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Help Center - StashAway

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We break down your annual fee into monthly payments and we do this at the start of every month. For example, we’ll charge you January’s fees in the first week of February. We’ll also include the management fee charges in Monthly Statements, available in your account.
<span data-sheets-value='{"1":2,"2":"We charge low monthly fees for managing your portfolio based on the assets in your portfolio. The percentage fee declines as your assets grow."}' data-sheets-userformat='{"2":573,"3":{"1":0},"5":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"6":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"7":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"8":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"12":0}'>Learn more: <a href="https://www.stashaway.my/pricing" target="_blank" rel="noopener noreferrer">StashAway Pricing</a>.

When does StashAway bill me for the fees?

At StashAway, we know that high fees significantly reduce investment returns. That's why we leverage advanced technology to lower our costs of serving you. In turn, we offer these savings back to you as lower fees. 
Our technology automates repeated tasks to create sophisticated reporting to monitor investment performance. With traditional advisors, customers are paying for the inefficiencies of the wealth management industry, and that shouldn’t be the case! We know that if you do well, we'll do well too.
To learn more about how StashAway can charge lower fees, click <a href="https://www.stashaway.my/r/how-stashaway-can-charge-low-fees" target="_blank" rel="noopener noreferrer">here</a>.
 
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How can StashAway charge lower fees compared to other banks and financial advisors?

<span data-sheets-value='{"1":2,"2":"There are no fees associated with opening or closing an account."}' data-sheets-userformat='{"2":573,"3":{"1":0},"5":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"6":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"7":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"8":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"12":0}'>There are absolutely no fees associated with opening or closing a StashAway account.

What does it cost to open and close a StashAway account?

<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;We were founded on the belief that high-quality financial advice should not come at a prohibitive price and that low fees are an ingredient to our customers' long-term financial success. We are committed to keeping our fees low.&quot;}" data-sheets-userformat='{"2":573,"3":{"1":0},"5":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"6":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"7":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"8":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"12":0}'>Absolutely! We were founded on the belief that high-quality financial advice should not come at a prohibitive price, and that low fees are a key ingredient to our customers' long-term financial success. We are committed to keeping our fees low.

Will prices always remain at these low levels?

StashAway does not charge any fees for transferring money in or out of an account.
If you choose to deposit/withdraw in RM, there will be a 0.1% currency conversion charge by Citibank Malaysia. This fee is embedded in the FX rate.
If you'd like to deposit/withdraw in other currencies, our commercial banker will charge 0.1% to convert your foreign currency into RM. An additional currency conversion charge of 0.1% will then be charged to convert your RM into USD.

Are there fees for transferring money in or out of the account?

Stashaway does not charge any fee for withdrawal and you should be able to access it easily. However, our vendor charges a currency conversion fee of 0.1% on top of the transaction amount to convert USD/GBP to MYR.
Kindly also note that the withdrawal can only be made to a local Malaysian bank account that is under your name.

Do you charge a fee if I withdraw funds from my StashAway account?

If you have investments on our platform, you will be charged the appropriate fees, regardless of whether or not you sign in. We designed it this way so that you can spend more time doing what you love and less time worrying about your investments.

Am I still charged a fee even if I don’t log in often?

Please note that ETFs charge, on average, an expense ratio of 0.15%-0.25%. This is charged over the course of the year in the form of adjustments to the Net Asset Value.
 
This is not an actual cash flow borne by you. It is offset by the ETF funds before distributing the returns back to you. This expense ratio is incurred regardless of what platform you use to purchase ETFs.

Do ETFs have fees?

<span data-sheets-value='{"1":2,"2":"We only charge a monthly management fee, as a percentage of assets managed. Unlike most traditional financial managers, we do not (and never will) charge for withdrawals or account closures."}' data-sheets-userformat='{"2":573,"3":{"1":0},"5":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"6":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"7":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"8":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"12":0}'>The annual management fee is calculated as a percentage of the total assets under management, ranging from 0.2% - 0.8%, and is charged monthly on a pro-rata basis. i.e if you invested on the 15th of a particular month, we will not charge you for the first 15 days.
 
<span data-sheets-value='{"1":2,"2":"We only charge a monthly management fee, as a percentage of assets managed. Unlike most traditional financial managers, we do not (and never will) charge for withdrawals or account closures."}' data-sheets-userformat='{"2":573,"3":{"1":0},"5":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"6":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"7":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"8":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"12":0}'>The other fee included is the low fee associated with the ETFs, averaging 0.15% - 0.25%.
 
<span data-sheets-value='{"1":2,"2":"We only charge a monthly management fee, as a percentage of assets managed. Unlike most traditional financial managers, we do not (and never will) charge for withdrawals or account closures."}' data-sheets-userformat='{"2":573,"3":{"1":0},"5":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"6":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"7":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"8":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"12":0}'>Additionally, there is a currency conversion fee charged by our vendor, at 0.1% of the transaction amount. This preferential rate compares favourably against the significantly higher currency conversion fees charged by commercial/retail banks (easily between 0.35% and 0.70% depending on transaction size).
 
<span data-sheets-value='{"1":2,"2":"We only charge a monthly management fee, as a percentage of assets managed. Unlike most traditional financial managers, we do not (and never will) charge for withdrawals or account closures."}' data-sheets-userformat='{"2":573,"3":{"1":0},"5":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"6":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"7":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"8":{"1":[{"1":2,"2":0,"5":{"1":2,"2":0}},{"1":0,"2":0,"3":3},{"1":1,"2":0,"4":1}]},"12":0}'>Unlike most traditional financial managers, we do not (and never will) charge for withdrawals or account closures. More details on how StashAway can charge low fees can be found <a href="https://www.stashaway.my/r/how-stashaway-can-charge-low-fees" target="_blank" rel="noopener noreferrer">here</a>.

What are the fees associated with StashAway?

Fees are paid monthly, and are collected automatically from your account. Each of your portfolios will be charged proportionally for the fees owed by them.
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How do I pay fees?

Your StashAway Simple™ portfolio’s balance does not get included in your Asset Under Management (AUM) when we calculate your fees for your Investment Portfolios.