Doing the right thing with your money just got a lot easier. Select your risk exposure, and from there, we’ll manage your risk, maximise your returns, and navigate your money through changing economic environments. And it’s all automated, so you don’t have to do a thing.
We’re licensed by the Securities and Exchange Commission, Thailand. Find out more.
We’ll handle the complexity so you can focus on the things you want to do. Here’s what’s behind our portfolios:
vetted ETFs, narrowed down to 35
underlying securities in any given portfolio
economies to which you have exposure
years of relevant industry experience
hours of research and stress-testing
Our investment framework, ERAA™, has been stress-tested through some of the toughest economic conditions, such as the 2008 Global Financial Crisis. After analysing decades of economic data, it can navigate your money through both good times and not-so-good times so that you can always sleep at night.
Forget what they told you. Higher returns don’t actually have to come with higher risk. While other fund managers expose your capital to unnecessary risk in pursuit of higher returns, we maximise returns within given risk constraints. This risk-first approach keeps your losses in check and in control.
According to the end-2019 SPIVA US Scorecard, well more than 90% of fund managers underperform their benchmarks. Further, several long-term studies have concluded that asset allocation is responsible for between 80% and 96% of a portfolio’s return profile. So we focus on asset allocation, never stock picking.
An intelligent, intentional diversification strategy that exposes you to the right asset classes and geographies will give you the best combination of protection and performance in a given economic environment. Our investment team searches high and low, and near and far, so that your portfolios are set up to capture the greatest opportunities.
StashAway uses the investment framework ERAA™ to power its investments. Below is how ERAA™ performed compared to the same-risk benchmarks' since StashAway Singapore launched in July 2017. We compare our portfolios' annualised performance to their respective same-risk benchmarks because risk management is a core function of our investment strategy: We designed and manage our portfolios to maximise your returns without exposing your money to excessive, unnecessary risk to earn those returns.
Our same-risk benchmarks are proxied by MSCI World Equity Index (for equities) and FTSE World Government Bond Index (for bonds). The benchmarks we use have the same 10-years realised volatility as our portfolios.We calculate these returns before fees. All returns are in USD terms.Performance since launch in Singapore, 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. Last updated January 2022.
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.
We’re risk-first, meaning you select the risk you’re willing to accept, not the returns you’re after. The StashAway Risk Index (SRI) you select is the downside you’re willing to accept. Our system will manage your portfolio to make sure there’s a 99% chance your portfolio doesn’t exceed that limit. So, for example, if you select SRI 14%, there’s a 99% chance your portfolio won’t exceed a 14% drawdown in a given year.
We can buy fractions of shares as small as 0.0001 units of an ETF. That way, you can invest every cent whenever you want, instead of waiting for just the right amount of money to buy a full share. This precision allows us to maintain your exact risk preferences. Find out why fractional shares make a difference to your wealth.
When a given asset outperforms the other assets in your portfolio, our system automatically rebalances the portfolio to get it back on target to maintain your risk level. This is included in our management fee. Learn more about rebalancing.
We use ETFs to build our portfolios. ETF fund managers who build the ETFs usually charge a fee, known as an expense ratio, when fund managers (like us) buy their ETFs. The average expense ratio of the ETFs we carefully select is just 0.2% p.a. Learn how we select ETFs.
Our management fee for our investment portfolios is between 0.2% and 0.8% per annum for your investments. Learn more about our pricing structure.
StashAway offers simple to use investment products made of USD-denominated ETFs that are available to both retail and professional investors.
We create tailored portfolios based on your personal financial situation, risk preferences and financial goals. We ensure your risk remains constant and optimize for returns throughout different market cycles using our proprietary ERAA® asset allocation strategy, based on real-time economic data, instead of human emotions.
StashAway chooses the best-in-class ETFs on your behalf. We chose the largest, most liquid, most tradable, and most cost-effective ETFs with the lowest tracking error to the index and a sufficiently long track record. We choose simple ETFs, which means they have no leverage or complex payoffs, and have no ETNs to avoid credit risk of issuer.
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, which is nearly impossible if you were to do it on your own.