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Help Center - StashAway

Help Center

The following prescribed thresholds apply in order to be eligible to be treated as an AI:
- Income that exceeds 4 million baht
- Net personal assets that exceed 50 million baht
- Portfolio of securities worth 10 million baht
- Portfolio of securities and cash savings worth 20 million baht or more.
 
When we launch products and services especially for Accredited Investors, we’ll reach out so you can verify your eligibility.

How do I qualify for AI status?

What does it mean to be an Accredited Investor

Accredited Investors

We invest in US-domiciled ETFs that require USD for an investment. Therefore, we convert all your money into USD in order to invest in the selected US ETFs. 
 You may find our ETF selection <a href="https://www.stashaway.co.th/r/stashaways-etf-selection">here</a>.

Why does StashAway convert my money into USD?

General questions about how StashAway works

General Questions

We ask you explicitly about your risk preferences during the initial suitability assessment. Additionally, we give you the option to adjust the risk index for each portfolio as you wish.

How do you understand my attitude towards risk?

Frequently asked questions about opening an account and the app

Getting Started

The basis of our investment strategy is to build portfolios with particular asset allocations that are optimal for 4 different economic cycles. When our investment team identifies and signals a change in the economic cycle, our technology will automatically re-optimise all portfolios' asset allocations.
 
To give you more context, when the economy or markets shift in a significant way, our investment framework ERAA® will recommend changes to the target asset allocations for all the portfolios we manage to keep our clients’ risk profile constant while maximising long-term returns such that it is suitable for that particular environment.
 
This process is called Re-optimisation and when this happens, we may introduce new ETFs or change the weightage of existing ETFs in your asset allocation. While our system checks for rebalancing daily, our re-optimisation happens only from time to time and can be triggered by one of three events; a change in economic conditions, a change in the valuation of one or more asset classes, or by a triggering of ERAA®’s risk shield.
 
To learn more about our investment methodology, visit this <a style="background-color: #ffffff;" href="https://www.stashaway.co.th/r/stashaways-asset-allocation-framework" target="_self">link</a>.
 
Were you looking for rebalancing instead? Click <a style="background-color: #ffffff;" href="https://www.stashaway.co.th/en-TH/r/what-is-rebalancing" target="_self">here</a> for Rebalancing.

What is re-optimisation?

Questions about our portfolios and investment framework

Investments

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

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

Questions about our General Investing and Goal-based portfolios 

General & Goal-based Investing

Thematic Portfolio can be a strong addition to a core investment strategy. Thematic portfolios have a lot of long-term equity exposure, making them a great way to add diversification to your existing investment plan.
 
Thematic Portfolio are higher risk compared to our General Investing portfolios. This means that they’re certainly not a replacement for a balanced retirement plan and other savings plans, but they do have the potential to complement long-term financial plans. If you’re a starting investor we recommend you take a look at our General Investing portfolio.

How do Thematic Portfolio fit into my financial plan?

Thematic Portfolios

The annual management fee is calculated as a percentage of the total assets under management, ranging from 0.2% - 0.8%, and is charged monthly on a pro-rata basis. i.e if you invested on the 15th of a particular month, we will not charge you for the first 15 days.
 
The other fee included is the low fee associated with the ETFs, averaging 0.15% - 0.25%.
 
Additionally, there is a currency conversion fee charged by our vendor, at 0.1% of the transaction amount. This preferential rate compares favorably against the significantly higher currency conversion fees charged by commercial/retail banks (easily between 0.4% and 1.0% depending on transaction size). 
 
Unlike most traditional financial managers, we do not (and never will) charge for withdrawals or account closures. We also don’t charge a front-end fee, remittance fee, trading commission, and custodian fee.
 
More details on how StashAway can charge low fees can be found <a href="https://www.stashaway.co.th/r/how-stashaway-can-charge-low-fees">here</a>.

What are the fees associated with StashAway?

Fees

All dividends of US-listed securities are subject to a 30% dividend withholding tax and the QII (Qualified Interest Income) rule. The latter rule applies to US-domiciled funds, especially US government bonds, of which some of the dividend withholding taxes can be claimed back. 
 
Our broker will do this on your behalf.
 
These taxes are applicable as long as you own US-listed assets, regardless of whether the assets were bought through StashAway, or via your own broker.
 
Additionally, these taxes are held at source and would have already been deducted from the dividend payments shown on your 'Transactions' tab.

Do my dividends get taxed in the US?

Questions relating to capital gains and dividend taxes on your portfolios 

Taxes

Your money will always be segregated from StashAway's finances, and your assets will always be held in large institutions. Your funds are in a custodian account with Kasikorn Bank, while your purchased securities go to an offshore custodian account with Citibank through Saxo Capital Markets.