General Investing powered by StashAway and Goal-based investing utilise the same exact investment strategy. The difference is that compared to the General Investing portfolio, the Goal-based Investing portfolio has an additional feature that includes a personalised investment plan to achieve a particular financial goal.
 
This means that it will suggest the appropriate risk level and monthly savings plan, whereas the risk level selection and monthly investment plan with General Investing are self-directed.

What is General and Goal-based Investing?

We don’t qualify our portfolios based on expected returns. Instead, we qualify them based on how much risk to which you’ll be exposed. 
Every StashAway portfolio is defined by the StashAway Risk Index, which indicates the potential loss of a given portfolio. 
<ul>
<li style="font-weight: 400;">Core Portfolios have a StashAway Risk Index between 6.5% and 22% </li>
<li style="font-weight: 400;">Higher-risk Portfolios have a StashAway Risk Index between 26% and 36%</li>
</ul>

What’s the difference between Core Portfolios and Higher-risk Portfolios?

You can deposit money in any currency.
 
If it's SGD, our vendor will apply the current interbank rates for all currency conversions.
 
If it's USD, there is a minimum amount of $10,000 USD per deposit.
 
NOTE: If you deposit in other currencies, it will be converted to SGD at the bank's exchange rate.

What currency can I deposit in my General & Goal-based Investing portfolio?

For personal funds, it would take up to 1-2 business days.
 
For SRS funds, it would take up to 2-3 business days
 
NOTE: If you did not include your unique reference code when you made the deposit, kindly contact us at <a href="mailto:support@stashaway.sg">support@stashaway.sg</a>.

I just made a deposit. When will it appear in my General / Goal-based Investing portfolio?

We will simply process the amount you deposit.
 
If you have more than one portfolio, we will allocate the funds proportionally based on how much you indicate to go towards each portfolio, first to One-time deposit plan, then to Monthly deposit plan.

What if I deposit more or less than what I have indicated in my deposit plan?

To update the instructions for One-time or Monthly Deposit, kindly refer to the following:
<ul>
<li class="wysiwyg-text-align-justify">
Web App: Select  "Manage Deposits" &gt; Choose either "Personal Account" or "SRS Account" &gt; Select either update one-time or monthly deposit plan &gt; Proceed to update the amount &gt; Click “Continue" &gt; "Confirm" and "Done" to complete the update.</li>
</ul>
 
<ul>
<li class="wysiwyg-text-align-justify">
Mobile App: Click the "Deposit" icon on the Home page &gt; Choose between “Personal account” or “SRS account” &gt; Select "eGIRO or Manual Deposit" &gt; Click on "One-time deposit" or "Monthly deposit" &gt; then "Modify" and select "Edit deposit amount" &gt; Proceed to update the amount &gt; Click “Continue" and "Done" to complete the update.</li>
</ul>
 If you wish to change your deposit currency, please go to “Account” &gt; “Settings” &gt; “Deposit Currencies” and choose the desired currency.
 
Kindly note that making an amendment to a one-time or monthly deposit plan before we receive your funds will replace any previous one-time or monthly deposit plan. Hence, our system will allocate the funds based on the latest one-time or monthly deposit plan when our bank receives the funds.
 
If the recurring payment is being made via standing instruction from your bank platform, kindly verify this on your banking platform as well to ensure that the scheduled deposit has been amended or cancelled accordingly.
 
Please note that for USD deposits, there is a minimum amount of $10,000 USD for each deposit.

How do I make changes to my one-time and monthly deposits?

To find out about your returns, you can log into your StashAway account. Select "Investments", click on the "Performance" tab. The "Performance" tab will show you the breakdown of your returns in USD and SGD.

How much have I earned from the funds I have invested so far?

We display Total Returns, Time-weighted Returns (TWR), and Money-weighted Returns (MWR). The multiple ways of viewing your returns give you the flexibility to understand the performance of your individual portfolio(s) depending on how you wish to evaluate your portfolio(s).
 
What is Total Return?
Total Return is the simple return of all your portfolios’ returns in the currency terms you select to display.
 
What is Time-weighted Return?
Time-weighted Return (TWR) is commonly used in the financial industry, making it an easy metric to compare returns between different portfolio managers. TWR measures the portfolio manager’s ability to generate returns, not the effects of an investor’s deposit and withdrawal behaviors. It does this by tracking performance from the first deposit made into a portfolio.
 
What is Money-weighted Return?
Money-weighted Return helps to gauge the effectiveness of an investor’s timing of deposits and withdrawals. It does this by including the effects of multiple cash flows by assigning a weight to each of your deposits and withdrawals. In other words, a deposit or withdrawal of $1,000 SGD has a lesser effect on your portfolio’s return figure than a deposit or withdrawal of $100,000 SGD.

How are my returns calculated?

Yes, it's completely up to you; you can stop and resume your deposits anytime.

Can I stop sending deposits for a few months and resume investments after?

To make a withdrawal, log in to your StashAway account ;
 
Web App
Click on your name at the top right of your screen &gt; click on "Withdraw/Transfer" &gt; click on the intended portfolio &gt; adjust the slider according to your desired withdrawal amount and click "Continue" to proceed.
 
Mobile App
Click the "Three horizontal lines" on the top left part of the screen &gt; select "Transfer funds" and choose "Take money out" &gt; click the intended portfolio &gt; enter the amount according to your desired withdrawal amount &gt; select your bank account number and click "Continue" to proceed.​​
 
You will then receive an email confirming your withdrawal request. If you encounter any issues, please feel free to reach out to us at <a href="mailto:support@stashaway.sg">support@stashaway.sg</a>.

How do I withdraw money from my StashAway account?

You can expect the withdrawal process to take up to 2 to 3 business days for both our General &amp; Goal-based Investing Portfolio
 
First, we will sell the securities on your behalf. Then, we will wire the money from our trust account to your bank account.
 
If you are withdrawing to an international bank account outside of Singapore, this may take longer and your bank may charge you conversion fees. Additionally, your bank may also charge you fees for receiving overseas telegraphic transfers - this fee varies from bank to bank and will be deducted automatically by your bank from the received amount. Kindly check with your bank for any fees they may charge.

When will my withdrawn funds from StashAway appear in my bank account?

Yes, you can but the name of the bank account needs to be the same as the legal name of the StashAway account holder.

Can I withdraw to a bank account that is different from the one I originally made the deposit from?

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We’re licensed by the Securities and Futures Commission of Hong Kong (<a></a><a href="https://apps.sfc.hk/publicregWeb/corp/BQE542/details" target="_blank">CE No. BQE542</a>)

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

We’re licensed by the Securities and Exchange Commission (License no.&nbsp;<a></a><a href="https://market.sec.or.th/public/idisc/en/companyprofile/Intermediaries/0000031407" target="_blank">Lor Khor-0136-01</a>).

StashAway Management (DIFC) Limited is regulated by the DFSA (license number&nbsp;<a href="https://www.dfsa.ae/public-register/firms/stashaway-management-difc-limited">F006312</a>).