General Investing powered by StashAway

Control your risk, maximise your returns

Invest in globally-diversified portfolios that capture long-term returns, all while keeping risk constant.

Fees as low as 0.2%

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We’re licensed by the Securities Commission Malaysia (Licence eCMSL/A0352/2018)

Control your risk, maximise your returns
Control your risk, maximise your returns

General Investing powered by StashAway®

About this portfolio

  • Keeps risk constant while optimising for returns
  • Expect long-term outperformance, and occasional deviation from how the markets are doing in order to keep your risk level constant

Number of underlying funds

  • 12-23

Average expense ratio

  • 0.2% p.a.

Portfolio Type

Risk level


Lower Risk

Higher risk



Annualised since Inception


This is how a $100,000 deposit would have grown over time

Projected returns are for illustration purposes only. We calculate these returns before fees. All returns are in MYR terms unless otherwise specified. The inception date for portfolios with SRI 6.5%, 8%, 10%, 12%, 14%, 16%, 18%, and 20% is 19 July 2017; the inception date for portfolios with SRIs of 26%, 30%, and 36% is 16 August 2018; the inception date for the portfolio with SRI 22% is 15 August 2019. Past performance is not a guarantee for future returns. Before investing, investors should carefully consider investment objectives, risks, charges and expenses, and if need be, seek independent professional advice. Our investment framework's goal isn't to beat the markets every day. In fact, depending on how much risk you decide to take, you'll likely still experience short-term volatility at times. But, through those bumps, your StashAway portfolios can recover more quickly compared to investments with the same risk level that don't maximise returns. The end result? The opportunity for less painful drawdowns in the short term, and stronger performance in the medium to long term.

Our same-risk benchmarks are proxied by MSCI AC World Index (for equities) and FTSE World Government Bond Index (for bonds). The benchmarks we use have the same 10-years realised volatility as our portfolios.

General Investing is intelligent investing

  • Gives you intelligent, global diversification across many asset classes
  • Aims to outperform the benchmark in the long term
  • Seeks optimal risk-adjusted returns in the long term
  • Powered by some of the world’s top fund managers
  • Built with cost-effective ETFs
General Investing is intelligent investing

General Investing is easy investing

  • Set up a pre-made portfolio in minutes
  • Portfolios are automatically updated by experts, so you don’t have to do a thing
  • No minimum balance or monthly requirements
  • Low fees, and never any hidden fees
  • No lock-in period
General Investing is easy investing

Check out other General Investing strategies

Get different long-term investment strategies all in one place. You can invest in one or two portfolios, or all three!

General Investing powered by BlackRock®
Get broad market exposure with our most diversified portfolio yet, with insights from one of the world's largest asset managers.
Responsible Investing with ESG powered by StashAway
Keeps your risk constant while optimising for both long-term returns and ESG impact

Want even more options for your money?

Different investment strategies seek wealth in different places. If you’re ready to start diversifying where you put your money, try any of our other investment options.

Thematic Portfolios
Add diversification to your portfolios by putting your money into trends you believe will shape the future.
Flexible Portfolios
Customise your own portfolios by picking your assets and adjusting their allocations.
StashAway Simple™
The easiest way to grow your cash. Earn a projected 3.6% p.a. on any amount.

Begin your investment journey

Start investing from as little as you want.

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Begin your investment journey
Begin your investment journey

Frequently Asked Questions

This is the measurement we use to determine how much risk our system should expose you to, which then determines your portfolio’s asset allocation. We gave it our own name not to be fancy, but because it’s a specific application of a fairly common risk metric called Value-at-Risk (VaR).

To calculate the potential loss of a portfolio in a year, we use Value-at-Risk (VaR). At StashAway, we use 99%-VaR, meaning  a portfolio has  a 99% probability of not losing more than a given percentage of assets in a year.

Here’s an example: a StashAway portfolio with RM100,000 MYR and a StashAway Risk Index of 10% has a 99% probability of not losing more than 10%, or RM10,000 MYR in a year. In other words, there is a 99% probability that your portfolio’s value won’t decrease below RM90,000 MYR if you select a 10% StashAway Risk Index.


When a particular asset reaps significant gains relative to other assets in the portfolio, its market value weight increases above target allocation. Without rebalancing, the portfolio is increasingly concentrated in the outperforming asset class hence raising risks. Our algorithm checks customer portfolios daily, and performs rebalancing when allocations deviate from targets by more than our "optimised" bands. This can happen weekly, monthly or quarterly, depending on the markets' volatility and performance.


Returns and risks of each asset class change when the economic environment changes. For example, between Jan-1982 and Dec-2016, the S&P 500 returned +16.4% year over year (yoy) in "disinflationary growth", -10.3% yoy in a "recession", +8.8% yoy in "inflationary growth" and 2.7% yoy in "Stagflation". To optimise customers' portfolios, StashAway builds portfolios that consist of a mixture of asset classes optimum for a given economic environment. Our investment framework, ERAA (Economic Regime-based Asset Allocation), identifies and signals a change in the economic cycle and our technology automatically re-optimises portfolios’ asset allocations. This change in asset allocation is important because it allows us to manage risk and improve returns in different economic environments. This change is "strategic" (can happen once a year to once every few years) but may be as frequent as 2-3 times a year if there is a lot of economic uncertainties.

When investing as an individual, there are minimum trade sizes and high transaction costs imposed on the account, and this makes investing as an individual cost-prohibitive. With StashAway, you will benefit from the constant monitoring, rebalancing, and re-optimisation that we provide. Moreover, StashAway is able to offer fractional shares to make your portfolio more precisely allocated that is nearly impossible if you were to do it on your own.

Watch: Why should I use StashAway instead of investing in the same ETFs on my own?

Learn more: Who Should Manage Your Investments?

A single return figure (Time-Weighted Returns vs Money-Weighted Returns) does not tell the whole story of how well a portfolio performs.

Returns are one thing but the level of risk exposure your portfolio has in achieving those returns is an entirely different matter. 

Remember to consider how much risk your portfolio manager exposes your money to in the name of getting your returns.

We have taken every possible measure to protect your assets, from requiring two-factor authentication for any changes and identity verification for withdrawals, building a secure server infrastructure to protect you from cyber attacks, and partnering with a large bank to store your assets. To learn more, please visit this link.

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