Regular Investing Advantage

Regular Investing Advantage is StashAway’s ongoing commitment to reward consistency, a crucial investing behaviour that helps build long-term wealth.

Regular Investing Advantage currently applies across:

• Eligible Investment Portfolios, and
• ETF Explorer portfolios.

The way the advantage is applied depends on the portfolio you invest in:

1. If you make a positive net investment within a calendar month into one or more eligible Investment Portfolio(s), you will receive an additional 0.15% p.a. boost on a portion or the whole of your Simple and/or Simple Plus portfolio(s). The 0.15% p.a. boost applies only to eligible Investment Portfolios. 
2. If you invest in an ETF Explorer portfolio within a calendar month, you will receive free buy orders for the same ETF Explorer portfolio in the following month.

For a transaction to count toward that month’s calculation, the funds must be successfully reflected in the relevant eligible Investment Portfolio(s) or ETF Explorer portfolio(s) before the end of the calendar month. Transactions initiated near month-end may take time to process. If they are not reflected in the portfolio before month-end, they will count toward the following month instead.

Regular Investing Advantage applies differently depending on whether you invest in Investment Portfolios or ETF Explorer, but both are based on the same principle of investing consistently over time.

For full Regular Investing Advantage terms and conditions, click here.

The 0.15% p.a. ‘boosted amount’ is the portion of your Simple and/or Simple Plus balance that earns an additional 0.15% p.a. boost if you meet the qualifying criteria. This is applicable to both cash and SRS Simple and Simple Plus portfolios.

The boosted amount is calculated as follows:

• At the end of each calendar month, we calculate your net investment into eligible Investment Portfolio(s) for that month.
• If your net investment is positive in a given calendar month, this net investment amount is added to your existing boosted balance. If you don’t have an existing boosted amount (i.e. it is zero), then the boosted amount for that month is the net investment amount.
• Your boosted amount accumulates as you continue investing month after month. 

What counts as investments for the positive net investment calculation?

• Fresh funds invested into eligible Investment Portfolio(s), and
• Transfers from Simple, Simple Plus, and Simple Fixed into eligible Investment Portfolio(s).
• Transfers between Investment Portfolio(s) do not count as investments.

To qualify for a month, transactions must be successfully reflected in the eligible Investment Portfolio(s) before the end of that calendar month. Transactions initiated near the month-end may take time to be processed and may not be counted for the current month.

For example:

• If you invested $5,000 SGD into the General Investing by StashAway portfolio in March, $5,000 SGD in Simple and/or Simple Plus will be boosted by 0.15% p.a. for one month.
• Invest $5,000 SGD again into the General Investing by StashAway portfolio in April, and $10,000 SGD in Simple and/or Simple Plus will be boosted by 0.15% for the next month.

For ETF Explorer, the Regular Investing Advantage reward is free buy orders for the same ETF Explorer portfolio in the following month.

This benefit applies only to ETF Explorer portfolios in which you invested in the preceding calendar month.

For example, if you invest in your S&P 500 ETF Explorer portfolio in April, you may receive free buy orders for that same S&P 500 ETF Explorer portfolio in May.

No. The ETF Explorer benefit works on a per-portfolio basis.

If you deposit into portfolio A this month, you will receive free buy orders for portfolio A next month.

If you want the ETF Explorer Regular Investing Advantage to apply to multiple ETF Explorer portfolios, you need to invest in each relevant portfolio.

For transfers between portfolios, only transfers from your cash management portfolios (Simple, Simple Plus, and Simple Fixed) into eligible Investment Portfolio(s) or ETF Explorer portfolio(s) count toward your Regular Investing Advantage eligibility.

Transfers between investment portfolios and/or ETF Explorer portfolios are not eligible. Transfers from investment portfolios to ETF Explorer will detract from your net investment amount in investment portfolios.