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Help Center - StashAway

Help Center

General Investing powered by StashAway and Goal-based investing utilise the same exact investment strategy. The difference is that compared to the General Investing portfolio, the Goal-based Investing portfolio has an additional feature that includes a personalised investment plan to achieve a particular financial goal.
 
This means that it will suggest the appropriate risk level and monthly savings plan, whereas the risk level selection and monthly investment plan with General Investing are self-directed.

What is General and Goal-based Investing?

We don’t qualify our portfolios based on expected returns. Instead, we qualify them based on how much risk to which you’ll be exposed. 
Every StashAway portfolio is defined by the StashAway Risk Index, which indicates the potential loss of a given portfolio. 
<ul>
<li style="font-weight: 400;">Core Portfolios have a StashAway Risk Index between 6.5% and 22% </li>
<li style="font-weight: 400;">Higher-risk Portfolios have a StashAway Risk Index between 26% and 36%</li>
</ul>

What’s the difference between Core Portfolios and Higher-risk Portfolios?

We display Total Returns, Time-weighted Returns (TWR), and Money-weighted Returns (MWR). The multiple ways of viewing your returns give you the flexibility to understand the performance of your individual portfolio(s) depending on how you wish to evaluate your portfolio(s).
 
What is Total Return?
Total Return is the simple return of all your portfolios’ returns in the currency terms you select to display.
 
What is Time-weighted Return?
Time-weighted Return (TWR) is commonly used in the financial industry, making it an easy metric to compare returns between different portfolio managers. TWR measures the portfolio manager’s ability to generate returns, not the effects of an investor’s deposit and withdrawal behaviors. It does this by tracking performance from the first deposit made into a portfolio.
 
What is Money-weighted Return?
Money-weighted Return helps to gauge the effectiveness of an investor’s timing of deposits and withdrawals. It does this by including the effects of multiple cash flows by assigning a weight to each of your deposits and withdrawals. In other words, a deposit or withdrawal of RM1,000 has a lesser effect on your portfolio’s return figure than a deposit or withdrawal of RM100,000.

How are my returns calculated?

For General Investing, Goal-based Investment and Thematic Portfolios, any dividend you may earn will be automatically reinvested.
You may find all dividend payments are reflected in your "Transactions" tab.

Where do dividends go?

Yes, it's completely up to you; you can stop and resume your deposits anytime.

Can I stop sending deposits for a few months and resume investments after?

Yes, you can but the name of the bank account needs to be the same as the legal name of the StashAway account holder.

Can I withdraw to a bank account that is different from the one I originally made the deposit from?

Questions about our General Investing and Goal-based portfolios