Asked by Anonymous
A lot of people are in the red now.
I agree with the Nicholas and Yang Teng. I'm comtemplating to increase my monthly contribution precisely because the market is falling (this is a method done called, dollar cost averaging).
The method works because we anticipate all these indexes to rise again after a few years. But never, ever DCA into a stock, unless you are sure it will not bankrupt and will rise again as a superstock.
If you are going to withdraw your money every time your investments gets negative, you should not invest in stocks. Stocks are volatile. If you cannot handle the volatility of stocks which are very common, you will just keep buying at high price and selling at low price which is going to make you lose even more money. You will carry on to do the same thing which is buying with stashaway because market doing good and selling it because market doing bad.
If you started investing with StashAway anytime in the past year, it's likely your account will be in negative returns now. The point of rebalancing is not to prevent negative returns. And it's a bad time to withdraw especially when your account is in negative returns.
I reckon you should have a more detailed read of the StashAway website and the various explanations of what you are actually investing in. It sounds like you have little idea of what your robo-advisor account investing is supposed to do!