Passive income

New: Get regular dividend payouts with our Passive Income portfolio

We’re licensed by the Securities Commission Malaysia (Licence <a href="https://easy.seccom.com.my:8222/entityprofile/1ca93ae1-4c0e-4c55-90e0-1850600e54f6">eCMSL/A0352/2018</a>).

Referrals

We’re licensed by the Monetary Authority of Singapore (License no.&nbsp;<a href="https://eservices.mas.gov.sg/fid/institution/detail/201134-ASIA-WEALTH-PLATFORM-PTE-LTD">CMS100604</a>).

We’re licensed by the Securities and Futures Commission of Hong Kong (<a></a><a href="https://apps.sfc.hk/publicregWeb/corp/BQE542/details" target="_blank">CE No. BQE542</a>)

We’re licensed by the Securities and Exchange Commission (License no.&nbsp;<a></a><a href="https://market.sec.or.th/public/idisc/en/companyprofile/Intermediaries/0000031407" target="_blank">Lor Khor-0136-01</a>).

StashAway Management (DIFC) Limited is regulated by the DFSA (license number&nbsp;<a href="https://www.dfsa.ae/public-register/firms/stashaway-management-difc-limited">F006312</a>).

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*Jane* has invited you to invest with StashAway

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Three of the easiest ways to grow your cash. Earn a guaranteed %simple-guaranteed.rate%% p.a. with Simple Guaranteed, a projected %simplesg.rate%% p.a. with Simple and %simpleplus1.rate%-%simpleplus2.rate%% p.a. with Simple Plus. No minimum, no maximum.

StashAway Simple™ suite

Customise your own portfolios by picking your assets (choose from 55+) and adjusting their allocations. Or customise a portfolio from starting with you 3 professionally-curated templates.

Flexible Portfolios

<div><b>General Investing powered by StashAway</b> to keep your risk constant in any economic condition while also optimising for long-term returns.</div><br/><div><b>General Investing powered by BlackRock®</b> to get broad market exposure with our most diversified portfolio yet, with insights from one of the world's largest asset managers.</div>

General Investing

Save on taxes and maximise your retirement savings when you invest your Supplementary Retirement Scheme (SRS) funds.

Invest your SRS

With us, you can invest for whatever you want

        <div>Adjust your risk exposure whenever you want with no minimum balance, no lock-up, and just 0.2% to 0.8% in an all-inclusive management fee.<br><a  href="/invest">Learn more how we invest.</a></div>

        <div>Invest in ethical, responsible, and sustainable businesses, and help them make a bigger and longer-lasting positive impact on our world without sacrificing returns. </div>      

Responsible Investing (ESG)

        <div>Our Thematic Investment Portfolio adds diversification to your existing investments. Boost and grow your long-term wealth in industries you understand and believe in.</div>      

Thematic Portfolio

        With <a href="/simple">StashAway Simple™</a>, you don’t have to meet any special conditions to earn a projected 3.8% p.a. in returns. That means no minimum (or maximum) balance. And, there is no management fee.      

StashAway Simple™

<div>Align your investment strategy with life goals and gain returns that meet your real-world needs. Our Goal-based Investment portfolio consists of globally-diversified ETFs and helps you reframe wealth, your way.</div>

Goal-based Investing Portfolio

        With <a href="/simple">StashAway Simple™</a>, you don’t have to meet any special conditions to earn a projected return of %simpleae.rate%% p.a. That means no minimum (or maximum) balance. And, there is no management fee.      

There is a 99% chance that this portfolio <b>will not</b> lose more than

Below is our portfolios' annualised performance and our same-risk benchmarks' since our launch in July 2017. We compare our portfolios' performance to their respective same-risk benchmarks because risk management is a core function of our investment strategy: We designed and manage our portfolios to maximise your returns without exposing your money to excessive, unnecessary risk to earn those returns.

Our same-risk benchmarks are proxied by MSCI World Equity 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.<br /><br />Model portfolio returns are expressed in gross term before fees, withholding taxes, and reclaims on dividends. They are provided only as a gauge of pure performance before other items.<br /><br />Actual account returns may deviate from the model portfolios due to differences in the timing of trade execution (e.g. during the day vs close), timing differences and intraday volatility of reoptimisation and re-balancing, fees, dividend taxes and reclaims, etc. All returns are in SGD terms.<br /><br /> 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.<br /><br />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.<br /><br />We would like to bring your attention to a simulation error that we uncovered in February 2022. The simulation error does not affect the 'live' returns of your accounts in the App and Web App and will only result in a revision of some of the model portfolio results. This has since been rectified.<br/><br/>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.

StashAway

Benchmark

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.<br/> Here’s an example: a StashAway portfolio with $100,000 SGD and a StashAway Risk Index of 10% has a 99% probability of not losing more than 10%, or $10,000 SGD in a year. In other words, there is a 99% probability that your portfolio’s value won’t decrease below $90,000 SGD if you select a 10% StashAway Risk Index.

StashAway Risk Index

As part of our investment strategy, portfolio performances are compared to their respective same-risk benchmarks. We design and manage our portfolios so you can maximise your returns with minimal risk.

Same-risk benchmark

How this portfolio has performed compared to its same-risk benchmark

How our portfolios have performed

Our same-risk benchmarks are proxied by MSCI World Equity 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.<br /><br />Model portfolio returns are expressed in gross term before fees, withholding taxes, and reclaims on dividends. They are provided only as a gauge of pure performance before other items.<br /><br />Actual account returns may deviate from the model portfolios due to differences in the timing of trade execution (e.g. during the day vs close), timing differences and intraday volatility of reoptimisation and re-balancing, fees, dividend taxes and reclaims, etc. All returns are in USD terms.<br /><br /> 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.<br /><br />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.<br /><br />We would like to bring your attention to a simulation error that we uncovered in February 2022. The simulation error does not affect the 'live' returns of your accounts in the App and Web App and will only result in a revision of some of the model portfolio results. This has since been rectified.<br/><br/>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.

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.<br/> Here’s an example: a StashAway portfolio with $100,000 HKD and a StashAway Risk Index of 10% has a 99% probability of not losing more than 10%, or $10,000 HKD in a year. In other words, there is a 99% probability that your portfolio’s value won’t decrease below $90,000 HKD if you select a 10% StashAway Risk Index.

Below is our portfolios' annualised performance and our same-risk benchmarks' since our launch in Singapore in July 2017. We compare our portfolios' performance to their respective same-risk benchmarks because risk management is a core function of our investment strategy: We designed and manage our portfolios to maximise your returns without exposing your money to excessive, unnecessary risk to earn those returns.

Our same-risk benchmarks are proxied by MSCI World Equity 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.<br /><br />We calculate these returns before fees. All returns are in USD terms.<br /><br />Performance since launch in Singapore, 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.<br /><br />Past performance is not a guarantee for future returns. Please study the product's features, return conditions, and relevant risks before making an investment decision. Last updated July 2022.<br /><br />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.

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.<br/><br/>Here’s an example: a StashAway portfolio with ฿1,000,000 and a StashAway Risk Index of 20% has a 99% probability of not losing more than 20%, or ฿200,000 in a year. In other words, there is a 99% probability that your portfolio’s value won’t decrease below ฿800,000 if you select a 20% StashAway Risk Index.

To manage your investments, we use macroeconomic indicators so that we know about changing economic conditions long before the markets respond, data to understand how asset classes perform in different economic conditions, and thousands of hours of research and testing to select the exact asset classes that comprise your investments.

Make investments decisions with data, not with gut feelings

High risk doesn’t necessarily mean high returns. In fact, because we understand which asset classes perform best in particular economic conditions, we earn returns without exposing your money to unnecessary risk. And, with the StashAway Risk Index, you can decide exactly how much risk to which you’re willing to expose your money.