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Help Center - StashAway

Help Center

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?

Fees are paid monthly with the 1% cash allocation in your account. Each of your portfolios will be charged proportionally for the fees owed by them.
 
Additionally, the cash allocation might be used for <a class="c-link" href="https://www.stashaway.sg/faq/115003746807-what-is-rebalancing" target="_blank" rel="noopener noreferrer" data-stringify-link="https://www.stashaway.sg/faq/115003746807-what-is-rebalancing/" data-sk="tooltip_parent" aria-describedby="sk-tooltip-76757">rebalancing</a> and/or withdrawals. For example, when you request for a withdrawal, we would first use the cash in SGD for the withdrawal and if needed sell assets to fulfil the withdrawal. Subsequently, when rebalancing is triggered, we would sell assets to restore the cash SGD allocation.

Why is there a 1% Cash allocation for my portfolio?

What is it?
<ul>
<li>Want to get your funds invested for free? You're in the right place!</li>
<li>For every friend that you refer and who funds their account, both of you are entitled to a 6-month management fee waiver, for up to $10,000 SGD of assets under management.</li>
<li>If you refer 2 friends and they both invest at least $1 SGD, $20,000 SGD of your assets under management would be managed for free for 6 months. 3 friends, $30,000 SGD; and so on.</li>
</ul>
 
Is there a limit?
<ul>
<li>Refer as many people as you like! We don't have a limit for the number of people you refer.</li>
</ul>
 
Requirements
<ul>
<li>Your account must be funded (any amount).</li>
<li>Your referee must not have an existing account.</li>
<li>Your referee must sign-up via the referral link.</li>
<li>After your referee's registration, your referee's account needs to be funded within 30 days.</li>
</ul>
 
How to refer a friend
<ul>
<li>Log in to your StashAway account.</li>
<li>Click "Refer a friend" on the top of the page.</li>
<li>Copy your individual link, and send it to your friend(s) via email, SMS, or your favourite social media platform.</li>
<li>When your invited friend(s) register using your link and fund his/her account within 30 days, both of you have qualified for the referral programme.</li>
<li>Track your referee(s)' progress by looking at "Your Referral History" in "Refer a friend" section.</li>
</ul>
<div class="p-rich_text_section"> </div>
<div class="p-rich_text_section">Privacy Notice and Consent</div>
<ul class="p-rich_text_list p-rich_text_list__bullet" data-stringify-type="unordered-list" data-indent="0">
<li>Both referrer and referee must have an account with StashAway to enjoy the benefits of this Referral Programme.</li>
<li>This Referral programme is part of the service that StashAway provides to its customers and both referrer and referee will have agreed to the Privacy Notice, for StashAway to use their personal information as part of this service. </li>
<li>The referee has agreed that in signing up with StashAway via this program that their full name will be shared with the referrer for progress tracking purposes.</li>
</ul>

Referral Programme

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; anyone can open an account with us.
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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?

Not at the moment but it is in the pipeline. In the meantime, we accept deposits from joint bank accounts.

Can I open a joint account?

Frequently asked questions about opening an account and the app

Getting Started

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?

<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?

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?

It is entirely possible to have a positive TWR but a negative total return.
 
Your TWR is positive because your portfolio’s return has increased in value since your first deposit. You can see that in the graph of the “Performance” tab in your app.
 
However, in this case, you could still have negative dollar returns if you deposited the majority of your funds in this portfolio when the market was higher than it is now.
 
Here’s a quick example of when this might be the case:
Let’s say you deposited $100 SGD in January in your StashAway account, and then the market goes up 10% by September. You’d have $110 SGD in your account. Then, you get a $1,000 SGD bonus and decide to invest it all at once, but the market goes down 5% over the next three months. In this scenario, your portfolio value would be $1054.50 SGD by December for a total of $1100 SGD invested. So you’d have lost $45.50 SGD. 
<img src="https://stashaway.zendesk.com/hc/article_attachments/900001286846/mceclip0.png" alt="mceclip0.png">
But this was not because the portfolio has performed poorly thus far- it went up 10% between January and September and then it went down just 5% between September and December. However, most of your money was invested right before markets went down.
 
Your time-weighted return is positive because the performance of the first deposit of your investment has performed well between January and December, but your simple dollar return is still negative because of when you decided to make your deposits.

Why do I have a positive time-weighted return, but negative dollar return?

Questions about our portfolios and investment framework

Investments

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?

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 Income Portfolio, you can opt to either reinvest the dividend payout or have the payouts sent to your personal bank account.
 
However, this option is not available if you deposit using an SRS account and the dividend will be reinvested. You may proceed to withdraw the dividend by performing a withdrawal request and the fund will be transferred to your SRS account.
 
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/8970086560025/202207-FAQs-Table-Income-Portfolio_s-returns.jpg" alt="202207-FAQs-Table-Income-Portfolio_s-returns.jpg" width="548" height="108">
Past performance is not a guarantee for future returns. Do note that gross returns are not inclusive of fees. Last updated on 30 June 2022.

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 projected 3.6 - 4.1% p.a.

What is StashAway Simple™ Plus?

The math on the projected rate of returns is quite straightforward: StashAway Simple™ Plus returns are the sum of the amortised yield from the underlying funds, minus fees charged by the fund managers and StashAway, plus any rebates from the fund managers. 
 
<img src="https://stashaway.zendesk.com/hc/article_attachments/8364856453273/Simple-Plus-FAQ-Figure-2-Projected-rate-calculated.jpg" alt="Simple-Plus-FAQ-Figure-2-Projected-rate-calculated.jpg">
 
Because the yields of some of the underlying funds are sensitive to daily market movements, we’ve displayed Simple Plus’s projected yield as a range. It’s possible that the yield could fluctuate at any time, but we’ll be sure to notify you if we foresee any changes to this range.

How is the projected rate calculated for Simple Plus?

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 2.1% p.a. (nett).
 
StashAway doesn’t charge any management fees for this portfolio. There is an expense ratio that 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.

What is StashAway Simple?

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?

Simple’s actual annualized returns take into account the performance of the underlying funds, the fees charged by the fund managers, and any rebates from StashAway or the fund managers that are paid out at the end of each quarter. Here are Simple's quarterly annualized returns for the last four quarters, with returns reinvested.
<img src="https://stashaway.zendesk.com/hc/article_attachments/8970093116569/202207-FAQs-Table-StashAway-Simple_s-returns-SG.jpg" alt="202207-FAQs-Table-StashAway-Simple_s-returns-SG.jpg" width="664" height="131">
Past performance is not a guarantee for future returns. Last updated on 30 June 2022.

What are StashAway Simple’s past returns?

StashAway Simple™

With Flexible Portfolios, you get the freedom to customize 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 standard, template portfolios.

What are Flexible Portfolios?

We manage your portfolio by always maintaining your asset allocations according to the proportions you set. We’ll also notify you if there are any major changes to your Flexible Portfolio’s Risk Level. This means we won’t re-optimise your Flexible Portfolios on your behalf when market conditions change.

How does StashAway manage my Flexible Portfolio?

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

Singapore’s Supplementary Retirement Scheme (SRS) is a retirement scheme that  Singapore’s Ministry of Finance designed to encourage both Singaporeans and foreigners to save more for retirement by offering attractive tax incentives to those who participate.

What is SRS?

Questions about investing with your SRS funds

Retire on Time Unit Trust Portfolio is our first unit trust portfolio, and the portfolio is available to both retail and accredited investors with an SRS account.
The portfolio comprises 15 funds that represent a mix of international equities, Singapore equities, and fixed income. Find out more about the specific funds <a href="https://www.stashaway.sg/help-center/4412643915417-what-are-the-funds-that-make-up-my-retire-on-time-unit-trust-portfolio" target="_self" rel="undefined">here</a>.

What is the Retire on Time Unit Trust Portfolio?

You’ll be paying between 0.96 - 2.08% on your deposits. It’s a little higher than our usual rates, but that’s because of additional fees from the unit trusts and the platform we use. It is, however, significantly lower than banks, who typically charge 4% or higher. 
 
It consists of 3 types of fees / charges: 
<ol>
<li style="font-weight: 400;" aria-level="1">Fund-level Fee: Charged by the fund manager, calculated as a percentage of the Net Asset Value managed by the fund. This is not an actual cash flow borne by you. It is offset by the funds before distributing the returns back to you.</li>
<li style="font-weight: 400;" aria-level="1">Platform Fee: Charged by our platform partner iFAST, calculated as a percentage of the total assets under management.</li>
<li style="font-weight: 400;" aria-level="1">Annual Management Fee: Charged by StashAway, calculated as a percentage of the total assets under management</li>
</ol>
 
<table style="border-collapse: collapse; width: 80.8571%;" border="1">
<tbody>
<tr>
<td class="wysiwyg-text-align-center" style="width: 38.5714%;">
Fee type
</td>
<td class="wysiwyg-text-align-center" style="width: 41.2455%;">
Amount
</td>
</tr>
<tr>
<td style="width: 38.5714%;">
Fund-level Fee
</td>
<td style="width: 41.2455%;">
0.56% - 1.68% p.a.
</td>
</tr>
<tr>
<td style="width: 38.5714%;">
Platform Fee
</td>
<td style="width: 41.2455%;">
First $100,000 SGD: 0.28% p.a 
Next $150,000 SGD: 0.25% p.a 
Next $250,000 SGD: 0.2% p.a 
Next $500,000 SGD: 0.1% p.a 
More than $1,000,000 SGD: 0%
</td>
</tr>
<tr>
<td style="width: 38.5714%;">
Annual Management Fee
</td>
<td style="width: 41.2455%;">
0.4% p.a.
</td>
</tr>
</tbody>
</table>

How much fees do I have to pay for the Retire on Time Unit Trust Portfolio?

To start investing into a Retire on Time Unit Trust Portfolio, you need to:
<ul>
<li style="font-weight: 400;" aria-level="1">Have an SRS account</li>
<li style="font-weight: 400;" aria-level="1">Link your SRS account to your StashAway account</li>
</ul>

What are the requirements for investing into a Retire on Time Unit Trust Portfolio?

We have strategically chosen 15 funds that we consider to be in our clients’ interests. Your portfolio will consist of a mix of these funds, in various ratios depending on your preferred StashAway Risk Index (SRI). The funds are:
<ol>
<li style="font-weight: 400;" aria-level="1">Eastspring Investments - Japan Dynamic Fund</li>
<li style="font-weight: 400;" aria-level="1">Eastspring Investments Unit Trusts - Singapore Select Bond Fund</li>
<li style="font-weight: 400;" aria-level="1">First Sentier Bridge Fund</li>
<li style="font-weight: 400;" aria-level="1">Franklin U.S. Opportunities Fund</li>
<li style="font-weight: 400;" aria-level="1">Legg Mason Western Asset Global Bond Trust Fund</li>
<li style="font-weight: 400;" aria-level="1">LionGlobal Japan Growth Fund</li>
<li style="font-weight: 400;" aria-level="1">LionGlobal Short Duration Bond Fund</li>
<li style="font-weight: 400;" aria-level="1">Manulife Asia Pacific Investment Grade Bond Fund</li>
<li style="font-weight: 400;" aria-level="1">Nikko AM Shenton Thrift Fund</li>
<li style="font-weight: 400;" aria-level="1">PineBridge Asia ex Japan Small Cap Equity Fund</li>
<li style="font-weight: 400;" aria-level="1">PineBridge India Equity Fund</li>
<li style="font-weight: 400;" aria-level="1">Schroder Asian Growth Fund</li>
<li style="font-weight: 400;" aria-level="1">Schroder Asian Investment Grade Credit Fund</li>
<li style="font-weight: 400;" aria-level="1">Schroder Singapore Fixed Income Fund</li>
<li style="font-weight: 400;" aria-level="1">United SGD Fund</li>
</ol>

What are the funds that make up my Retire on Time Unit Trust Portfolio?

Questions about how to retire on time with our Unit Trust Portfolio

Retire on Time Unit Trust Portfolio

<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, for non-USD deposits to USD portfolios, our vendor will apply the current interbank rates for all currency conversions of 0.07% on top of the transaction amount to convert the funds to USD, ensuring the lowest cost possible.
 
<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.sg/r/how-stashaway-can-charge-low-fees" target="_blank" rel="noopener noreferrer">here</a>.

What are the fees associated with StashAway?

<span data-sheets-value='{"1":2,"2":"Fees are calculated as a percentage of your assets (your balance with StashAway)"}' 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}'>Fees are calculated as a percentage of your assets in your StashAway account. 
It is charged monthly, prorated for the number of days you're invested with us.
<span data-sheets-value='{"1":2,"2":"Fees are calculated as a percentage of your assets (your balance with StashAway)"}' 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/pricing" target="_blank" rel="noopener noreferrer">StashAway Pricing.</a>

How are the fees calculated?

<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?

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.sg/pricing" target="_blank" rel="noopener noreferrer">StashAway Pricing</a>.

When does StashAway bill me for the fees?

Fees

All dividends of US-listed securities (regardless of whether the assets were bought through StashAway, or via your own broker) are subject to a 30% dividend withholding tax and the QII (Qualified Interest Income) rule. The latter rule applies to US-domiciled funds, especially US government bonds, of which some of the dividend withholding taxes can be claimed back.  
The WHT is held at source and the rest of the dividends are redistributed back to your portfolio(s) and reinvested automatically. Additionally, these taxes are held at source and would have already been deducted from the dividend payments shown on your 'Transactions' tab. Under the QII (Qualified Interest Income) rule, some of the dividend WHT from US domiciled funds (e.g. US government bonds) can be claimed back. Our broker will do this on your behalf and there is no involvement on the customer's part. We will do this once a year, and will notify you via email if you have any claimable WHT, which would be redistributed to your portfolio and automatically reinvested. For further illustration, you may like to view <a href="https://www.ishares.com/us/literature/tax-information/qualified-interest-income-qii-percentages-2020.pdf" target="_blank" rel="noopener noreferrer">this year's iShares report on QII ETFs</a>. Some examples of QII <a href="https://www.stashaway.sg/r/stashaways-etf-selection" target="_blank" rel="noopener noreferrer">ETFs that StashAway invests</a> in are 20+ Year Treasury Bond (TLT) and 10-20 Year Treasury Bond (TLH). Our investment team has given serious consideration to the 30% WHT and have considered other exchanges that have lower or no withholding tax. However, at the end of the day, we have decided to stay with US-listed securities despite the tax implications due to its deep liquidity, reputable fund management and most importantly, the lower tracking error. If you're interested to see a comparison between US-listed securities and foreign securities, <a href="https://www.stashaway.sg/r/etf-taxes-returns-and-tracking-errors" target="_blank" rel="noopener noreferrer">here</a> is an article that presents its case.  
 
<iframe src="https://player.vimeo.com/video/336719605" frameborder="0" allowfullscreen="true"></iframe>

Do my dividends get taxed?

For non-US tax residents, a 30% withholding tax (subject to QII rule) is applied on all dividends earned. 
 
Capital gains are taxed according to tax regulations of the country of your tax residency. A statement issued by StashAway at the end of the year can be used for your tax filing. We recommend that you consult a tax advisor for tax-related questions.

How do the securities in my portfolio get taxed?

Capital gains are taxed according to tax regulations of the country of your tax residency. A statement issued by StashAway at the end of the year can be used for your tax filing. We recommend that you consult a tax advisor for tax-related questions.
 
All dividends of US-listed securities are subject to 30% dividend withholding tax (subject to QII rule). These taxes are applicable as long as you own US-listed assets, regardless of whether the assets were bought through StashAway, or via your own broker. The WHT is held at source and the rest of the dividends are redistributed back to your portfolio(s) and reinvested automatically.

I have multiple tax residencies. How do I get taxed?

Questions relating to capital gains and dividend taxes on your portfolios

Taxes

<span data-sheets-value='{"1":2,"2":"Yes; StashAway has a CMS license from the Monetary Authority of Singapore. This means that we have been compliant and met the criteria of the highest standards, we have been audited, and provide full disclosure (NEED TO CHECK WITH LYMON/LAWYERS - CHRIS)."}' 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}'>Yes; StashAway has a Capital Market Services License for Retail Fund Management from the Monetary Authority of Singapore. This means that we have been compliant and met the criteria of the highest standards. We have been audited, and provide full disclosure.
 
<span data-sheets-value='{"1":2,"2":"Yes; StashAway has a CMS license from the Monetary Authority of Singapore. This means that we have been compliant and met the criteria of the highest standards, we have been audited, and provide full disclosure (NEED TO CHECK WITH LYMON/LAWYERS - CHRIS)."}' 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}'><a href="https://eservices.mas.gov.sg/fid/institution/detail/201134-ASIA-WEALTH-PLATFORM-PTE-LTD">Our License</a> (Asia Wealth Platform Pte. Ltd. is our legal entity)

Is StashAway MAS-regulated?

The categories and suggestions below, many of which may apply to your home as well as your office, are some suggestions which you can and should adopt to ensure a secure online experience: Protect your computer
<ul>
<li style="font-weight: 400;">Install anti-virus software and the latest security patch on the computer you use to access StashAway</li>
<li style="font-weight: 400;">Set it so that it performs automatic updates</li>
<li style="font-weight: 400;">Remove file and printer sharing, especially when connected to the internet</li>
<li style="font-weight: 400;">Consider the use of encryption technology and perform regular backups to protect critical data</li>
<li style="font-weight: 400;">Only allow trusted USB drives into your computer</li>
<li style="font-weight: 400;">Get in the habit of locking your account whenever you step away from your computer</li>
<li style="font-weight: 400;">Only use trusted devices and access trusted websites</li>
<li style="font-weight: 400;">Do not install or run programs that are not from trusted websites</li>
<li style="font-weight: 400;">Delete junk/chain emails</li>
<li style="font-weight: 400;">Do not access sensitive online sites or perform financial transactions over the public internet</li>
<li style="font-weight: 400;">Clear browser cache after each online session</li>
<li style="font-weight: 400;">Log off after each online session</li>
</ul>
Protect your mobile device
<ul>
<li style="font-weight: 400;">Always update your device to the latest available OS version; these patches normally carry security and bug fixes that will help secure your device and the information stored on it</li>
<li style="font-weight: 400;">Do not attempt to ‘jailbreak’ or ‘root’ your device</li>
<li style="font-weight: 400;">Keep your laptop, your mobile phone, and other portable devices that contain sensitive information with you at all times</li>
</ul>
Protect your network
<ul>
<li style="font-weight: 400;">Set a strong password for your WiFi network </li>
<li style="font-weight: 400;">
Do not allow anyone to connect to your network without permission 
</li>
</ul>
You can also learn more about protecting your data and finances from our article <a href="https://www.stashaway.sg/r/how-to-protect-your-personal-data-and-finances" target="_self" rel="undefined">here</a>

How should I protect my Devices and Computer Systems?

Your money is kept entirely separate from StashAway's finances. To ensure that we never touch your money, we use custodian banks that hold your money, whether it's in cash or in securities.
StashAway has made it a top priority to work with global, reputable banks for these purposes. Our custodian bank for receiving your deposits is DBS Bank while Saxo Capital Markets Pte Ltd or Lion Global for Simple, holds our custodian account for your investable cash and securities.
In these custodian institutions, your assets are always in a segregated account-- one that is separate from StashAway's operations and assets. This means that you will always have full access and claim to your assets no matter what happens to StashAway.
<iframe src="//www.youtube-nocookie.com/embed/DoPZYtue7As" width="560" height="315" frameborder="0" allowfullscreen=""></iframe>

What happens to my money if StashAway gets acquired, goes public, or closes?

Security

<div class="p-rich_text_section wysiwyg-text-align-justify">With our launch promotion, you’ll get free investing until 30 June 2023 on any funds deposited into StashAway Simple™ Plus. Here are the terms and conditions for the promotion:</div>
<ul class="p-rich_text_list p-rich_text_list__bullet" data-stringify-type="unordered-list" data-indent="0" data-border="0">
<li class="wysiwyg-text-align-justify" data-stringify-indent="0" data-stringify-border="0">There is no voucher code to be applied for this promotion.</li>
<li class="wysiwyg-text-align-justify" data-stringify-indent="0" data-stringify-border="0">The management fee waiver is valid until 30 June 2023 on any deposits made into a StashAway Simple™ Plus portfolio.</li>
<li class="wysiwyg-text-align-justify" data-stringify-indent="0" data-stringify-border="0">The promotion is valid on portfolios funded by both personal and SRS bank accounts.</li>
<li class="wysiwyg-text-align-justify" data-stringify-indent="0" data-stringify-border="0">The projected rate of 3.6 - 4.1% p.a. is inclusive of the fee waiver.</li>
<li class="wysiwyg-text-align-justify" data-stringify-indent="0" data-stringify-border="0">StashAway reserves the right to make changes to the promotion.</li>
</ul>

What are the terms and conditions for the launch promotion?

With our launch promotion, you’ll get free investing until 31 July 2023 on any funds deposited into General Investing powered by BlackRock®. Here are the terms and conditions for the promotion:
- There is no voucher code to be applied for this promotion. - The management fee waiver is valid until 31 July 2023 on any new deposits made into the StashAway app and invested into General Investing powered by BlackRock. - New deposits do not include inter-goal transfers within the app or funds withdrawn from the app and redeposited. - StashAway reserves the right to make changes to the promotion.
 
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 are the terms and conditions for the General Investing powered by BlackRock® launch promotion?

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