Long-Term wealth, the smart way
Say goodbye to one-size-fits-all investing and welcome to investing that aligns with your goals, risk appetite, and time horizon. Invest in globally-diversified portfolios that capture long-term returns, all while keeping risk constant.
Fees as low as 0.2%
See pricing
We’re licensed by the Securities and Exchange Commission (License no. Lor Khor-0136-01).
Risk Managed, Returns Maximised
Because you are more than low, medium, high risk. Bold, cautious or anything in between, you decide on the risk that works for you.
With the StashAway Risk Index, you can rest easy knowing your investment will not lose more than you're willing to tolerate regardless of the economic conditions.
Expert-curated and managed portfolios
Our proprietary investment strategy, ERAA™, manages your portfolios based on macroeconomic data, not gut feelings. It determines the best asset allocation for portfolios based on economic conditions, and not how the market is doing that day. When economic conditions change, your portfolio's asset allocation changes to maximise your returns and keep your risk level constant.
Our General Investing Portfolio
About this portfolio
- Keeps risk constant while optimising for returns
- Expect long-term outperformance, and occasional deviation from how the markets are doing in order to keep your risk level constant
General Investing is intelligent investing
- Gives you intelligent, global diversification across many asset classes
- Aims to outperform the benchmark in the long term
- Seeks optimal risk-adjusted returns in the long term
- Powered by some of the world's top fund managers
- Built with cost-effective ETFs
Number of underlying funds
- 13-24
Average expense ratio
- 0-2% p.a.
General Investing is easy investing
- Set up a portfolio in minutes
- Portfolios are automatically updated by experts, so you don't have to do a thing
- No minimum balance or monthly requirements
- Low fees, and never any hidden fees
- No lock-in period
Our expertise helps you focus on returns
Our returns
Portfolio Type
General Investing
Risk level
18%
Lower Risk
Higher risk
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Annualised since Inception |
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This is how a $100,000 deposit would have grown over time
Projected returns are for illustration purposes only. We calculate these returns before fees.
The inception date for portfolios with SRI 6.5%, 8%, 10%, 12%, 14%, 16%, 18%, and 20% is 19 July 2017; the inception date for portfolios with SRIs of 26%, 30%, and 36% is 16 August 2018; the inception date for the portfolio with SRI 22% is 15 August 2019.
Past performance is not a guarantee for future returns. Please study the product's features, return conditions, and relevant risks before making an investment decision.
Our investment framework's goal isn't to beat the markets every day. In fact, depending on how much risk you decide to take, you'll likely still experience short-term volatility at times. But, through those bumps, your StashAway portfolios can recover more quickly compared to investments with the same risk level that don't maximise returns. The end result? The opportunity for less painful drawdowns in the short term, and stronger performance in the medium to long term.
Begin your investment journey
Start investing from as little as you want.
Frequently Asked Questions
What is the StashAway Risk Index?
This is the measurement we use to determine how much risk our system should expose you to, which then determines your portfolio’s asset allocation. We gave it our own name not to be fancy, but because it’s a specific application of a fairly common risk metric called Value-at-Risk (VaR).
To calculate the potential loss of a portfolio in a year, we use Value-at-Risk (VaR). At StashAway, we use 99%-VaR, meaning a portfolio has a 99% probability of not losing more than a given percentage of assets in a year.
Here’s an example: a StashAway portfolio with 100,000 THB and a StashAway Risk Index of 10% has a 99% probability of not losing more than 10%, or 10,000 THB in a year. In other words, there is a 99% probability that your portfolio’s value won’t decrease below 90,000 THB if you select a 10% StashAway Risk Index.
How often is my portfolio rebalanced and optimised?
Rebalancing:
When a particular asset reaps significant gains relative to other assets in the portfolio, its market value weight increases above target allocation. Without rebalancing, the portfolio is increasingly concentrated in the outperforming asset class hence raising risks. Our algorithm checks customer portfolios daily, and performs rebalancing when allocations deviate from targets by more than our "optimised" bands. This can happen weekly, monthly or quarterly, depending on the markets' volatility and performance.
Re-optimisation:
Returns and risks of each asset class change when the economic environment changes. For example, between Jan-1982 and Dec-2016, the S&P 500 returned +16.4% year over year (yoy) in "disinflationary growth", -10.3% yoy in a "recession", +8.8% yoy in "inflationary growth" and 2.7% yoy in "Stagflation". To optimise customers' portfolios, StashAway builds portfolios that consist of a mixture of asset classes optimum for a given economic environment. Our investment framework, ERAA (Economic Regime-based Asset Allocation), identifies and signals a change in the economic cycle and our technology automatically re-optimises portfolios’ asset allocations. This change in asset allocation is important because it allows us to manage risk and improve returns in different economic environments. This change is "strategic" (can happen once a year to once every few years) but may be as frequent as 2-3 times a year if there is a lot of economic uncertainties.
Why shouldn't I just invest in the ETFs you have chosen on my own?
When investing as an individual, there are minimum trade sizes and high transaction costs imposed on the account, and this makes investing as an individual cost-prohibitive. With StashAway, you will benefit from the constant monitoring, rebalancing, and re-optimisation that we provide. Moreover, StashAway is able to offer fractional shares to make your portfolio more precisely allocated that is nearly impossible if you were to do it on your own.
Watch: Why should I use StashAway instead of investing in the same ETFs on my own?
Learn more: Who Should Manage Your Investments?
What safeguards does StashAway have in place to ensure that my assets are protected from fraud?
We have taken every possible measure to protect your assets, from requiring two-factor authentication for any changes and identity verification for withdrawals, building a secure server infrastructure to protect you from cyber attacks, and partnering with a large bank to store your assets.
To learn more, please visit here .