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Could someone share some advice on StashAway and your referral code, if any, please?
Damian Yeo
Damian Yeo
Level 4. Prodigy
Updated on 31 Jan 2020
Have you started investing with StashAway yet? Sign up with my link and we'll both get up to $10,000 SGD managed for free for 6 months! https://www.stashaway.sg/referrals/damiany4z
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Robo-Advisors

StashAway

Investments

Seems like some of the medium risk portfolios (~22%) are outperforming the lower and higher risk brackets for Stashaway. Should this be an indicator of where we should park our money?
Boon Peng
Boon Peng
Level 5. Genius
Answered 2d ago
Understand the portfolio downside risk is key. Just one small cautious that a portfolio may generate ~22% now, may not necessarily generate the same kind of future return.
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Investments

Standard Chartered JumpStart Account

StashAway

Robo-Advisors

Stocks Discussion

Online Brokerages

ETF

How much should I actually invest in my situation?
Hi Anon, First of all, you can sort out your emergency fund (6 - 12 months worth of expenses), basic insurance essential, and short term liquidity needs. Thereafter, you will be better to allocate the rest to investments. I can see that you are saving and investing actively which is good. There is certainly no right or wrong amount because everyone has different comfort point and risk appetite. If you ask, I would skip DBS investsaver as their ETF lack of growth. At a young age of 20, I would be accumulating assets aggressively so I will look at US ETF instead, S&P 500 or QQQ will be a good option. You may still stick with Stashaway if you want. You can also diversify to other asset class such as REITs and bonds too. All and all, I believe it's all about asset allocation after you are clear with your resources. Hope this helps!
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Robo-Advisors

Stocks Discussion

StashAway

Investments

Online Brokerages

Stashaway ERAA - It talks a lot about data that benefits the users. How do I know if it is reliable?
Matthew Tan
Matthew Tan, Incoming Undergraduate at NTU
Level 5. Genius
Answered 3d ago
Here is an article by fidelity which talks about investing in different economic cycles. The article talks about how certain equity sectors perform better in some phase of the business cycle. For eg defensive sectors like Healthcare, Consumer Staples & Utilities. https://www.fidelity.com/viewpoints/investing-ideas/business-cycle-investing I dont personally invest with Stashaway but I do find that the ERAA and business cycle investing is pretty similar but I might be wrong. Im invested in Syfe global portfolio instead and its pretty interesting to see how they reoptimize the portfolio to buy into those defensive sectors like in the article.
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Investments

Robo-Advisors

ETF

StashAway

Online Brokerages

Regular Shares Savings Plans (RSS/RSP)

When do you decide to take profit? A set target, time frame, or other factors?
SW
Shaun WQ Lim
Level 7. Grand Master
Answered 5d ago
For myself, I tend to hold investments long term. The only times my profits/losses got realised were when: 1. The companies got acquired or got delisted 2. There was an issue with the platform and my positions were closed 3. I got fearful and sold a portion to lock in some profit during the early part of my investing journey. Other reasons could be to rebalance the portfolio and maintain the allocation ratios.
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Robo-Advisors

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StashAway

STI ETF

S&P 500 Index

ETF

Online Brokerages

I am a beginner investor and keen in S&P 500 ETFs. What are my next steps?
Hi Anon, If it's for long term growth, I suggest you can skip STI ETF. Channel that amount to RSP US ETF in FSM instead. You can get good ETF with just a min of US$50 per ETF. Some ETFs to look out for VOO/IVV and CQQQ at the start. Cost at FSM is also low! Hope this helps!
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Stocks Discussion

ETF

StashAway

Syfe

Standard Chartered

Robo-Advisors

S&P 500 Index

Online Brokerages

Which would be a better choice? DCA in roboadvisor (stashaway / syfe) or directly into S&P500 & world ETFs?
Hi W, that's a good question! When you DCA with Syfe, there are no trading / brokerage costs to be concerned about. Such costs can add up and eat into your returns, so a platform that absorbs these costs for you would be a better choice over time. Moreover, as your AUM grows, your Syfe management fee falls (our fees are between 0.4% to 0.65% per annum). If you don't really have the time to manage your own portfolio, Syfe offers a hassle-free, ready-made ETF portfolio that is diversified across asset classes, sectors and geographies. Your portfolio is also risk managed to help protect and grow your wealth. To help you boost your returns, dividends are automatically reinvested for you at no additional charge. We will rebalance your portfolio for you when necessary as well - for free!
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Investments

Robo-Advisors

StashAway

FSM One

MoneyOwl

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Syfe

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Property

Thinking of putting $700-$800 monthly into RSPs for DCA. Any advice for my current strategy, and are there any better alternatives for growth and wealth accumulation?
Hi Anon, As Wilson had mentioned, I think you are over stretching to too many platforms. Given your time horizon, I would expose myself to US ETF instead. FSM has IVV and VOO for you to RSP into. On the other hand, I would allocate some to REITs for diversification and dividend income, Syfe REIT+ is fine or you can DIY too. From your answer, I understand your concern on WHT, however this is a pro and con kind of situation. There isn't any platform for you to RSP into Irish-domiciled S&P 500 ETF unless you do it manually. However, do take note how you gonna execute to not encounter unnecessary transaction fee, and if capital and opportunity cost will be an issue. Therefore, weigh the pros and cons and decide what are you most comfortable with. Hope this helps!
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StashAway

Investments

Robo-Advisors

S&P 500 Index

ETF

StashAway recently changed its portfolios quite significantly, reporting to be now using an all weather strategy in these times of market volatility. What do you guys think of this re-optimisation?
R
Russell
Level 2. Rookie
Answered 2w ago
During their webinar, StashAway also explained that KWEB was less volatile (smaller % drop from peak to ?bottom 19 Feb - 23 Mar), but it still sees daily fluctuations of +/- 4% or more (?escalating US-China trade tensions), while the S&P 500 has been relatively stagnant recently. They also mentioned that they will likely stick to this portfolio over the foreseeable future (at least 1 year). I joined StashAway for its good diversification, but now feel like it has tried to time the market, actively managing it to somehow reduce diversification for its all weather portfolio. Any input is much appreciated, thank you! :)
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StashAway

Robo-Advisors

Investments

For everyone using Stashaway, what’s your risk index and why did you set it as such?
Heng Kai Le
Heng Kai Le, Mondomover at School Of Life
Level 6. Master
Answered 2w ago
12%. First time investor, getting my feet wet until I get more comfortable and knowledgeable with StashAway‘s investment philosophy Now thinking of whether i should get another StashAway portfolio or sign up with AutoWealth or Endowus
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