fan of bond markets, especially if I am going to hold it for 15 years. Endowments give me guarantees and that time frame is suitable and comparable to bond funds.

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Andy Chan
Andy Chan
Level 4. Prodigy
Answered 3w ago

Autowealth might be cheaper if you plan on putting in 4k per month - 0.5% pa + 18 USD platform fee. Can consider 60% stocks 40% bonds or 80% stocks 20% bonds if you're putting in for the long term.

Syfe is another alternative you can consider since its 0.5% pa for 20k and above. You should take a look at their strategies and see which one you're more comfortable with.​​​

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