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Help Center - StashAway

Help Center

StashAway offers different investment products for investors: StashAway has the <a href="https://www.stashaway.sg/" target="_self">General Investing</a> Portfolio, <a href="https://www.stashaway.sg/income-portfolio" target="_self">Income</a> portfolio, <a href="https://www.stashaway.sg/esg" target="_self">Responsible Investing</a> Portfolio, and <a href="https://www.stashaway.sg/thematic-portfolios" target="_self">Thematic Portfolios</a> are guided by ERAA® (Economic Regime-based Asset Allocation).
 
<a href="https://www.stashaway.sg/blackrock" target="_self">General Investing powered by BlackRock®</a> provide investors with the broadest market exposure.
 
<a href="https://www.stashaway.sg/simple" target="_self">StashAway Simple™</a> and Simple™ Plus are ultra-low risk cash management portfolio.
 
<a href="https://www.stashaway.sg/flexible-portfolios" target="_self">Flexible portfolios</a> are customisable portfolios that allow investors to pick their desired asset classes.
 
<a href="https://www.stashaway.sg/reserve" target="_self">StashAway Reserve</a> is an investment offering for Accredited Investors (AI).

What are Stashaway products?

StashAway’s investment products use ETFs because they are exchange-listed products with deep liquidity, high trading volumes, and have very low expense fees.
 
<iframe src="//www.youtube-nocookie.com/embed/njK6SirvlpQ" width="560" height="315" frameborder="0" allowfullscreen=""></iframe>
 
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?

<span data-sheets-value='{"1":2,"2":"Bank savings accounts earn very low interest. StashAway builds your personalized asset allocation, taking into consideration your specific needs and preferences, and helps you invest in those assets to accumulate wealth over time."}' 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}'>Bank savings accounts earn very low interest. StashAway builds your personalised asset allocation, taking into consideration your specific needs and preferences, and helps you invest in those assets to accumulate wealth over time.

How is StashAway different from a bank savings account?

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?

StashAway provides you with investment options to allow you to advance through your investment journey. Our investment options include our three General Investing Portfolios, Thematic Portfolios, Flexible Portfolios, and StashAway Simple™ Portfolio.
 
Beyond that, we've been known for being the top-rated app in the industry. And, you can always reach the Client Experience team 7 days a week from 9 am to 6 pm excluding Public Holidays.
 
<span data-sheets-value='{"1":2,"2":"We deploy a sophisticated and dynamic investment strategy that mitigates risk, and withstands market flucuations and economic cycle changes. To learn more about our investment strategy, visit: https://www.stashaway.sg/r/stashaways-asset-allocation-framework"}' data-sheets-userformat='{"2":513,"3":{"1":0},"12":0}'><iframe src="//www.youtube-nocookie.com/embed/HlBk8Ym0y7s" width="560" height="315" frameborder="0" allowfullscreen=""></iframe>

How is StashAway different from other robo-advisors?

Asia Wealth Platform (AWP) is StashAway’s legal entity, and is licensed by the Monetary Authority of Singapore (MAS). StashAway is a brand of Asia Wealth Platform Pte Ltd (201624878Z), which is licensed by the Monetary Authority of Singapore (CMS100604).
 
AWP, and hence StashAway, holds a Capital Market Services License for Retail Fund Management. You may view our MAS license and status <a href="https://eservices.mas.gov.sg/fid/institution/detail/201134-ASIA-WEALTH-PLATFORM-PTE-LTD">here</a>.
 
For more information, please see <a href="https://www.stashaway.sg/r/stashaway-receives-in-principle-approval-for-retail-fund-management-licence-from-monetary-authority-of-singapore">StashAway Receives MAS License.</a>

What is Asia Wealth Platform?

There are absolutely no fees associated with opening or closing a StashAway account.

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

What is one advice you would give someone that just joined StashAway?

For personal funds, it should take up to 1-3 business days.
 
For SRS funds, it should take up to 2-4 business days.

When will my funds appear in my Stashaway account?

We invest in US-domiciled ETFs that require USD for an investment. Therefore, we convert all non-USD currencies into USD in order to invest in the selected US ETFs. 
 
You may find our ETF selection <a href="https://www.stashaway.sg/r/stashaways-etf-selection">here</a>.

Why does StashAway convert my money into USD?

<span data-sheets-value='{"1":2,"2":"If customer upon 55 has the following in the CPF contribution pool\n1. 83K --&gt; expected payout per month is 700-750\n2. 166K --&gt; expected payout per month is 1228-1383\n3. 249K (max amount allowed in retirement account) --&gt; Expected payout per month is 1800-2000"}' data-sheets-userformat='{"2":513,"3":[null,0],"12":0}'>There are three payout tiers in the CPF Life plan. The monthly payments are based on how much ​you have in your Retirement Account Savings at 55. See below for the expected monthly payout ranges for the Standard plan:
<ol>
<li><span data-sheets-value='{"1":2,"2":"If customer upon 55 has the following in the CPF contribution pool\n1. 83K --&gt; expected payout per month is 700-750\n2. 166K --&gt; expected payout per month is 1228-1383\n3. 249K (max amount allowed in retirement account) --&gt; Expected payout per month is 1800-2000"}' data-sheets-userformat='{"2":513,"3":[null,0],"12":0}'>$83,000 SGD — expected payout per month is $720-770.</li>
<li><span data-sheets-value='{"1":2,"2":"If customer upon 55 has the following in the CPF contribution pool\n1. 83K --&gt; expected payout per month is 700-750\n2. 166K --&gt; expected payout per month is 1228-1383\n3. 249K (max amount allowed in retirement account) --&gt; Expected payout per month is 1800-2000"}' data-sheets-userformat='{"2":513,"3":[null,0],"12":0}'>$166,000 SGD — expected payout per month is $1,320-1,410.</li>
<li><span data-sheets-value='{"1":2,"2":"If customer upon 55 has the following in the CPF contribution pool\n1. 83K --&gt; expected payout per month is 700-750\n2. 166K --&gt; expected payout per month is 1228-1383\n3. 249K (max amount allowed in retirement account) --&gt; Expected payout per month is 1800-2000"}' data-sheets-userformat='{"2":513,"3":[null,0],"12":0}'>$249,000 SGD (max amount allowed in retirement account) — Expected payout per month is $1,910-2,060.</li>
</ol>
<span data-sheets-value='{"1":2,"2":"If customer upon 55 has the following in the CPF contribution pool\n1. 83K --&gt; expected payout per month is 700-750\n2. 166K --&gt; expected payout per month is 1228-1383\n3. 249K (max amount allowed in retirement account) --&gt; Expected payout per month is 1800-2000"}' data-sheets-userformat='{"2":513,"3":[null,0],"12":0}'>Please visit the CPF website for any updates <a href="https://www.cpf.gov.sg/members/schemes/schemes/retirement/cpf-life" target="_blank" rel="noopener noreferrer">here</a>.

How do I know how much my CPF monthly payout will be when I retire?

Yes, you can, as long as you are one of the account holders. Kindly remember to include your unique reference code when you make your deposits.
 
Additionally, if you are not the principal account holder and your name is not reflected on the transaction, we will contact you to obtain a copy of your bank statement (dated within the last 3 months) indicating both account holders' names as proof of joint account for verification.

Can I deposit from a joint bank account?

Re-optimisation refers to changes in your portfolio’s target asset allocation. When this happens, new ETFs may be introduced, and/or the weightage of existing ETFs will be changed in your asset allocation.
 
To learn more about our investment methodology, visit <a href="https://www.stashaway.sg/stashaways-asset-allocation-framework" target="_self" rel="undefined">ERAA®</a>.
 
Were you looking for rebalancing instead? Click here for <a href="https://www.stashaway.sg/faq/115003746807-what-is-rebalancing">Rebalancing</a>.

What is re-optimisation?

<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Rebalancing: \nWhen a particular asset reaps significant gains relative to other assets in the portfolio, its market value weight increases above target allocation. Without rebalancing, the portfolio is increasingly concentrated in the outperforming asset class hence raising risks. Our algorithm checks client portfolios daily, and performs rebalancing when allocations deviate from targets by more than our \&quot;optimised\&quot; bands. \n\nRe-optimisation:\nReturns and risks of each asset class change when the economic environment changes. For example, between Jan-1982 and Dec-2016, the S&amp;P 500 returned +16.4% yoy in \&quot;disinflationary growth\&quot;, -10.3% yoy in a \&quot;recession\&quot;, +8.8% yoy in \&quot;inflationary growth\&quot; and 2.7% yoy in \&quot;Stagflation\&quot;. To optimise clients' portfolios, StashAway builds portfolios that consists of a mixture of asset classes optimum for a given economic environment. Our investment framework ERAA (Economic Regime-based Asset Allocation) identifies and signals a change in economic cycle and our technology automatically re-optimises portfolios’ asset allocations. This change in asset allocation is important because it allows us to manage risk and improve returns in different economic environments. This change is \&quot;strategic\&quot; (can happen once a year to once every few years) but may be as frequent as 2-3 times a year if there is a lot of economic uncertainties.&quot;}" data-sheets-userformat='{"2":15107,"3":[null,0],"4":[null,2,16777215],"11":4,"12":0,"14":[null,2,3355443],"15":"\"Helvetica Neue\", Helvetica, Arial, sans-serif","16":11}'>Rebalancing: 
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Rebalancing: \nWhen a particular asset reaps significant gains relative to other assets in the portfolio, its market value weight increases above target allocation. Without rebalancing, the portfolio is increasingly concentrated in the outperforming asset class hence raising risks. Our algorithm checks client portfolios daily, and performs rebalancing when allocations deviate from targets by more than our \&quot;optimised\&quot; bands. \n\nRe-optimisation:\nReturns and risks of each asset class change when the economic environment changes. For example, between Jan-1982 and Dec-2016, the S&amp;P 500 returned +16.4% yoy in \&quot;disinflationary growth\&quot;, -10.3% yoy in a \&quot;recession\&quot;, +8.8% yoy in \&quot;inflationary growth\&quot; and 2.7% yoy in \&quot;Stagflation\&quot;. To optimise clients' portfolios, StashAway builds portfolios that consists of a mixture of asset classes optimum for a given economic environment. Our investment framework ERAA (Economic Regime-based Asset Allocation) identifies and signals a change in economic cycle and our technology automatically re-optimises portfolios’ asset allocations. This change in asset allocation is important because it allows us to manage risk and improve returns in different economic environments. This change is \&quot;strategic\&quot; (can happen once a year to once every few years) but may be as frequent as 2-3 times a year if there is a lot of economic uncertainties.&quot;}" data-sheets-userformat='{"2":15107,"3":[null,0],"4":[null,2,16777215],"11":4,"12":0,"14":[null,2,3355443],"15":"\"Helvetica Neue\", Helvetica, Arial, sans-serif","16":11}'>When a particular asset reaps significant gains relative to other assets in the portfolio, its market value weight increases above the target allocation. Without rebalancing, the portfolio is increasingly concentrated in the outperforming asset class hence raising risks. Our algorithm checks customers’ portfolios daily, and performs rebalancing when allocations deviate from targets by more than our "optimised" bands. This can happen weekly, monthly or quarterly, depending on the markets' volatility and performance. 
 
Re-optimisation: 
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Rebalancing: \nWhen a particular asset reaps significant gains relative to other assets in the portfolio, its market value weight increases above target allocation. Without rebalancing, the portfolio is increasingly concentrated in the outperforming asset class hence raising risks. Our algorithm checks client portfolios daily, and performs rebalancing when allocations deviate from targets by more than our \&quot;optimised\&quot; bands. \n\nRe-optimisation:\nReturns and risks of each asset class change when the economic environment changes. For example, between Jan-1982 and Dec-2016, the S&amp;P 500 returned +16.4% yoy in \&quot;disinflationary growth\&quot;, -10.3% yoy in a \&quot;recession\&quot;, +8.8% yoy in \&quot;inflationary growth\&quot; and 2.7% yoy in \&quot;Stagflation\&quot;. To optimise clients' portfolios, StashAway builds portfolios that consists of a mixture of asset classes optimum for a given economic environment. Our investment framework ERAA (Economic Regime-based Asset Allocation) identifies and signals a change in economic cycle and our technology automatically re-optimises portfolios’ asset allocations. This change in asset allocation is important because it allows us to manage risk and improve returns in different economic environments. This change is \&quot;strategic\&quot; (can happen once a year to once every few years) but may be as frequent as 2-3 times a year if there is a lot of economic uncertainties.&quot;}" data-sheets-userformat='{"2":15107,"3":[null,0],"4":[null,2,16777215],"11":4,"12":0,"14":[null,2,3355443],"15":"\"Helvetica Neue\", Helvetica, Arial, sans-serif","16":11}'><a href="https://www.stashaway.sg/r/stashaways-asset-allocation-framework" target="_self">StashAway’s ERAA® investment strategy</a>. Historically, re-optimisation happens about once a year. 
 
General Investing powered by BlackRock® 
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Rebalancing: \nWhen a particular asset reaps significant gains relative to other assets in the portfolio, its market value weight increases above target allocation. Without rebalancing, the portfolio is increasingly concentrated in the outperforming asset class hence raising risks. Our algorithm checks client portfolios daily, and performs rebalancing when allocations deviate from targets by more than our \&quot;optimised\&quot; bands. \n\nRe-optimisation:\nReturns and risks of each asset class change when the economic environment changes. For example, between Jan-1982 and Dec-2016, the S&amp;P 500 returned +16.4% yoy in \&quot;disinflationary growth\&quot;, -10.3% yoy in a \&quot;recession\&quot;, +8.8% yoy in \&quot;inflationary growth\&quot; and 2.7% yoy in \&quot;Stagflation\&quot;. To optimise clients' portfolios, StashAway builds portfolios that consists of a mixture of asset classes optimum for a given economic environment. Our investment framework ERAA (Economic Regime-based Asset Allocation) identifies and signals a change in economic cycle and our technology automatically re-optimises portfolios’ asset allocations. This change in asset allocation is important because it allows us to manage risk and improve returns in different economic environments. This change is \&quot;strategic\&quot; (can happen once a year to once every few years) but may be as frequent as 2-3 times a year if there is a lot of economic uncertainties.&quot;}" data-sheets-userformat='{"2":15107,"3":[null,0],"4":[null,2,16777215],"11":4,"12":0,"14":[null,2,3355443],"15":"\"Helvetica Neue\", Helvetica, Arial, sans-serif","16":11}'>You can expect re-optimisation to occur around 4 to 6 times a year.

How often is my portfolio rebalanced and re-optimised?

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?

Dollar-Cost Averaging is investing a fixed dollar amount on a regular schedule, regardless of market conditions, you will purchase more shares when prices are low and fewer shares when prices are high.
 
This ensures that you will invest at a reasonable price and exchange rate, and avoid investing at market tops, helping you to manage the risk of your investments.
.

What is dollar-cost averaging?

You can make any changes to your account by logging into your StashAway account.
 
To make changes to your goal or to delete it, you can do the following:
Web App
1) Select the Portfolio you would like to edit
2) Click on “More actions”
 
Mobile App
1) Select the Portfolio you would like to Edit
2) Click on the 3 vertical dots on the top right-hand corner of your screen
3) You can make the changes you want
 
Note that if you choose to make changes to the monthly deposit amounts, you must also indicate those changes in your bank account standing instructions.

How do I make changes or delete my goal?

As we can only trade when the market is open, we cannot guarantee that we will be able to sell your assets for cash at the exact moment that you opt to withdraw your funds. Therefore, the value of your portfolio may fluctuate within those few hours.
 
In order to ensure that we have sufficient assets in the case of a market change, any withdrawal request that exceeds 90% of assets under management will result in a full withdrawal to buffer against sudden changes in the market.

Why is 90% withdrawal converted into a full withdrawal of the portfolio's assets?

<span data-sheets-value='{"1":2,"2":"Yes, you will still have full access and ownership to your account. Please send us your new ID for our verification and records."}' data-sheets-userformat='{"2":769,"3":[null,0],"11":4,"12":0}'>Yes, you will still have full access and ownership to your account. 
<span data-sheets-value='{"1":2,"2":"Yes, you will still have full access and ownership to your account. Please send us your new ID for our verification and records."}' data-sheets-userformat='{"2":769,"3":[null,0],"11":4,"12":0}'>Kindly replace your Employment Pass or Professional Visit Pass and send us your new ID for our verification and records.

What if my EP, LTVP, etc. expires? Do I still have access to my account?

In the event of the death of the account holder, the executor or administrator will be the only person recognised by us.
 
An executor is the person appointed to handle the wishes and instructions set out in a will, and the administrator is a person appointed by the court to manage and take charge of the assets and liabilities of a deceased person without a valid will.
 
The executor or administrator will need to produce a grant of probate or letters of administration before the account can be liquidated to a designated account as instructed by him or her.
 
If there is no will, then an administrator will be appointed by the Court and she/he will have to produce letters of administration before the account can be liquidated to a designated account as instructed by him/her.

What happens if the account holder passes away?

A Power of Attorney letter (POA) is a legal document that allows you to appoint a person to take charge of your StashAway account and make decisions on your behalf should you be unable to do so.
 For more details, contact our Client Experience team at +65 6958 1052 or email us at <a href="mailto:support@stashaway.sg" target="_self" rel="undefined">support@stashaway.sg</a>

What is a Power of Attorney letter and how does it benefit me?

<span data-sheets-value='{"1":2,"2":"If you wish to close your account, please contact support. "}' 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}'>If you wish to close your account, please contact our Client Experience team at <a href="mailto:support@stashaway.com">support@stashaway.sg</a> so that we may do the necessary.

How do I close my account?

While our portfolios consist of conventional ETFs which track a variety of indices, they are not strictly Shariah compliant.
 
However, the ETFs we have selected do not use synthetic securities to track an Index and are not leveraged.

Are StashAway's portfolios Shariah compliant? 

You can reach out to us on any of the channels listed here: <a href="www.stashaway.sg/contact" target="_self">www.stashaway.sg/contact</a>
 
You can do so via the following:
- Send us an email at <a class="c-link" href="mailto:complaints@stashaway.sg" target="_blank" rel="noopener noreferrer" data-stringify-link="mailto:complaints@stashaway.sg" data-sk="tooltip_parent">complaints@stashaway.sg</a>
- Call us all at +65 6958 1052 (Mon-Fri, 9 am-6 pm, except public holidays)
- Send us a Whatsapp at +65 9877 0801
- Send us a <a href="https://www.facebook.com/StashAwayAPAC/" target="_self" rel="undefined">Facebook Message</a>
 
Our response procedures are as follows:
<ol>
<li class="wysiwyg-text-align-justify" style="font-weight: 400;" aria-level="1">
Written acknowledgement to the complainant within 1 business day from the date of receipt of the complaint;  The Client Experience agent that received the complaint will be considered as the Handling Officer (HO) of the case
</li>
<li class="wysiwyg-text-align-justify" style="font-weight: 400;" aria-level="1">
Interim response to inform the complainant that the complaint is being reviewed. If a final response has not been sent within 15 business days after the date of receipt of the initial complaint; The HO will evaluate the severity of a complaint based on internal guidelines and conduct the necessary investigation. The investigation may require the involvement of other departments. A complaint, depending on the severity, may also be escalated to a senior Client Experience agent or the Head of Client Experience, a member of the senior management and/or the compliance team. 
</li>
<li class="wysiwyg-text-align-justify" style="font-weight: 400;" aria-level="1">Within 30 business days after the date of receipt of the complaint, the complainant should receive:</li>
<li style="list-style-type: none;">
<ol>
<ol>
<li class="wysiwyg-text-align-justify">
a final response; or
</li>
<li class="wysiwyg-text-align-justify">a written response informing of the reasons for the delay, an indicative reasonable timeframe for a final response from the financial adviser, and the complainant’s right to refer the complaint to an approved dispute resolution scheme.</li>
</ol>
</ol>
</li>
</ol>
 
For further escalation, the complainant can approach the<a style="background-color: #ffffff;" href="https://www.fidrec.com.sg/contact-us/" target="_self" rel="undefined"> Financial Industry Disputes Resolution Centre.</a>

How can I make a complaint?

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

We no longer offer our term life insurance to new customers, but we’re working on bringing you a solution, so stay tuned!

Does StashAway offer term life insurance? 

General questions about how StashAway works