Put data, not emotions, behind your money

Introducing ERAA™

Economic Regime-based Asset Allocation™. It’s our proprietary investment strategy that harnesses economic trends to maximise your returns at the risk level that feels right to you.

  • A focus on what matters

    ERAA™ monitors economic trends and valuations to make informed, intelligent management decisions for your investment portfolios. Focusing on solid economic fundamentals, we don’t bother reacting to short-sighted, sporadic market activity.

    That, with an easy-to-use, flexible platform, you can finally have the investment experience you deserve.

  • More data, less guessing

    Our system determines the best asset allocation for your personal portfolios based on economic conditions, not on how the market is doing that day. When economic conditions change to a recession, for example, your portfolio’s asset allocation automatically changes to maximize your returns and keep your risk level constant.

  • More diversification, less risk

    The portfolios we build have up to 19 differentiated and global asset classes, such as stocks from a variety of sectors from around the world, bonds issued by governments and corporations, and gold. This level of diversification protects you from sudden drops in any given asset class and prepares your investments for any economic environment.

What can your portfolios do for you?

  • Simultaneously reflects your personal preferences, your goals, and economic conditions.

    Our system determines the best asset allocation for your personal portfolio based on who you are, what you want and the economic conditions that are the ultimate drivers of medium-term returns.

  • Dynamically maintains your desired risk preferences in any economic environment (yes, even a recession).
  • Seeks undervalued opportunities, and avoids overvalued assets

How does ERAA™ compare to other investment strategies?

We don’t only look at returns. With us, you’ll see less volatility, or ups and downs, and that means you won’t have to worry about whether the market will be down when you plan to cash out. From 2002 to 2017, our balanced and growth portfolios achieved average annual gross returns of 6.3% and 7.2%  with just 5.6% and 7.2% volatility, respectively. This compares favourably to S&P 500’s 7.4% return at 12.2% volatility.

It’s a portfolio you can count on. Just look at how we did in the 2008 Financial Crisis.

How we make it happen

  • Focus on intelligent risk management

    Our system considers your personal risk preferences, time horizon, and goal targets. In addition, when there are notable changes in the economic environment, our system would adjust your asset allocation to manage your risk.

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  • Flexibility and precision through fractional shares

    As we buy shares down to 0.0001 units of an ETF, you have the flexibility to invest in multiple portfolios. In addition, fractional shares offer precision such that we can maintain your exact risk preference no matter how the markets are doing or how much you invest.

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  • Automated rebalancing

    When an asset outperforms the other assets in your portfolio, the system automatically rebalances the portfolio to get it back on target to maintain your risk level. This is included in your management fee, because you shouldn’t have to pay extra just to maintain your investments.

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  • Cost-efficient

    With our technological advancements, we’ve made our portfolio management cost-efficient. We share that cost efficiency with you in the form of low fees.

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Thorough ETF selection

  • Diversified

    We use 19 different asset classes that span across sectors and geographies. Through these 19 ETFs, you get access to 14,000+ securities.

  • Efficient

    The ETFs in which we invest have low tracking errors, low bid/ask spread, and optimal expense ratios to achieve highest efficiency.

  • Reliable

    When selecting ETFs, we make sure they have strong managers, high liquidity, and real underlying assets.

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Because this is what investing should be

Pranay Gupta, MD, AllocationMetrics, Former Head of Multi-Asset Strategies at Temasek's Fullerton Fund Management, and StashAway Advisory Committee member

Freddy Lim, Co-Founder, Chief Investment Officer, StashAway

Frequently Asked Questions

  • Why does your emphasis on the risk-management matter?

    Our investment framework takes a holistic, long-term viewpoint that aims to achieve similar returns as benchmarks do with a fraction of the risk. There can always be temporary drawdowns, but with a long-term view, we can recover from them quickly. See here for how we would have recovered from the 2008 financial crisis.

  • What are the expected returns?

    We have 28 risk profiles that allow you to personalise your investment portfolios. Our portfolios are designed to achieve average net returns between 3.8% and 9% over the medium-to-long term, depending on the risk profile you select.

  • Can I pick my own securities?

    Our risk-management investment framework distinguishes us from other wealth managers. If we were to allow you to select your own securities, we would not be able to optimise your portfolio to the fullest extent.

  • What time-frame do you recommend I take with a portfolio with StashAway?

    Our investment strategy is meant for medium-to-long-term investments of at least a 3-5 year time horizon. Keep this time horizon in mind for your own planning purposes.  Our investment decisions prepare you for the long term, not to react to market noise. And remember: no portfolio manager will be ‘up’ every day.

Learn more about what’s behind ERAA™

  • What’s an economic regime, and why does it matter?

  • How ERAA™ manages portfolios in the face of uncertainty in the economy

  • Tell me more about these valuation gaps you look for

  • Why we focus on asset allocation, not securities selection

  • Are we an active or passive portfolio manager?

  • Our ETF selection criteria and considerations

Still want to know more?

Join us at our next ERAA™ seminar, where our management team will dive deep into how our portfolios change across economic cycles and answer any questions you may have.

This is investing, redefined.

Start investing to take control of your financial future.

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