StashAway Performance – Mar 2022 Performance

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Here goes for the March 2022 StashAway performance. Nothing much to shout about.

StashAway has been rather stagnant but considering the environment, I think it is holding out well. I continue to question of this robotic/AI system if it is more human driven. Shouldn’t it be systematic driven for a robo advisor instead of attempting to drive better returns. With an ERAA approach, these actions seems rather active. Now, there are more steps taken to actively manage the volatility. I’m not sure if this is the right call.

If Mr Market drops, I’m not sure if I will do this more or do Endowus more. We shall see. I am also not sure of consolidating into one account.

Retirement Portfolio A (risk-14%)

2022 is indeed volatile.  I started out with $1500 and March 2022 ended with me losing -$12.59. Just to put things to perspective,  I made $10 in 2021. Haha….Oh my word. Very Very flat indeed.

Pretty standard outcome and the YTD is definitely down for sure.

Education Portfolio B (risk-16%)

I started out with a base of $3200 and ended Feb 2022 at $3205.30. Haha, no surprises. Every month, I RSP $100 into the portfolio for 6 months until June 2021 so my absolute gain will be $5.30. Okay, this is holding up okay.

YTD wise, small gain.

 

Education Portfolio C (risk-20%)

I started out with a base of $3200 and ended Feb 2022 at $3342.49. That’s a $142.49 gain! The portfolio strategy was to RSP for 6 months until June 2021 so my that makes a +9.48% gain.

Year to date wise, it is also flat. The Russia Ukraine war is not a good thing for the markets and that is ongoing

 

Conclusion

It is now almost 2 years since I started using StashAway. I still think that it has been a great supplement as a robo advisor. After using a few robo-advisors, I find that StashAway will play as a competition to my Endowus Portfolio and true enough that fits exactly into how I plan it to be. Recent months, I’ve been thinking and I did not add on any regular monthly investing amount as I’m beginning to think twice about their strategy and if they have grown to a level where institutional belief is starting to take over instead of that pure robo fintech as compared to what they were in 2020.

StashAway does have their own advantages. They do hedge their portfolios against huge crashes and take a stand on some positions which I do like because a lot asset managers don’t and even though they talk big about macro. The gold move was bold but it protects the portfolio. Again, Rome wasn’t built in a day so I guess you need to safeguard some of your monies to future proof it. No one knows so we have to try to know.

One thing for sure is that the cash funds is doing much better than Endowus and looking at SSB. I’m not sure if their cash funds makes any sense now.

To find out more about the pros and cons of using StashAway, do refer to my previous posts.

To sign up or try out Stash Away, visit the website and use my referral code at Stash Away Referral

We’ll both get up to $10,000 SGD managed for free for 6 months which is a good deal.

Disclaimer

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

The pictures were taken from the Stash Away website for this article.

StashAway Performance – Feb 2022 Performance

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I am one month late for this but I have to post this so that i can compared the upcoming month in April for the performance review. Honestly speaking, my  Crypto portfolio is moving faster than these stonks haha.

StashAway has been rather stagnant but considering the environment, I think it is holding out well. SA seems to try to take a bet around China and their recovery by doing a rebalancing. Now, is that system or human driven I question. Shouldn’t it be systematic driven for a robo advisor instead of attempting to drive better returns. With an ERAA approach, these actions seems rather active. Now, there are more steps taken to actively manage the volatility. I’m not sure if this is the right call.

If Mr Market drops, then I will add on more to the portfolios. If you have not taken the first step, action early so that you can start doing this early and learn from any mistakes along the way.

Retirement Portfolio A (risk-14%)

2022 is indeed volatile.  I started out with $1500 and Feb 2022 ended with me losing -$11. Just to put things to perspective,  I made $10 in 2021. Haha….Oh my word. Talk about paltry. Talk about flat.

 

Pretty standard outcome and the YTD is definitely down for sure.

Education Portfolio B (risk-16%)

I started out with a base of $3200 and ended Feb 2022 at $3201.15. Haha, no surprises. Every month, I RSP $100 into the portfolio for 6 months until June 2021 so my absolute gain will be $1.15. damn it. Can’t beat inflation.

YTD wise, small gain.

Education Portfolio C (risk-20%)

I started out with a base of $3200 and ended Feb 2022 at $3300.95. That’s a $100.95 gain! The portfolio strategy was to RSP for 6 months until June 2021 so my that makes a +8.48% gain.

 

Year to date wise, it is also flat. Nothing exciting. On China’s end, it must have been exciting. In terms of risk, probably Stashaway is dropping much slower than other portfolios since they are designed as such.

Conclusion

It is now almost 2 years since I started using StashAway. I still think that it has been a great supplement as a robo advisor. After using a few robo-advisors, I find that SA will play as a competition to my Endowus Portfolio and true enough that fits exactly into how I plan it to be. Recent months, I’ve been thinking and I did not add on any regular monthly investing amount as I’m beginning to think twice about their strategy and if they have grown to a level where institutional belief is starting to take over instead of that pure robo fintech as compared to what they were in 2020.

StashAway does have their own advantages. They do hedge their portfolios against huge crashes and take a stand on some positions which I do like because a lot asset managers don’t and even though they talk big about macro. The gold move was bold but it protects the portfolio. Again, Rome wasn’t built in a day so I guess you need to safeguard some of your monies to future proof it. No one knows so we have to try to know. Now, they are taking China out of the equation all together. I don’t really like my returns. When do I exactly buy it at a crash level given all these active management.

To find out more about the pros and cons of using StashAway, do refer to my previous posts.

To sign up or try out Stash Away, visit the website and use my referral code at Stash Away Referral

We’ll both get up to $10,000 SGD managed for free for 6 months which is a good deal.

Disclaimer

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

The pictures were taken from the Stash Away website for this article.

StashAway Performance – Year in review 2021

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2022 has arrived! The festive season is coming but for some it might be a stressful period. The pandemic situation has not taken a turn or twist. It’s not going to be any better going forward. Things will change too for the better. Stay positive.

StashAway has been rather stagnant but considering the environment, I think it is holding out well. SA seems to try to take a bet around China and their recovery by doing a rebalancing. Now, is that system or human driven I question. Shouldn’t it be systematic driven for a robo advisor instead of attempting to drive better returns. With an ERAA approach, these actions seems rather active.

If Mr Market drops, then I will add on more to the portfolios. If you have not taken the first step, action early so that you can start doing this early and learn from any mistakes along the way.

Retirement Portfolio A (risk-14%)

I expected a flat outlook in 2021 and it remains to be.  I started out on $1538 and ended the year at $1548, so I made $10 in 2021. Haha….Oh my word. That’s just a 0.65% gain. Talk about flat.

 

Pretty standard outcome.

Education Portfolio B (risk-16%)

I started out the year for $2705 and ended the year at $3352. Surprisingly, I’m seeing at 23.92% performance in 2021. Every month, I RSP $100 into the portfolio for 6 months until June 2021 so my absolute gain will be $3352-$2705-$600 = $47, that makes a +1.7% gain.

 

In Year 2021, it’s just a small incremental gain.

Education Portfolio C (risk-20%)

I started out the year for $2793 and ended the year at $3511. Surprisingly, I’m seeing at 23.92% performance in 2021. Every month, I RSP $100 into the portfolio for 6 months until June 2021 so my absolute gain will be $3511-$2793-$600 = $47, that makes a +4.2% gain.

 

Year to date wise, it is also flat. Nothing exciting. On China’s end, it must have been exciting. In terms of risk, probably SA is dropping much slower than other portfolios since they are designed as such.

Conclusion

It is now almost 2 years since I started using StashAway. I still think that it has been a great supplement as a robo advisor. After using a few robo-advisors, I find that SA will play as a competition to my Endowus Portfolio and true enough that fits exactly into how I plan it to be. Recent months, I’ve been thinking and I did not add on any regular monthly investing amount as I’m beginning to think twice about their strategy and if they have grown to a level where institutional belief is starting to take over instead of that pure robo fintech as compared to what they were in 2020.

StashAway does have their own advantages. They do hedge their portfolios against huge crashes and take a stand on some positions which I do like because a lot asset managers don’t and even though they talk big about macro. The gold move was bold but it protects the portfolio. Again, Rome wasn’t built in a day so I guess you need to safeguard some of your monies to future proof it. No one knows so we have to try to know.

To find out more about the pros and cons of using StashAway, do refer to my previous posts.

To sign up or try out Stash Away, visit the website and use my referral code at Stash Away Referral

We’ll both get up to $10,000 SGD managed for free for 6 months which is a good deal.

Disclaimer

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

The pictures were taken from the Stash Away website for this article.

StashAway Performance – Oct 2021

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The end of 2021 is coming but there is still time. It’s November! Summer is over and fall is coming once more. The festive season is coming but for some it might be a stressful period. The pandemic situation has not taken a turn or twist. It’s not going to be any better going forward. Things will change too for the better. Stay positive.

StashAway has been rather stagnant but considering the environment, I think it is holding out well. SA seems to try to take a bet around China and their recovery by doing a rebalancing. Now, is that system or human driven I question. Shouldn’t it be systematic driven for a robo advisor instead of attempting to drive better returns. With an ERAA approach, these actions seems rather active.

If Mr Market drops, then I will add on more to the portfolios. If you have not taken the first step, action early so that you can start doing this early and learn from any mistakes along the way.

Retirement Portfolio A (risk-14%)

I expected a flat outlook in 2021 and it remains to be.  This portfolio is my longest term portfolio for retirement. I felt that it could have done a lot better but I shall not look back and will pop in a little more when i contribute to my SRS account. The SRS account since first day deposit is currently at +4.35% as at 2 Nov 2021 (Time-weighted return). Performance wise, I think i is okay and also this is a super long term portfolio – I would say close to 25 years horizon so I’ll just leave it there.

 

The YTD performance is just flat. Pretty standard outcome.

 

Education Portfolio B (risk-16%)

This portfolio B is set out to be on a 15-18 year investment horizon. It is at +9.37% since day 1 as at 2 Nov 2021 and It’s steady. I have been averaging in whenever there are market dips. The risk index is at 16% and I will adjust those risk levels as and when I feel that there is a risk on or off. For just a 2% risk increase, I see a better performance already. This month versus the last was -3%%. Nothing to shout about really other than a poor month.

 

In Year to Date context, it’s just a small incremental gain.

 

Education Portfolio C (risk-20%)

For this portfolio, I look at this at 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. Return is at +16.82% YTD (Time-weighted return) since day one as at 2 Nov 2021. As compared to the last month, it is up but this is just a note to self and measure the monthly performance. Over time, more funds will be added to achieve the targeted invested goals. Two consecutive drop in performance for this portfolio In June and July while it is up for August. In September, it has dropped more than 3%, October it is up by 3%.

 

Year to date wise, it is also flat. Nothing exciting. On China’s end, it must have been exciting. In terms of risk, probably SA is dropping much slower than other portfolios since they are designed as such.

 

Conclusion

It is now almost 2 years since I started using StashAway. I still think that it has been a great supplement as a robo advisor. After using a few robo-advisors, I find that SA will play as a competition to my Endowus Portfolio and true enough that fits exactly into how I plan it to be. Recent months, I’ve been thinking and I did not add on any regular monthly investing amount as I’m beginning to think twice about their strategy and if they have grown to a level where institutional belief is starting to take over instead of that pure robo fintech as compared to what they were in 2020.

StashAway does have their own advantages. They do hedge their portfolios against huge crashes and take a stand on some positions which I do like because a lot asset managers don’t and even though they talk big about macro. The gold move was bold but it protects the portfolio. Again, Rome wasn’t built in a day so I guess you need to safeguard some of your monies to future proof it. No one knows so we have to try to know.

To find out more about the pros and cons of using StashAway, do refer to my previous posts.

To sign up or try out Stash Away, visit the website and use my referral code at Stash Away Referral

We’ll both get up to $10,000 SGD managed for free for 6 months which is a good deal.

Disclaimer

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

The pictures were taken from the Stash Away website for this article.

StashAway Performance – September 2021

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October is here. Wake us all up when September ends. October is the month where everything happens. Summer is over and fall is coming once more. The festive season is coming but for some it might be a stressful period. The pandemic situation has not taken a turn or twist. It’s not going to be any better going forward. Things will change too.

StashAway has been rather stagnant but considering the environment, I think it is holding out well. SA seems to try to take a bet around China and their recovery by doing a rebalancing. Now, is that system or human driven I question. Shouldn’t it be systematic driven for a robo advisor instead of attempting to drive better returns. With an ERAA approach, these actions seems rather active. Only time will tell but the portfolio seems to be more cushioned by these sharp drop in the market. We should see more volatility in the coming month.

Repeating to myself that if Mr Market decides to go either way, it would matter that much to me. Why is that so? If Mr Market drops, then I will add on more to the portfolios. If you have not taken the first step, action early so that you can start doing this early and learn from any mistakes along the way. By now, I would have decide on the main Robo to stake my money with. SA is not quite the one but let’s see how it goes. The competition remains strong.

Retirement Portfolio A (risk-14%)

I expected a flat outlook in 2021.  This portfolio is my longest term portfolio for retirement. I felt that it could have done a lot better but I shall not look back and will pop in a little more when i contribute to my SRS account. The SRS account since first day deposit is currently at +2.37% as on 1 Oct 2021 (Time-weighted return). Oh and it drops -2% from Aug 2021. Performance wise, I think i is okay and also this is a super long term portfolio – I would say close to 25 years horizon so I’ll just leave it there.

The YTD performance is just flat. Pretty standard outcome.

Education Portfolio B (risk-16%)

This portfolio B is set out to be on a 15-18 year investment horizon. It is at +6.87% YTD on 1 Oct 2021 and It’s steady. It’s the same as the last time i measured during Dec 2020. I have been averaging in whenever there are market dips. The risk index is at 16% and I will adjust those risk levels as and when I feel that there is a risk on or off. For just a 2% risk increase, I see a better performance already. This month versus the last was -3%%. Nothing to shout about really other than a poor month.

 

In Year to Date context, it’s just a small incremental gain. Month on Month, it is still a drop.

 

Education Portfolio C (risk-20%)

For this portfolio, I look at this at 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. Return is at +13.51% YTD (Time-weighted return) since day one as at 1 Oct 2021. As compared to the last month, it is down my 3.2% but this is just a note to self and measure the monthly performance. Over time, more funds will be added to achieve the targeted invested goals. Two consecutive drop in performance for this portfolio In June and July while it is up for August. In September, it has dropped more than 3%.

Year to date wise, it is also flat. Nothing exciting. On China’s end, it must have been exciting. In terms of risk, probably SA is dropping much slower than other portfolios since they are designed as such.

 

Conclusion

It is now more than one year since I started using StashAway. I still think that it has been a great supplement as a robo advisor. After using a few robo-advisors, I find that SA will play second fiddle to my Endowus Portfolio and true enough that fits exactly into how I plan it to be. Recent months, I’ve been thinking and I did not add on any regular monthly investing amount as I’m beginning to think twice about their strategy and if they have grown to a level where institutional belief is starting to take over instead of that pure robo fintech as compared to what they were in 2020.

StashAway does have their own advantages. They do hedge their portfolios against huge crashes and take a stand on some positions which I do like because a lot asset managers don’t and even though they talk big about macro. The gold move was bold but it protects the portfolio. Again, Rome wasn’t built in a day so I guess you need to safeguard some of your monies to future proof it.

To find out more about the pros and cons of using StashAway, do refer to my previous posts.

To sign up or try out Stash Away, visit the website and use my referral code at Stash Away Referral

We’ll both get up to $10,000 SGD managed for free for 6 months which is a good deal.

Disclaimer

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

The pictures were taken from the Stash Away website for this article.

StashAway Performance – August 2021

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September is here. Summer is over and fall is coming once more. The festive season is coming but for some it might be a stressful period. The pandemic situation has not taken a turn or twist. It’s not going to be any better going forward. Things will change too.

StashAway has been rather stagnant but considering the environment, I think it is holding out well. SA seems to try to take a bet around China and their recovery by doing a rebalancing. Now, is that system or human driven I question. Shouldn’t it be systematic driven for a robo advisor instead of attempting to drive better returns. With an ERAA approach, these actions seems rather active. Only time will tell.

Repeating to myself that if Mr Market decides to go either way, it would matter that much to me. Why is that so? If Mr Market drops, then I will add on more to the portfolios. If you have not taken the first step, action early so that you can start doing this early and learn from any mistakes along the way. By now, I would have decide on the main Robo to stake my money with. SA is not quite the one but let’s see how it goes. The competition remains strong.

Retirement Portfolio A (risk-14%)

To be a little honest, I am quite bored of the returns for StashAway.  This portfolio is my longest term portfolio for retirement. I felt that it could have done a lot better but I shall not look back and will pop in a little more when i contribute to my SRS account. The SRS account since first day deposit is currently at +4.33% as on 2 Sep 2021 (Time-weighted return). Oh well just +0.3% from July 2021. Performance wise, I think i is okay and also this is a super long term portfolio – I would say close to 25 years horizon so I’ll just leave it there.

 

In USD performance, that’s about +7.80% YTD (Time-weighted return). That’s quite a bit of FX i am losing out here. It increased by 0.9% from July last month and -0.8% from June. Then again, I wouldn’t sweat on the exchange rates since I am going to stay invested and into these portfolios. They are just a mean of reference as I look back at the performance. So, still high risk high returns? I think it’s more like, higher risk commensurate the higher returns but there is no guarantee.

 

Education Portfolio B (risk-16%)

This portfolio B is set out to be on a 15-18 year investment horizon. It is at +9.34% YTD on 2 Sep 2021 and It’s steady. It’s the same as the last time i measured during Dec 2020. I have been averaging in whenever there are market dips. The risk index is at 16% and I will adjust those risk levels as and when I feel that there is a risk on or off. For just a 2% risk increase, I see a better performance already. This month versus the last was +0.6%. Nothing to shout about really.

 

In USD, I’m looking at double digits +13.27% (Time-weighted returns). Again on the Forex rate as reference. This has increase by 1.2% month as compared to July.

Education Portfolio C (risk-20%)

For this portfolio, I look at this at 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. Return is at +16.78% YTD (Time-weighted return) since day one as at 2 Sep 2021. As compared to the last month, it is up by 1.2% but this is just a note to self and measure the monthly performance. Over time, more funds will be added to achieve the targeted invested goals. Two consecutive drop in performance for this portfolio In June and July while it is up for August.

 

In USD terms, we are looking at +20.98% (Time-weighted return). Looking great as usual. Although I feel that this isn’t exactly the year to take on higher risk for better returns. This has increased by 1.2% as compared to the previous month.

 

Conclusion

It is now more than one year since I started using StashAway. I still think that it has been a great supplement as a robo advisor. After using a few robo-advisors, I find that SA will play second fiddle to my Endowus Portfolio and true enough that fits exactly into how I plan it to be. Recent months, i’ve been thinking and I did not add on any regular monthly investing amount as I’m beginning to think twice about their strategy and if they have grown to a level where institutional belief is starting to take over instead of that pure robo fintech as compared to what they were in 2020.

StashAway does have their own advantages. They do hedge their portfolios against huge crashes and take a stand on some positions which I do like because a lot asset managers don’t and even though they talk big about macro. The gold move was bold but it protects the portfolio. Again, Rome wasn’t built in a day so I guess you need to safeguard some of your monies to future proof it.

To find out more about the pros and cons of using StashAway, do refer to my previous posts.

To sign up or try out Stash Away, visit the website and use my referral code at Stash Away Referral

We’ll both get up to $10,000 SGD managed for free for 6 months which is a good deal.

Disclaimer

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

The pictures were taken from the Stash Away website for this article.

StashAway Performance – July 2021

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Here we go, the second half of 2021 has arrived and it wasn’t too long before we had resolutions and new ideals. There’s only 5 months left for us to actually do anything to plug the gap. For those who actively review their goals and are on par or exceeding it. Keep on pushing, make it count. At the same time, it does seems like it has also passed rather quickly.

StashAway has been rather stagnant but considering the environment, I think it is holding out well. Then again, it is about comparison. If I compare it with my core Robo then it seem to be a tad shy from the performance. Then, they decided with an ERAA approach that has been rather active. Only time will tell if their algorithm makes the right choice and if there is some human involved, I hope it is only minimal.

Repeating to myself that if Mr Market decides to go either way, it would matter that much to me. Why is that so? If Mr Market drops, then I will add on more to the portfolios. If you have not taken the first step, action early so that you can start doing this early and learn from any mistakes along the way. By now, I would have decide on the main Robo to stake my money with. SA is not quite the one but let’s see how it goes. The competition remains strong.

Retirement Portfolio A (risk-14%)

My longest term portfolio for retirement. A little off on the performance level. I could have done a lot better but I shall not look back and will pop in a little more when i contribute to my SRS account. The SRS account since first day deposit is currently at +3.95% as on 4 Aug 2021 (Time-weighted return). Oh well. Performance wise, I think i is okay and also this is a super long term portfolio – I would say close to 25 years horizon so I’ll just leave it there.

 

In USD performance, that’s about +6.90% YTD (Time-weighted return). That’s quite a bit of FX i am losing out here. It dropped a further 0.8% from last month and 0.6% from the previous month. Then again, I wouldn’t sweat on the exchange rates since I am going to stay invested and into these portfolios. They are just a mean of reference as I look back at the performance. So, still high risk high returns? I think it’s more like, higher risk commensurate the higher returns but there is no guarantee.

 

Education Portfolio B (risk-16%)

This portfolio B is set out to be on a 15-18 year investment horizon. It is at +8.72% YTD on 4 Aug 2021 and It’s steady. It’s the same as the last time i measured during Dec 2020. I have been averaging in whenever there are market dips. The risk index is at 16% and I will adjust those risk levels as and when I feel that there is a risk on or off. For just a 2% risk increase, I see a better performance already. This month versus the last was a -0.6% drop.

 

In USD, I’m looking at double digits +12.09% (Time-weighted returns). Again on the Forex rate as reference. This has dropped almost 1% month on month for 2 consecutive months.

 

Education Portfolio C (risk-20%)

For this portfolio, I look at this at 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. Return is at +15.59% YTD (Time-weighted return) since day one as at 4 Aug 2021 Not much of it has changed or rather it has dropped slightly but this is just a note to self and measure the monthly performance. Over time, more funds will be added to achieve the targeted invested goals. Two consecutive drop in performance for this portfolio.

 

In USD terms, we are looking at +19.90% (Time-weighted return). Looking great as usual. Although I feel that this isn’t exactly the year to take on higher risk for better returns. This has dropped 1.2% month on month for two consecutive months.

 

Conclusion

It is now more than one year since I started using StashAway. I still think that it has been a great supplement as a robo advisor. After using a few robo-advisors, I find that SA will play second fiddle to my Endowus Portfolio and true enough that fits exactly into how I plan it to be.

StashAway does have their own advantages. They do hedge their portfolios against huge crashes and take a stand on some positions which I do like because a lot asset managers don’t and even though they talk big about macro. The gold move was bold but it protects the portfolio. Again, Rome wasn’t built in a day so I guess you need to safeguard some of your monies to future proof it.

Recently, there were even more adjustments to reduce USD equities allocation all together. I’m not sure if this is an ingenious move that will  reap returns in the future but it is take a small hit at the moment. I do hope there isn’t too much of a human factor in these decision.

To find out more about the pros and cons of using StashAway, do refer to my previous posts.

To sign up or try out Stash Away, visit the website and use my referral code at Stash Away Referral

We’ll both get up to $10,000 SGD managed for free for 6 months which is a good deal.

Disclaimer

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

The pictures were taken from the Stash Away website for this article.