Simple Guaranteed

New: Get guaranteed returns with Simple Guaranteed

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>).

Help Center

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

An accredited investor ("AI") may generally have access to a wider range of financial products and services. 
 
To be eligible to be an AI, you must first meet eligibility criteria (please refer to "How do I qualify for AI Status?" below) and you must opt in to be an AI.
 
If you opt in to be an AI, you are regarded as having consented to and understood the following:
 
<ol>
<li> AIs are assumed to be better informed, and better able to access resources to protect their own interests. AIs therefore, require less regulatory protection. Investors who agree to be treated as AIs, therefore, forgo the benefit of certain regulatory safeguards. Investors should consult a professional adviser if they do not understand any consequences of being an Accredited Investor.</li>
<li>We have outlined a summary of the Consent Provisions and the consequences of being an AI in relation to such Consent Provisions. This applies to all advice, recommendations, offers, communications or dealings with StashAway, transactions that you carry out on any investment products or policies advised on by StashAway from time to time. This includes past and future transactions in relation to the same ("Transactions").</li>
</ol>
 
Click <a href="https://www.stashaway.sg/api/document/SASG-effect-of-treating-an-investor-as-an-accredited-investor-for-the-purpose-of-the-consent-provisions.pdf" target="_self">here</a> for more details on the Effect of Treating an Investor as an Accredited Investor for the Purpose of the Consent Provisions.
 
If you choose to be treated as an AI, this status will apply to all your account(s), investments, holdings, and dealings with StashAway going forward.

What does it mean to be an AI?

What does it mean to be an Accredited Investor

Accredited Investors

StashAway’s investment products use ETFs because they are exchange-listed products with deep liquidity, high trading volumes, and have very low expense fees.
 
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To learn more about how StashAway selects ETFs, click <a href="https://www.stashaway.sg/r/how-stashaway-selects-etfs" target="_self">here</a>.

Why does StashAway invest in ETFs?

StashAway offers a wide range of low-cost investment options, unlike traditional advisors who charge high fees and offer one-size-fits-all investment packages.
 
We use advanced technology that maximises intelligence through complex algorithms that consider your personal goals, and market performance. StashAway is a more efficient alternative to a traditional advisor, designed by expert investors to manage portfolios.
 
Additionally, StashAway has no minimum deposit, no lock-up period, and no withdrawal fees, and offers an intuitive digital platform to keep track of your investments.

How is StashAway different from other financial advisors?

General questions about how StashAway works

General Questions

You can download the StashAway mobile app and explore our features, portfolios, and how you can create or add goals. Alternatively, you can open an account via our StashAway Web Application, click on the “<a href="https://app.stashaway.sg/register" target="_self" rel="undefined">Create account</a>” button located on the top-right of our website.
 
If you have any questions our support team will be happy to help! You can contact us at <a href="mailto:support@stashaway.sg" target="_self">support@stashaway.sg</a> or <a class="c-link" target="_blank" rel="noopener noreferrer" data-stringify-link="tel:+6569581052" data-sk="tooltip_parent" aria-describedby="sk-tooltip-487415">+65 6958 1052 </a>(9 am to 6 pm, Monday to  Sunday, excluding public holidays).
 
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How do I get started?

Yes, non-Singaporean and Singaporean PRs can open an account with us. However, we’re currently unable to offer our services to citizens and residents of certain countries, such as citizens/tax residents of the US and other countries that aren’t listed under the Gulf Cooperation Council (GCC).
 
Feel free to reach out to our Client Experience team for more information.
 
For those who are eligible to open an account with us, here’s what you can expect when investing with StashAway:
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I am not Singaporean/PR; can I open an account?

We ask you explicitly about your risk preferences during the initial financial assessment. Additionally, we give you the option to adjust the risk index for each portfolio as you wish.
 
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How do you understand my attitude towards risk?

During the account opening process, we ask questions about your preferences to gain an understanding of your current financial situation. 
 
In the financial assessment that customers are required to complete before opening an account, we ask about risk preferences, goals, current financial situations, and investment experience. 
We use this information to make recommendations for you. 
 
For example, based on the information you provided when filling out your profile, our algorithm may cap your risk limit.
 
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How is my portfolio personalised for me?

Frequently asked questions about opening an account and the app

Getting Started

<span data-sheets-value='{"1":2,"2":"ETFs, or exchange-traded funds are funds that are traded like stocks, but have the diversified portfolio structures of a mutual fund. ETFs provide passive exposure to any asset class by mirroring the returns of an index. For example, the SPDR SPY P&amp;P500 is an ETF that tracks the performance of the S&amp;P500"}' 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}'>An ETF, or an exchange-traded funds, is an index-tracking investment vehicle listed on a major exchange. Indices are composed of asset classes, such as stocks or bonds, in a particular segment of the market, such as technology, energy, or real estate. ETFs are funds that are traded like stocks, but have the diversified portfolio structures of a mutual fund. ETFs provide passive exposure to any asset class by mirroring the returns of an index. For example, the SPDR SPY S&amp;P500 is an ETF that tracks the performance of the S&amp;P500.
 
ETFs offer diversification, higher liquidity than individual securities, and lower fees.
 
<span data-sheets-value='{"1":2,"2":"ETFs, or exchange-traded funds are funds that are traded like stocks, but have the diversified portfolio structures of a mutual fund. ETFs provide passive exposure to any asset class by mirroring the returns of an index. For example, the SPDR SPY P&amp;P500 is an ETF that tracks the performance of the S&amp;P500"}' 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.sg/r/what-is-an-etf" target="_blank" rel="noopener noreferrer">What is an ETF?</a>

What is an ETF?

Based on your risk preferences, selected goal, and current economic regime, our algorithm carefully picks the ETFs most suitable for your goal. This allows us to provide the most optimal diversification personalised to you.
 
As such, it is not possible for an investor to handpick the ETFs or the allocation for most of our investment products.
 
However, we do offer Flexible Portfolios, in which you can pick the asset classes you want, decide your exact allocations, and change them at any time. Find out more about Flexible Portfolios <a href="https://www.stashaway.sg/help-center/6430844027673-what-are-flexible-portfolios" target="_self" rel="undefined">here</a>.

Can I choose which ETFs or securities I invest in?

Our investment strategies can be categorised into two different types of portfolios:
 
1. StashAway’s portfolios that are guided by ERAA® (Economic Regime-based Asset Allocation) include the General Investing Portfolio, Income Portfolio, Thematic Portfolios, Responsible Investing Portfolio, Flexible Portfolios, StashAway Simple and StashAway Simple Plus.
To find out more about ERAA®, click <a href="https://www.stashaway.sg/r/stashaways-asset-allocation-framework" target="_self">here</a>.
 
2. General Investing Portfolio by BlackRock that provides investors with the broadest market exposure.
To find out more about General Investing Portfolio powered by BlackRock, click <a href="https://www.stashaway.sg/help-center/9547854203161-general-investing-powered-by-blackrock" target="_self">here</a>.

What is your investment strategy?

The portfolio returns on our website and app are benchmarked against the MSCI All Country World Index (MSCI ACWI) for equities and the FTSE World Government Bond Index for bonds.
 
These benchmarks apply for the following portfolios:
<ul class="wysiwyg-text-align-justify">
<li>General Investing powered by StashAway</li>
<li>General Investing powered by BlackRock®</li>
<li>Responsible Investing</li>
</ul>
Like our General Investing and Responsible Investing portfolios, the MSCI ACWI includes exposure to equities in both developed markets (such as the US, Western Europe, Australia, and Japan) and emerging markets (such as China, Brazil, and India).

What are the benchmarks StashAway uses?

Trades are executed every business day.

How often does your investment team make trades?

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 $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.
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What is the StashAway Risk Index?

Questions about our portfolios and investment framework

Investments

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 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 $1,000 SGD has a lesser effect on your portfolio’s return figure than a deposit or withdrawal of $100,000 SGD.

How are my returns calculated?

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

General & Goal-based Investing

Both General Investing portfolios are designed to deliver long-term outperformance of their benchmarks. Where they differ is in their asset allocation strategy.
 
General Investing powered by StashAway keeps a portfolio’s risk exposure constant while optimising for long-term returns, which means you can expect occasional deviation from how the markets are doing in order to keep your risk level constant.
 
General Investing powered by BlackRock® provides broader market exposure, which means you can expect ups and downs that follow market trends.
 
BlackRock® is a registered trademark of BlackRock, Inc. and its affiliates (“BlackRock”) is used under license.  BlackRock is not affiliated with StashAway and therefore makes no representations or warranties regarding the advisability of investing in any product or service offered by StashAway. BlackRock has no obligation or liability in connection with the operation, marketing, trading or sale of such product or service nor does BlackRock have any obligation or liability to any client or customer of StashAway.
For StashAway General Investing portfolios that are powered by BlackRock, BlackRock provides StashAway with non-binding asset allocation guidance. StashAway manages and provides these portfolios to you, meaning BlackRock does not provide any service or product to you, nor has BlackRock considered the suitability of its asset allocations against your individual needs, objectives, and risk tolerance. As such, the asset allocations that BlackRock provides do not constitute investment advice, or an offer to sell or buy any securities.

What’s the difference between General Investing powered by StashAway and General Investing powered by BlackRock®?

BlackRock® receives the total expense ratio of the ETFs purchased by StashAway clients.
 
Although BlackRock provides the investment strategy and asset allocation, the management fee for all General Investing portfolios covers all trade execution, deposits, withdrawals, rebalancing, and customer support, which are all handled by StashAway.
 
BlackRock® is a registered trademark of BlackRock, Inc. and its affiliates (“BlackRock”) is used under license. BlackRock is not affiliated with StashAway and therefore makes no representations or warranties regarding the advisability of investing in any product or service offered by StashAway. BlackRock has no obligation or liability in connection with the operation, marketing, trading or sale of such product or service nor does BlackRock have any obligation or liability to any client or customer of StashAway.

Does BlackRock make money out of the General Investing portfolios powered by BlackRock®?

All General Investing portfolios available on StashAway are suitable for long-term investors. They are designed to outperform their respective benchmarks in the long term.
 
So how are the General Investing portfolios different?
In the pursuit of long-term returns, the objective of General Investing and Responsible Investing powered by StashAway is to keep a portfolio’s risk constant so that the investor is never overexposed to risk when seeking returns. What this could mean is that a StashAway-powered portfolio might behave better or worse than market conditions at times in order to keep risk constant.
In contrast, General Investing powered by BlackRock® provides an investor broader exposure to the market, which results in an investing experience that generally follows the ups and downs of the markets.
 
 So which one should you have?
You may want to ask yourself whether you prefer a risk-first approach or a strategy that follows the markets. Given that they have different approaches to achieving long-term results, some clients may prefer to diversify their investment strategies by having both.
Remember, whichever you choose, these are long-term investment strategies. Successful investing depends on deposit behaviour, so we highly recommend dollar-cost averaging to get the most out of any General Investing portfolio.
 
BlackRock® is a registered trademark of BlackRock, Inc. and its affiliates (“BlackRock”) is used under license.  BlackRock is not affiliated with StashAway and therefore makes no representations or warranties regarding the advisability of investing in any product or service offered by StashAway. BlackRock has no obligation or liability in connection with the operation, marketing, trading or sale of such product or service nor does BlackRock have any obligation or liability to any client or customer of StashAway.
For StashAway General Investing portfolios that are powered by BlackRock, BlackRock provides StashAway with non-binding asset allocation guidance. StashAway manages and provides these portfolios to you, meaning BlackRock does not provide any service or product to you, nor has BlackRock considered the suitability of its asset allocations against your individual needs, objectives, and risk tolerance. As such, the asset allocations that BlackRock provides do not constitute investment advice, or an offer to sell or buy any securities.

How should I choose between General Investing powered by BlackRock® and General Investing powered by StashAway?

StashAway and BlackRock® have partnered to offer a suite of globally diversified multi-asset model portfolios that are built from BlackRock’s analytics and ETFs, which are managed by StashAway. The portfolios will be available to investors via the StashAway app.
 
BlackRock provides clients all insights and asset allocations to StashAway for General Investing powered by BlackRock. StashAway manages the trade execution, deposits, withdrawals, rebalancing, and customer support.
 
BlackRock® is a registered trademark of BlackRock, Inc. and its affiliates (“BlackRock”) is used under license.  BlackRock is not affiliated with StashAway and therefore makes no representations or warranties regarding the advisability of investing in any product or service offered by StashAway. BlackRock has no obligation or liability in connection with the operation, marketing, trading or sale of such product or service nor does BlackRock have any obligation or liability to any client or customer of StashAway.
For StashAway General Investing portfolios that are powered by BlackRock, BlackRock provides StashAway with non-binding asset allocation guidance. StashAway manages and provides these portfolios to you, meaning BlackRock does not provide any service or product to you, nor has BlackRock considered the suitability of its asset allocations against your individual needs, objectives, and risk tolerance. As such, the asset allocations that BlackRock provides do not constitute investment advice, or an offer to sell or buy any securities.

What is the relationship between BlackRock® and StashAway?

You can buy individual ETFs from their brokers but what we offer that isn’t available with a broker is the rebalancing and re-optimisation that only comes with professionally-managed portfolios.

I can access these ETFs on my broker. Why wouldn’t I just buy them there?

Questions about General Investing powered by BlackRock®

General Investing powered by BlackRock®

For the Income Portfolio, you can choose to either reinvest the dividend payouts or have the payouts sent to your personal bank account.
 
However, if you choose SRS as a source of funds, the dividends will automatically be reinvested into your Income Portfolio.
 
All dividend payments are reflected in your "Transactions" tab.

Where do dividends from my Income Portfolio go?

Here are Income Portfolio’s gross returns for the last four quarters, assuming that distributions are reinvested.
<img src="https://stashaway.zendesk.com/hc/article_attachments/20663125371417" alt="202307-FAQ-Returns-Tables-Quarterly-returns-update--Income-SG.png">
Past performance is not a guarantee for future returns. Do note that gross returns are not inclusive of fees. Last updated on 14 July 2023.

What are Income Portfolio’s past returns?

Questions about our SGD denominated, SG-focused Income Portfolio

Income Portfolio

Thematic Portfolios are a long-term investment product which allows you to invest in what you believe could transform the world. They are aimed to maximise exposure to promising long-term trends within your risk preference. Thematic Portfolios are grouped around different promising trends and are composed of exchange-traded funds (ETFs), as well as balancing assets (non-thematic instruments). You can learn more <a href="https://www.stashaway.sg/r/introducing-thematic-portfolios" target="_self">here</a>.

What are Thematic Portfolios?

Thematic Portfolios can be a strong addition to a core investment strategy. Thematic Portfolios have a lot of long-term equity exposure, making them a great way to add diversification to your existing investment plan.
 
Thematic Portfolios are at higher risk compared to our General Investing portfolios. This means that they’re certainly not a replacement for a balanced retirement plan and other savings plans, but they do have the potential to complement long-term financial plans. If you’re a starting investor we recommend you take a look at our <a href="https://www.stashaway.sg/how-we-invest" target="_self">General Investing portfolio</a>.

How do Thematic Portfolios fit into my financial plan?

Our annual management fee for Thematic Portfolios ranges between 0.2% and 0.8%, average expense ratio charged by ETF fund managers is 0.52%. However, there's no minimum investment amount and no subscription, switching, and rebalancing fees. Learn more about our pricing <a href="https://www.stashaway.sg/pricing" target="_self">here</a>.

What are the fees involved in Thematic Portfolios?

Our investment team has narrowed down hundreds of the world's best thematic ETFs by analysing three criteria. How efficiently the fund is managed by evaluating their tracking error versus the target asset class, how cost-efficient the fund is (total expense ratio), and how easy it is to redeem and invest into the fund (liquidity).

How are the thematic ETFs selected?

When you create Thematic Portfolios with StashAway, you choose the StashAway Risk Index (SRI). Based on the risk you select, we’ll maximise your exposure to the themes and add the so-called balancing assets as the remainder. Balancing assets are the non-thematic instruments included in your Thematic Portfolios to ensure your risk levels are under control.

What does ‘balancing assets’ mean?

We selected the themes while looking at the latest thematic investing trends and theme performance in the market. In addition, the demand for these themes also came from our clients - we did user research which showed a clear interest to invest in these topics.

How were these themes selected?

Our approach with Thematic Portfolios ensures maximum exposure to the selected themes while keeping your risk preferences in mind. In addition, the composition of our portfolios is designed to bring extensive diversity to your portfolios. Each Thematic Portfolio is intelligently diversified with ETFs that provide you exposure to multiple sub-themes.

Why should I invest in Thematic Portfolios with StashAway instead of doing it myself?

Conventional sector investing is investing in an industry or sector of the economy, for example, real estate or renewable energy. Thematic investing, in contrast, is investing in one topic, however, across several industries. Let’s take healthcare innovation, for example. Healthcare innovation, as a theme, has been adopted across various industries, such as biotech, genomics, medical devices, and many more. And this industry-wide spread approach, known as thematic investing, gives you a much greater diversification compared to sector investing.

What’s the difference between sector investing and thematic investing?

Responsible Investing is an ESG-optimised (Environmental, Social, and Governance) portfolio. When you invest in this portfolio, you are supporting a broad range of companies that make a positive social and environmental impact on society, and consider factors such as sustainability, diversity, inclusion, transparency, and community as part of their business operations. In other words, it is industry-agnostic. Through this portfolio, you have the option to build your core wealth with ESG aligned principles. 
 
In contrast, Environment and Cleantech focuses on the environment industry specifically. It is a thematic portfolio that invests in innovative low-carbon technologies and sustainable solutions to fight climate change, such as solar energy. The companies in this portfolio have business operations that are directly relevant to clean energy, green growth, clean water, and sustainable waste management. As with our other Thematic Portfolios, Environment and Cleantech provides an option to diversify your investments.

What is the difference between the Responsible Investing Portfolio and the Environment and Cleantech Thematic Portfolio?

We recommend investors take a longer-term mindset with Thematic Portfolios, and consider an investment period of at least 5-7 years. Thematic Portfolios are investments aimed to capitalise on long-term changes, and it takes time for full adoption of structural changes and the winners in each space emerge.

What’s the recommended investment timeline for Thematic Portfolios?

The StashAway Risk Index (SRI) for Thematic Portfolios ranges from 20% to 45%. Learn more about SRI <a href="https://www.stashaway.sg/r/which-stashaway-risk-index-should-you-choose" target="_self">here</a>.

What’s the maximum risk I can choose with Thematic Portfolios?

It's really up to you! You can invest in multiple thematic portfolios with different themes and StashAway Risk Indexes.

How many themes can I invest in?

There’s no minimum amount to start investing in Thematic Portfolios.

What’s the minimum amount required to invest in Thematic Portfolios?

We don’t share expected returns or projections because thematic investing is inherently very volatile. In other words, projections based on historical returns for Thematic Portfolios could be misleading. What’s most important is to pick the most suitable SRI for your risk preferences: There will be short-term ups and downs, and riding them out is the key to capturing the large potential returns that can come with thematic investing.

What are the expected returns on Thematic Portfolios?

The composition of Thematic Portfolios can possibly change after some time. Thematic Portfolios, as with all our investment products, are subject to re-optimisation. The basis of our investment strategy is to build portfolios with particular asset allocations that are optimal for four different economic cycles. When our investment team identifies and signals a change in the economic cycle, our technology automatically re-optimises all portfolios' asset allocations. Re-optimisation is applied to keep your risk profile constant while maximising long-term returns. You can learn more about it <a href="https://www.stashaway.sg/faq/360010099173-what-is-re-optimisation" target="_self">here</a>.

Will the composition and asset allocation of Thematic Portfolios always stay as it is right now?

No. The composition of our Thematic Portfolios are conventional ETFs, so currently this investment product is not shariah-compliant.

Are our Thematic Portfolios shariah-compliant?

Thematic Portfolios

Responsible Investing is a more socially or ethically responsible form of investing that filters for companies and funds with high ESG (Environmental, Social, and Governance) scores. It takes ESG factors into account and invests in companies deemed to have positive social impact relating to sustainability, diversity, representation, corporate governance, and community. It also means reducing exposure from companies whose business operations have a negative social impact such as the sale of weapons, or may profit from unsustainable environmental practices such as the use of coal or fossil fuels. 
 
Since Responsible Investing is an ESG-focused adaptation of our classic General Investing Portfolios, it is optimised for both performance and ESG. In other words, it provides an option to build your core wealth with ESG aligned principles, making it ideal for long-term financial goals such as saving for retirement.

What is Responsible Investing?

Questions about our ESG-focused General Investing portfolios

Responsible Investing (ESG)

StashAway Simple™ Plus is our Singapore-Dollar cash management portfolio that offers a yield to maturity (YTM), which updates only once a month. To see the latest YTM and learn more about Simple Plus <a href="https://www.stashaway.sg/simple-plus">here</a>.

What is StashAway Simple™ Plus?

Yield to Maturity (YTM) is the total return anticipated on a bond if held until maturity, inclusive of the interest payments you’ll receive and any difference in the current price of the bond versus its maturity price (which is the same at the point it is issued). It is expressed as an annual percentage rate. We always note the date at which the YTM calculation is based until.
 We recommend a minimum of 12 months in order to allow for a large portion of the bonds to fully mature.

What is yield to maturity?

No, this is not a guarantee. If you are looking for a guaranteed rate, check out our Simple Guaranteed portfolio. The value of the portfolio is subject to market volatility, such as from changing interest rates. This is why we have a recommended holding period of at least 12 months, in order to allow more time for bonds to mature within the portfolio.

Will my actual returns always match the yield to maturity?

There is no lock-in period for your Simple Plus portfolio. 
 
However, because the yields of some of the underlying funds are sensitive to daily market movements, it’s possible that the yield could fluctuate at any time. So to reap the full benefit of the rate, we recommend to keep your cash for at least 12 months.

Is there a lock-in period for Simple Plus? When can I withdraw?

Questions about our cash management portfolio

StashAway Simple™ Plus

StashAway Simple™ is our Singapore Dollar cash management portfolio that is available to both retail and accredited investors with a projected portfolio rate of 3.6% p.a. which is inclusive of all fees.
 
StashAway doesn’t charge any management fees for this portfolio as of now, however, StashAway will start charging 0.15% p.a. from July 1, 2023. There’s also an expense ratio the fund manager charges and that fee is embedded in the projected rate. The fund manager rebates 50% of the fee to StashAway, and we rebate 100% of it to our customers after every quarter. The balance in a Simple portfolio does not get included in the AUM calculation for our management fee for our other investment products.
 
<iframe src="//www.youtube-nocookie.com/embed/aW_oFmNABKY" width="560" height="315" frameborder="0" allowfullscreen=""></iframe>
 
Note that the pricing information in the video has changed, find the latest pricing information on this page below. <a class="c-link" href="https://www.stashaway.sg/help-center/900000740363-what-is-stashaway-simple" target="_blank" rel="noopener noreferrer" data-stringify-link="https://www.stashaway.sg/help-center/900000740363-what-is-stashaway-simple" data-sk="tooltip_parent">StashAway Simple Pricing</a>

What is StashAway Simple™?

Your Simple portfolio earns returns in two ways.
<ul>
<li>
Capital Appreciation: The value of your funds in Simple will increase as the underlying fund appreciates in value. While Simple grows in different ways, the majority of your returns will come from capital appreciation and will be updated daily from Tuesday to Saturday, excluding public holidays in Singapore.</li>
<li>
Quarterly Rebates: We receive rebates from the underlying fund manager and return 100% of them back to you. You’ll see them credited into your portfolio after the end of each quarter.</li>
</ul>
The projected return for Simple is 3.6% p.a. And while we do our best to ensure the closest possible match between the projected rate and actual returns, <a href="https://www.stashaway.my/help-center/17465879214105-will-the-returns-of-simple-always-match-the-projected-rate">there are two main reasons why they might vary</a>. 
 
You can view the breakdown of your returns in Simple through the monthly statement on the mobile app or website.
Mobile App: Open the App &gt; Tap on the 3 lines at the top left &gt; Tap on Monthly Statement
Website: Login into your account &gt; Click on your name at the top right &gt; Click on Monthly Statement

How does my Simple earn returns?

StashAway Simple™ is an ultra-low risk cash management portfolio that invests in a money market fund and an enhanced liquidity fund.

Is StashAway Simple risky?

All three are cash management portfolios that help you to earn more on your cash with ultra-low risk. True to the Simple brand, there’s no minimum balance, no cap on the balance that can earn returns, and no other investment, insurance, or salary requirements for any of them. However, there are some key differences:
<img src="https://stashaway.zendesk.com/hc/article_attachments/17831667529241" alt="202302-Simple-Guaranteed-FAQs--Questions-12-Table.jpg">
 
The advertised rates for all of our cash management portfolios are always inclusive of any underlying costs including the fees above. Check the latest rates on the <a class="c-link" href="https://stashaway.app.link/" target="_blank" rel="noopener noreferrer" data-stringify-link="https://stashaway.app.link" data-sk="tooltip_parent">mobile app</a> or <a class="c-link" href="https://www.stashaway.sg/simple-guaranteed" target="_blank" rel="noopener noreferrer" data-stringify-link="https://www.stashaway.sg/simple-guaranteed" data-sk="tooltip_parent">website</a>.
 
There are different criteria to consider when choosing a cash management portfolio. Instead of instinctively choosing the highest rate, ask yourself how much risk you’re willing to take and how long you’re ready to keep your funds invested.

How is StashAway Simple™ different from Simple Plus and Simple Guaranteed?

StashAway Simple™

Simple Guaranteed is a cash management portfolio that places your funds into a fixed deposit. Simple Guaranteed gives you guaranteed returns on any amount. Here’s how it works, in a nutshell:
<ol>
<li>Create a Simple Guaranteed portfolio</li>
<li>Transfer funds into the portfolio</li>
<li>Lock in the prevailing rate when you like it</li>
<li>Collect your initial contribution and returns after 6 months</li>
</ol>

What is StashAway Simple™ Guaranteed?

No. Once you lock in your guaranteed rate, it’ll remain fixed throughout the 6-month lock-in period. But until then, the portfolio’s rate can change daily.

Can the guaranteed rate change?

Yes, there’s a 6 month lock-in period for Simple Guaranteed.

Is there a lock-in period?

After you transfer funds into Simple Guaranteed, you can then choose to lock in the rate. That’s the rate your funds will earn over the next 6 months, and you won’t be able to change it. Your funds will not earn any returns till you lock in the rate.

What does “locking the rate” mean?

We review the rate daily and update it if there's a change. Note that rate updates only when you haven’t locked in the prevailing rate yet.

 How often does the rate change? 

You can lock in your rate anytime from 11am Monday to 3pm on Friday with the exception of 3-4pm when we’ll be reserving this time for maintenance work.

Can I lock in the rate for my portfolio anytime?

No, you can transfer any amount starting from as low as $1. Whatever amount you choose, just make sure that you won’t need it for the next 6 months.

Is there a minimum or a maximum investment amount?

See the table below for estimated timelines depending on the different funding methods. Once the funds have arrived, you’ll be able to lock in your rate.
<img src="https://lh4.googleusercontent.com/LFmSeo1wqB_vmmJYs04VVn4S0Jq92X1agWx-kkBckETQPWMRvFR8L_0aNkR2_kulkpdK0p67qkbnkcpGiYARrs502TiSIjJ-ZZGLxl_HZf0hEMYNKhg2bLONoa_mB5qhvelsmi-JlFpGnFj0EIyJMAw">

How long does it take for my funds to reach my Simple Guaranteed portfolio?

You won’t be able to top up or withdraw from a locked Simple Guaranteed portfolio for 6 months. Therefore, whatever amount you invest will remain fixed during the lock-in period. Alternatively, you can always create an additional Simple Guaranteed portfolio and have multiple portfolios earning returns at the same time. At the end of the lock-in period, you’ll be able to top up or reduce your investment amount and create another Simple Guaranteed portfolio with a 6-month lock-in.

Can I top up or withdraw my money before the end of the lock-in period?

There’s no limit to the amount of portfolios you can have, so you can have as many as you like.

How many Simple Guaranteed portfolios can I have?

Yes, corporate clients can use Simple Guaranteed portfolio. Please contact us at <a href="mailto:support@stashaway.sg">support@stashaway.sg</a>.

Can a corporate open a Simple Guaranteed portfolio?

All three are cash management portfolios that help you to earn more on your cash with ultra-low risk. True to the Simple brand, there’s no minimum balance, no cap on the balance that can earn returns, and no other investment, insurance, or salary requirements for any of them. However, there are some key differences:
<img src="https://lh4.googleusercontent.com/lmAtBMvpCJhLPn22Ae18aZTJXFvXMiT58Ojn_dq3b8Uup70FBDapInUG9hX9vyMustw2FMyyLcI4tYZAw8-IJ49fhF5DmLk1bnw8WPzlUSSUlkadcWrEL_Gj7RA_xxL3-3DnvZO0uc2TpsLkqgBoWmc">
 
The advertised rates for all of our cash management portfolios are always inclusive of any underlying costs including the fees above. Check the latest rates on the <a class="c-link" href="https://stashaway.app.link/" target="_blank" rel="noopener noreferrer" data-stringify-link="https://stashaway.app.link" data-sk="tooltip_parent">mobile app</a> or <a class="c-link" href="https://www.stashaway.sg/simple-guaranteed" target="_blank" rel="noopener noreferrer" data-stringify-link="https://www.stashaway.sg/simple-guaranteed" data-sk="tooltip_parent">website</a>.
 
There are different criteria to consider when choosing a cash management portfolio. Instead of instinctively choosing the highest rate, ask yourself how much risk you’re willing to take and how long you’re ready to keep your funds invested.

How is Simple Guaranteed different from Simple and Simple Plus?

Returns are guaranteed because we invest funds in a fixed deposit with a partner bank. At the end of the 6-month lock-in period, you'll receive returns from the underlying fixed deposit at the guaranteed rate that you locked in at the beginning of the lock-in period.

How are the returns guaranteed?

You can either reinvest or withdraw your funds when your Simple Guaranteed portfolio matures. Rest assured we’ll notify you when the lock-in period comes to an end. Note that should you decide to leave your funds in Simple Guaranteed, they won’t earn any returns following the lock-in period unless you lock them in again with a new rate.

What happens to my funds after 6 months?

We take a small spread, which is the difference between the yield that we get from the bank and the one we deliver to you. This spread isn’t an additional fee to you, and you’ll still get the guaranteed rate. In other words, the rate you see is the rate you get. This spread helps us stabilise the rate, which fluctuates, and cover the costs of bringing the product to you.

How is it possible that Simple Guaranteed doesn’t have a fee?

There are a few key differences between a classic fixed deposit account at a bank and Simple Guaranteed.
<img src="https://lh5.googleusercontent.com/rGBHWG8w6_MI2V-gilTW8-3TfVIm1nJH3iGVSQgiZVh5MoArQLbsQ5n4KkzC-SDh5OvfLLQTYJvvd3MIJaqFzYzh5Puk9JD6W-Ay0snhjQqulf0kRfIQndn328K2lqJTCYtvbgvKOiYOr2D0mZfK_8c">
SDIC insures Singapore dollar denominated deposits placed with respective institutions in Singapore. Learn more about <a href="https://www.sdic.org.sg/public/di_scope_of_coverage">SDIC here</a>.

What’s the difference between Simple Guaranteed and a fixed deposit account?

You can keep your funds indefinitely in your Simple Guaranteed account even after the 6-month lock-in period. However, since it won’t be earning a rate, it may be a good idea to lock it again if you don’t need the cash for another 6 months or invest anywhere else.

How long can my funds stay unlocked in my account after the lock-in period?

See the table below for estimated timelines of withdrawals from Simple Guaranteed.
<img src="https://lh5.googleusercontent.com/2trSkDbnHbhL4jCK9AGFtD0zB7f3-SAfd3WW9TEEQBo7le2mw_OgGuKAG9hIqmjAsQ6PzTM7N7siCyVYsHWDkInvDnoKtmBHRsTw7qi75XADI62JXlskpqZfnc1Fy5YuKRWtW8sQGzSokYpz2An87NQ">
After the 6-month lock-in period ends, you’ll be able to reinvest your funds into any other StashAway portfolio, including a new Simple Guaranteed portfolio with a new rate. Alternatively, you could withdraw your funds.

How long will it take me to withdraw my funds from Simple Guaranteed?

The only risk associated with Simple Guaranteed is the unlikely event that our banking provider Citibank N.A., Singapore Branch was to go insolvent. However, Citibank is one of the top 3 largest banks globally. As a Global Systemically Important Bank (G-SIB), Citibank is subject to stringent regulations, higher supervisory expectations, and a requirement to maintain a higher level of capital, ensuring it can meet its obligations to depositors even in times of financial stress.

Are there any risks associated with Simple Guaranteed?

Can I invest my SRS funds into Simple Guaranteed?

No. We calculate the fees for your investment portfolios separately, so your Simple Guaranteed portfolio’s balance won’t count towards your total assets under management.

Is my balance in Simple Guaranteed included when calculating my overall management fees from all investment portfolios? 

StashAway Simple™ Guaranteed

With Flexible Portfolios, you get the freedom to customise portfolios the way you want. You can choose which asset classes to include and adjust their allocations according to your preferences. You’ll also be able to create a portfolio from scratch or start with one of our template portfolios.

What are Flexible Portfolios?

Flexible Portfolio templates allow you to customise your portfolio from a pre-built template curated by our investment team. We currently offer 3 different templates: Risk-focused, Passive Income, and World Index Tracking. Whichever template you chose, you can decide which assets to include or remove, and adjust their allocations according to your preferences. See our <a href="https://www.stashaway.sg/r/flexible-portfolios-fund-selection" target="_self">Flexible Portfolios’ fund selection</a>.

What are the Flexible Portfolio templates?

The Risk-focused template is designed to build the foundation of your wealth with globally-diversified assets that align with your risk appetite. It offers 5 different Risk Levels and has exactly the same composition as our signature General Investing powered by StashAway portfolios. But with the template, you’ll be able to adjust assets and their allocations based on your preferences. Do note that if you decide to make changes to your template portfolio, your overall portfolio risk might change, too. You will be able to see it in the app. See our <a href="https://www.stashaway.sg/r/flexible-portfolios-fund-selection" target="_self" rel="undefined">Flexible Portfolios’ fund selection</a> for more details.

What is a Risk-focused template and what does it comprise of?

The Passive Income template offers a 99% exposure to a variety of bond assets. This template may suit you if you’d like to create an additional income stream. You can choose from 2 risk levels that offer different risk-reward ratios. Do note that if you decide to make changes to your template portfolio, your overall portfolio risk might change too. See our <a href="https://www.stashaway.sg/r/flexible-portfolios-fund-selection" target="_self" rel="undefined">Flexible Portfolios’ fund selection</a> for more details.

What is Passive Income template and what does it comprise of?

Tracking market indexes is a popular method of long-term wealth accumulation, since they typically cover a broad range of diversified assets. For instance, global market indexes provide investment exposure to the whole world, reducing the impact of volatility from being overexposed to one region or industry. The World Index Tracking template offers 3 different Risk Levels. See our <a href="https://www.stashaway.sg/r/flexible-portfolios-fund-selection" target="_self" rel="undefined">Flexible Portfolios’ fund selection</a> for more details.

What is World Index Tracking template and what does it comprise of?

Yes, you can invest your SRS to any of the Flexible Portfolios, including those built by you or any of our templates. Do note that you won’t be able to get dividend payouts if you chose SRS as source of funds.

Can I invest my SRS with Flexible Portfolios?

We manage your portfolio by maintaining your asset allocations according to the proportions you set, including when market conditions change. We’ll also notify you if there are any major changes to your Flexible Portfolio’s Risk Level.

How does StashAway manage my Flexible Portfolio?

Yes, we’ll rebalance templates just like any other Flexible portfolio. Rebalancing a portfolio involves maintaining the target allocation that you set. We rebalance your portfolios because market movements can affect the price of assets, which in turn affects their proportions within your portfolio.

Will my templates be rebalanced? 

Yes, there’s no limit to how many template portfolios you can have.

Can I have multiple template portfolios?

No, we won’t reoptimise your templates, just like any other Flexible Portfolio. Reoptimisation refers to the changes we make to other portfolios managed by us, in order to keep our clients’ risk profile constant during shifts in economic conditions. When this happens, we may introduce new ETFs or change the weightage of existing ETFs in our clients’ asset allocation.

Will my templates get reoptimised?

Questions about customizing your own portfolios

Flexible Portfolios

Our financial planning tool can help you plan and take control of your financial future by analysing your current assets and liabilities, and how they contribute to your goal of reaching financial freedom. By periodically updating your financial details, you can also view your progress and stay on track to reach your goal of financial freedom.

How can StashAway help me with my financial plan?

Questions about our financial planning tool

Financial Planning

Firstly, your scheduled deposit wouldn't reach the StashAway portfolio you intended to deposit into. Secondly, since your bank would have to cancel your eGIRO deposit, it might charge a cancellation fee. Fees can vary depending on your bank.
 
To prevent this from happening, do make sure that your bank account is sufficiently funded before setting up your eGiro.

What happens to my eGIRO deposit if I don't have sufficient funds in my bank account?

Currently, we support eGIRO payments via the following banks:
<ul>
<li style="font-weight: 400;" aria-level="1">Bank of China </li>
<li style="font-weight: 400;" aria-level="1">DBS </li>
<li style="font-weight: 400;" aria-level="1">HSBC </li>
<li style="font-weight: 400;" aria-level="1">Industrial And Commercial Bank of China </li>
<li style="font-weight: 400;" aria-level="1">Maybank Singapore </li>
<li style="font-weight: 400;" aria-level="1">Oversea-Chineese Banking Corporation </li>
<li style="font-weight: 400;" aria-level="1">Standard Chartered </li>
<li style="font-weight: 400;" aria-level="1">United Overseas Bank</li>
</ul>
Learn how to set up eGIRO with <a href="https://www.stashaway.sg/r/egiro-bank-setup-guide" target="_blank" rel="noopener">DBS or POSB, OCBC, UOB.</a>

Which banks can I use to set up eGIRO payments?

Three business days after your deposit schedule date, we will receive the funds. 
From then, it will take another 1-3 business days for your funds to be invested. In total, it can take up to 6 business days.

How long does a eGIRO deposit take to reach StashAway and get invested?

Learn how to set up eGIRO with <a href="https://www.stashaway.sg/r/egiro-bank-setup-guide" target="_self" rel="undefined">DBS or POSB, OCBC, UOB</a>. 
 
When you’re setting a recurring deposit schedule, make sure to set an end date for your recurring deposit on your online banking far enough in the future, or don’t set one at all if it’s optional during the setup. This makes sure that you build a consistent habit of <a href="https://www.stashaway.com/r/dollar-cost-averaging">dollar-cost averaging</a>.
 Just make sure that your account has sufficient balance on the date your deposit is scheduled. It might be wise to set up your eGIRO just after payday, <a href="https://www.stashaway.sg/r/egiro-bank-setup-guide#set-up-egiro-with-dbs" target="_self" rel="undefined">for example.</a>