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Help Center - StashAway

Help Center

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?

Yes, you can.

Can I edit my Flexible Portfolio after it has been created and funded?

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?

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.

We do this by maintaining the target allocations set by you. When market changes influence the asset allocation of your portfolio, we will re-align it to its target proportion (weightage) by buying and/or selling specific assets. Your portfolio is also rebalanced when you make a deposit, request a partial withdrawal or make a change in the allocations within your portfolio. Rebalancing is important, even if the asset class is performing well because it allows an investor to stay on target with his or her original investing strategy.

How does StashAway rebalance my Flexible Portfolio?

No. Flexible Portfolios will not be re-optimised by StashAway, so we’ll maintain your asset classes and allocations in the proportions you set them even if there are changes in economic conditions. However, the underlying individual ETFs within each asset class may be subject to being replaced by more cost-efficient or preferable funds in the market.

Will StashAway re-optimise my Flexible Portfolio?

No. Flexible Portfolios will not be re-optimised by StashAway, so we’ll maintain your asset classes and allocations in the proportions you set them even if there are changes in economic conditions. However, the underlying individual ETFs within each asset class may be subject to being replaced by more cost-efficient or preferable funds in the market.

Your Flexible Portfolios will be rebalanced by us, but will not be re-optimised when economic conditions change. 
<ul>
<li style="font-weight: 400;" aria-level="1">
Rebalancing a portfolio involves maintaining the target allocation set by you. This is done because market movements affect the price of assets, which in turn affects their proportions within your portfolio. 
</li>
<li style="font-weight: 400;" aria-level="1">Re-optimisation 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 your asset allocation.</li>
</ul>
Read more about rebalancing and re-optimisation <a href="https://www.stashaway.ae/r/rebalancing-and-re-optimisation-at-stashaway" target="_self" rel="undefined">here</a>.

What is the difference between rebalancing and re-optimisation?

Your Flexible Portfolios will be rebalanced by us, but will not be re-optimised when economic conditions change. 
<ul class="wysiwyg-text-align-justify">
<li style="font-weight: 400;" aria-level="1">
Rebalancing a portfolio involves maintaining the target allocation set by you. This is done because market movements affect the price of assets, which in turn affects their proportions within your portfolio. 
</li>
<li style="font-weight: 400;" aria-level="1">Re-optimisation 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 your asset allocation.</li>
</ul>
Read more about rebalancing and re-optimisation <a href="https://www.stashaway.sg/r/rebalancing-and-re-optimisation-at-stashaway">here</a>.

Your Flexible Portfolios will be rebalanced by us, but will not be re-optimised when economic conditions change. 
<ul>
<li style="font-weight: 400;" aria-level="1">
Rebalancing a portfolio involves maintaining the target allocation set by you. This is done because market movements affect the price of assets, which in turn affects their proportions within your portfolio. 
</li>
<li style="font-weight: 400;" aria-level="1">Re-optimisation 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 your asset allocation.</li>
</ul>
 Read more about rebalancing and re-optimisation <a href="https://www.stashaway.my/r/rebalancing-and-re-optimisation-at-stashaway" target="_self" rel="undefined">here</a>.

We choose the largest, most liquid, most tradable, and most cost-effective ETFs with the lowest tracking error to their indexes, and those with a sufficiently long track record. 
 
We choose simple ETFs, which means they have no leverage or complex payoffs, and have no ETFs to avoid credit risk of issuers. You can find our fund selection criteria <a href="https://www.stashaway.ae/r/how-stashaway-selects-etfs" target="_self" rel="undefined">here</a>.

How does StashAway choose ETFs for each asset class?

We choose the largest, most liquid, most tradable, and most cost-effective ETFs with the lowest tracking error to their indexes, and those with a sufficiently long track record. 
 
We choose simple ETFs, which means they have no leverage or complex payoffs, and have no ETFs to avoid credit risk of issuers. You can find our fund selection criteria <a href="https://www.stashaway.sg/r/how-stashaway-selects-etfs">here</a>.

We choose the largest, most liquid, most tradable, and most cost-effective ETFs with the lowest tracking error to their indexes, and those with a sufficiently long track record. 
 
We choose simple ETFs, which means they have no leverage or complex payoffs, and have no ETFs to avoid credit risk of issuers. You can find our fund selection criteria <a href="https://www.stashaway.my/r/how-stashaway-selects-etfs" target="_self" rel="undefined">here</a>.

The underlying ETFs within each asset class may change. Our investment team carefully selects each individual ETF, and they may be replaced by more cost-efficient or preferable funds in the market.

Will the underlying ETFs under the asset classes always remain the same?

We keep at least 1% of your assets in cash for <a href="https://www.stashaway.ae/help-center/900004392163-what-is-rebalancing" target="_self">rebalancing</a> and your platform fees.

Why can’t I remove cash from my Flexible Portfolio?

We keep at least 1% of your assets in cash for <a href="https://www.stashaway.sg/help-center/115003746807-what-is-rebalancing" target="_self">rebalancing</a> and your platform fees.

We keep at least 1% of your assets in cash for <a href="https://www.stashaway.my/help-center/360009982134-what-is-rebalancing" target="_self">rebalancing</a> and your platform fees.

It's really up to you! You can create as many Flexible Portfolios as you want depending on your needs and preferences.

How many Flexible Portfolios can I create?

3% is the minimum.

What is the minimum allocation per asset class within a Flexible Portfolio?

There’s no minimum amount to start investing with Flexible Portfolios.

What’s the minimum amount required to invest in a Flexible Portfolio?

Our annual management fee for Flexible Portfolios ranges between 0.2% and 0.8%. There's no minimum investment amount and no subscription fees, switching fees, nor rebalancing fees. Learn more about our pricing <a href="https://www.stashaway.ae/pricing" target="_self">here</a>.

What are the fees involved in creating a Flexible Portfolio?

Our annual management fee for Flexible Portfolios ranges between 0.2% and 0.8%. There's no minimum investment amount and no subscription fees, switching fees, nor rebalancing fees. Learn more about our pricing <a href="https://www.stashaway.sg/pricing">here</a>.
 
You can also get free investing until 30 June 2023 on any fresh funds deposited into Flexible Portfolios with our <a href="https://www.stashaway.sg/help-center/6430514813849-what-are-the-terms-and-conditions-of-the-launch-promotion-for-flexible-portfolios" target="_self">launch promotion.</a>

Our annual management fee for Flexible Portfolios ranges between 0.2% and 0.8%. There's no minimum investment amount and no subscription fees, switching fees, nor rebalancing fees. Learn more about our pricing <a href="https://www.stashaway.my/pricing" target="_self" rel="undefined">here.</a>
 
You can also get free investing until 30 June 2023 on any fresh funds deposited into Flexible Portfolios with our <a href="https://www.stashaway.my/help-center/6430514813849-what-are-the-terms-and-conditions-of-the-launch-promotion-for-flexible-portfolios" target="_self">launch promotion</a>.

No, however, you may create a new Flexible Portfolio with your desired asset classes, and then transfer the funds from your existing portfolio(s) to the new Flexible Portfolio.

Can I convert an existing portfolio to a Flexible Portfolio?

The Risk Level is a measure of risk, expressed as a percentage, whereby in any given year, there is a 99% probability that you won’t lose more than this percentage in terms of the portfolio’s value.
 
These are the Risk Level brackets for Flexible Portfolios.
<ul class="wysiwyg-text-align-justify">
<li style="font-weight: 400;" aria-level="1">Very Conservative: Up to 7%</li>
<li style="font-weight: 400;" aria-level="1">Conservative: 8-13%</li>
<li style="font-weight: 400;" aria-level="1">Moderate: 14-19%</li>
<li style="font-weight: 400;" aria-level="1">Balanced: 20-25%</li>
<li style="font-weight: 400;" aria-level="1">Aggressive: 26-32%</li>
<li style="font-weight: 400;" aria-level="1">
Very aggressive: 33% and more 
</li>
</ul>
For example, in a worst-case scenario, there's a 99% chance a Balanced portfolio won't lose more than 25% of its value in any given year. Generally, a higher Risk Level percentage denotes a more risky portfolio, and thus should be accompanied with a longer term investment horizon.
 
We calculate the Risk Level by looking at long-term asset class return and assumptions, and we update these calculations.
 
Your portfolio's Risk Level could change for one of two reasons: In the case that the quarterly update calculates a new Risk Level, or in the case that our investment team replaces a particular ETF in favour of a similar, more cost-efficient or preferable one in the same asset class.

How is the Risk Level calculated for Flexible Portfolios?

You’re not able to access Flexible Portfolios because you are a client with <a class="c-link" href="https://www.stashaway.my/faq/900000198566-what-is-domestic-ringgit-borrowing-drb" target="_blank" rel="noopener noreferrer" data-stringify-link="https://www.stashaway.my/faq/900000198566-what-is-domestic-ringgit-borrowing-drb" data-sk="tooltip_parent">Domestic Ringgit Borrowing</a>. Our Flexible Portfolios don’t meet Bank Negara’s <a class="c-link" href="https://www.bnm.gov.my/fep" target="_blank" rel="noopener noreferrer" data-stringify-link="https://www.bnm.gov.my/fep" data-sk="tooltip_parent">Foreign Exchange Policy (FEP)</a> requirements for customers with domestic ringgit borrowing. Therefore, we highly encourage you to explore our <a class="c-link" href="https://www.stashaway.my/how-we-invest" target="_blank" rel="noopener noreferrer" data-stringify-link="https://www.stashaway.my/how-we-invest" data-sk="tooltip_parent">other investment products</a>. Reach out to our <a class="c-link" href="https://www.stashaway.my/contact" target="_blank" rel="noopener noreferrer" data-stringify-link="https://www.stashaway.my/contact" data-sk="tooltip_parent">Client Experience </a>team if you have any more questions.

Why can’t I access Flexible Portfolios in my StashAway account?

Here are the gross returns for the benchmarks of different Risk Levels, assuming that distributions are reinvested. 
<img src="https://stashaway.zendesk.com/hc/article_attachments/8970088592921/202207-FAQs-Table-Flexible-Portfolios.jpg" alt="202207-FAQs-Table-Flexible-Portfolios.jpg" width="472" height="330">
 
The corresponding risk benchmarks are proxies for the MSCI World Equity Index (for equities) and FTSE World Government Bond Index (for bonds). Past performance is not a guarantee for future returns. Do note that gross returns are not inclusive of fees. All returns are in MYR terms. Last updated on 19 July 2022.