Your unique reference code is for linking all of your deposits (to any and all goals) to your StashAway account. Including your reference code in all deposits (one-time or monthly) will expedite this process, allowing us to invest your money more quickly.
For detailed instructions on how to set up transfers and where to include your unique reference code, please refer to "Transfer Instructions" under Transfer Information in Transfer page.
Your funds will be allocated to your portfolios based on the amount(s) you enter on Deposit Plan in your StashAway account. In the case that we receive an amount different from your deposit plans, we will allocate the funds proportionally based on how much you indicate to go towards each portfolio, first to one-time transfers, then to monthly transfers.