I’ve not been diligent in posting my performance that i invest into Stash Away. It has been positive so far (the experience) and I’ll say it is on par with what Endowus is providing. In my own words, I’ll say that they complement each other and offer different perspective. I do trust and believe their views on certain aspects of investing and hence, SA shall be the second robo advisor that I will build a long term goal with over time.
I have since adjusted the risk index to below 20% as I felt that there isn’t a need to go all out Risk On. Having calculated risk per $ makes more sense in my opinion as news and information goes on a random rampage. Most importantly, I am invested – So if Mr Market decides to go up that is fine too. If Mr Market decides to go down, then it will be time to put more funds in. After all, it is a long game.
Retirement Portfolio A (risk-14%)
The SRS account since deposit is currently at +2.46% as on 5 Nov 2020. It’s one of those that I went in February 2020 before the crash came in March 2020. Nonetheless, I believe in the long term strategy that S&P 500 or index generally rises over the longer term so I have a super long horizon on this. I haven’t decide if I should fund more SRS monies into SA or Endowus. We shall see how things turn out.
Education Portfolio B (risk-16%)
This is something I set on a 15-18 year horizon. It is at +5.06% as at 5 Nov 2020 and I think that is a good return in my view. I have been averaging in whenever there are market dips. The risk index is at 16% and I will adjust from time to time as I do believer that by doing so, you sell some assets while buying into a new asset class based on the risk you set so in a certain sense, I can take profit while increasing or reducing my risk. Try not to touch any of those if you don’t quite understand how that works. There is some level of punting involved.
Education Portfolio C (risk-20%)
This portfolio has a shorter horizon of 12-15 years so I feel that I need to take on some risk to achieve my goals. This SA risk index is currently at 20% and will take on to be one of my riskiest portfolio. More funds will be added over time to achieve my targeted invested goals.
So far StashAway has not failed me in a sense that it fits in to my investing style and logic. I wish to put more into the accounts but I cant bring myself to invest when prices are going higher and higher. Instead, when things come down I find it easier to put money in.
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We’ll both get up to $10,000 SGD managed for free for 6 months which is a good deal.
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The pictures were taken from the Stash Away website for this article.