Put your corporate cash to work

To calculate the potential loss of a portfolio in a year, we use Value-at-Risk (VaR). At StashAway, we use 99%-VaR, which means 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 HKD and a StashAway Risk Index of 10% has a 99% probability of not losing more than 10% or $10,000 HKD in a year.

Rebalancing:

When a particular asset reaps significant gains relative to other assets in the portfolio, its market value weight increases above the target allocation. Without rebalancing, the portfolio is increasingly concentrated in the outperforming asset class hence raising risks. Our algorithm checks customers’ 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:

StashAway’s ERAA™ investment strategy : Historically, re-optimisation happens about once a year.

General Investing powered by BlackRock® : You can expect re-optimisation to occur around 4 to 6 times a year.

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.

Learn more : Who Should Manage Your Investments?

To open an account and make your first deposit, you'll need to transfer at least HK$10,000 or US$1,300. This is a regulatory requirement for bank account verification.

For subsequent deposits with the same bank account, there is no minimum balance required. You have full discretion on how much and when you want to invest, and there is no minimum balance to maintain your account.

StashAway Hong Kong is licensed by the Securities and Futures Commission (CE No. BQE542), and we are required by law to keep client assets separate from our own.

StashAway uses custodian banks, such as Citibank (Hong Kong) Limited for deposits and Citibank and HSBC in Singapore for securities and investable cash, through a trust account maintained by their broker (Saxo Capital Markets Pte Ltd). This means your assets are held in segregated accounts, separate from StashAway's operations and assets, ensuring you always have full access and claim to them regardless of what happens to StashAway.

Your company's assets are held in a segregated account in your name at our custodian banks — they are not part of StashAway's balance sheet. If StashAway ceased to operate, your assets would be returned to you directly through the custodian. We do not lend out client funds.

Any legally registered company with a Hong Kong bank account is eligible to open a corporate account with StashAway Hong Kong.

To complete the onboarding process, you will need to provide relevant corporate documents including but not limited to Certificate of Incorporation, Business Registration Certificate, and director identification. Your company also needs a Hong Kong bank account to fund your investments. 

Our team will walk you through the full document requirements once you get in touch. You can schedule a call with our team via this link.

It usually take up to 2-3 business days.

If your funds reach our Citibank Trust account before noon on a business day, it will be linked to your StashAway account on the same day. You will also receive an acknowledgement email from us.

The funds will usually be invested that same night (if we receive the funds before 3 pm) when the US market opens and are reflected in your account the following business day.

The withdrawal process usually takes up to 2 to 4 business days , as we will need to first sell the securities during US market hours on your behalf (same night if the withdrawal is received before 6pm). Then, we will perform the necessary checks, and then wire the funds from our trust account in Singapore to Hong Kong and to your bank account.

Step 1: Complete and sign three forms

All templates are provided — reach out to our team if you need them.

• Corporate Onboarding Form
• Entity Self Certification Form
• Individual Self Certification Form

Step 2: Submit certified copies of these documents

• Directors' Resolution in Writing
• HKID or Passport of all directors
• Business Registration Certificate
• Memorandum and Articles of Association
• Certificate of Incorporation
• Most recent audited company financial statements (optional)
• Company bank account statements (optional)

Documents must be certified by a lawyer, notary public, or practising CPA and dated within the last 3 months. You may also bring your originals to our office — our SFC-licensed staff can certify copies on the spot.

Step 3: Transfer funds to get started

Once your documents are verified, transfer funds from your company's Hong Kong bank account. Funds will be fully invested within 1 to 3 business days

Yes, you can. You can do so through:

For Web App users:

Step 1: Click to “Your Name” on the top right screen and then choose “Withdraw/Transfer”

Step 2: Select the Portfolio would you like to withdraw from

Step 3: Enter your “Withdrawal Amount”

Step 4: Confirm your withdrawal and bank account details

For Mobile App users: 

Step 1: Select “Transfer” on the top right and then choose “Take money out”

Step 2: Select the Portfolio would you like to withdraw from

Step 3: Enter your “Withdrawal Amount”

Step 4: Confirm your withdrawal and bank account details

You will then receive an email confirming your withdrawal request. If you encounter any issues, please feel free to reach out to us via email at support@stashaway.hk , WhatsApp at 9862 2676 or call at 5803 7274.

StashAway offers different investment products for investors. StashAway has the General Investing Portfolio, Responsible Investing Portfolio, Thematic Portfolios, and Flexible Portfolios that are guided by ERAA® (Economic Regime-based Asset Allocation). To find out more about ERAA®, click here. General Investing powered by BlackRock that provides investors with the broadest market exposure. To find out more about General Investing powered by BlackRock, click here.

Our historical returns are available at our website here and we update the historical returns quarterly.

Returns are one thing but the level of risk exposure your portfolio has in achieving those returns is also an important consideration when you compare your returns among investments. 

Here is an article where we talk about how you can consider risk. Remember to consider how much risk your portfolio manager exposes your money to in the name of getting your returns. 

Learn more about the StashAway Risk Index .

Under the Securities and Futures Ordinance (the "SFO"), you may be categorised as a Professional Investor (“PI”) by reason of you being a category of person falling under the definition of "professional investor" in Part 1 of Schedule 1 to the SFO and the Securities and Futures (Professional Investor) Rules.  A PI may generally have access to a wider range of financial products and services.To be eligible to be treated as a PI, you must first meet eligibility criteria (please refer to "How do I qualify for PI Status?" below) and you must opt in to be treated as a PI.PIs are assumed to be better informed, and better able to access resources to protect their own interests. PIs therefore, require less regulatory protection. Investors who agree to be treated as PIs, therefore, forgo the benefit of certain regulatory safeguards. Investors should consult a professional adviser if they do not understand any consequences of being a Professional Investor.  If you choose to be treated as an PI, this status will apply to all your account(s), investments, holdings, and dealings with StashAway going forward.

As you are being treated as a Professional Investor, we would not in relation to you be required to fulfill certain regulatory requirements under the SFO and the Code of Conduct for Persons Licensed by or Registered with the Securities and Future Commission (the “Code”).  Therefore, we would be exempt from the provisions as set out in paragraph 15.5 of the Code.  Please note the consequences of being treated as a Professional Investor:

a) Information about our Company

We are not required to provide you with information about our business or the identity and status of employees and others acting on our behalf with whom you will have contact.

b) Prompt confirmation

Should we effect a transaction for you, we are not required afterwards to confirm promptly with you the essential features of that transaction.

c) NASDAQ – Amex Pilot Program

If you wish to deal through the Stock Exchange of Hong Kong in securities admitted to trading on the Exchange under the NASDAQ – Amex Pilot Program, we are not required to provide you with documentation about the Program.

To qualify, a corporation must have either:

• A portfolio of at least HK$8 million or its equivalent in any foreign currency; or,
• Total assets of at least HK$40 million or its foreign currency equivalent;
• Or it is a corporation whose principal business is to hold investments and which is wholly owned by one or more professional investors

You are required to submit documents, e.g. 

• Bank statements, dated not more than 3 months ago
• Investment statements, dated not more than 3 months ago
• The most recent audited company financial statements

No, this is not a guarantee. The value of the portfolio is subject to market volatility, such as from changing interest rates.

The ETF behind USD Cash Yield portfolio is not subject to the US government's withholding taxes, as it is a UCITS-compliant ETF domiciled in Ireland with US bonds as the underlying assets. As such, this means that all dividends will be fully reinvested.

US Treasuries are backed by the US government, making them virtually one of the safest investments around. The US government has a long history of meeting its debt obligations since it can pay off its debts by raising taxes or printing more money. The only credit risk would come from the highly unlikely scenario that the US government would default.

Your portfolio will be charged a flat fee of 0.3% p.a.

In addition to the StashAway management fee, ETF managers also charge a small management fee of 0.07% p.a. for USD Cash Yield portfolio. Do note that if you deposit in HKD, StashAway’s custodian bank charges a small one-off currency conversion fee of 0.10%. This is because it is a USD-denominated portfolio and the fee is very competitive in comparison to most retail banks which charge between 0.35 - 0.7%. 

To summarise:

Total fee for USD Cash Yield portfolio =

StashAway management fee of 0.3%p.a.

+ ETF manager fee of 0.07% p.a.

+ currency conversion fee 0.10%.

StashAway charges a management fee, which is calculated as a percentage of your total assets under management. There are also some third-party fees and potential currency conversion fees.

Here's a breakdown of the fees:

StashAway Management Fee:

The annual management fee ranges from 0.2% to 0.8% of your total assets, depending on the portfolio type and amount invested. This fee is charged monthly, prorated for the number of days you're invested.

For Thematic Portfolios, the annual management fee ranges between 0.2% and 0.8%.

For Flexible Portfolios, the annual management fee also ranges between 0.2% and 0.8%. For a Single ETF Flexible Portfolio, the management fee is 0.3% p.a.

For the USD Cash Yield portfolio, a flat StashAway management fee of 0.3% p.a. is charged.

Other Fees (Third-Party):

ETF Manager Fees: ETF managers charge a low management fee, typically averaging 0.15% to 0.25%. For the USD Cash Yield portfolio, the ETF manager fee is 0.07% p.a.

Currency Conversion Fee: If you deposit in HKD, StashAway's custodian bank charges a one-off currency conversion fee of 0.10% when converting HKD into USD to purchase ETFs. This fee is embedded in the exchange rate.

Transfer Fees:

There are no fees for transferring money in or out of your account directly from StashAway.

If you choose to deposit or withdraw in HKD, there will be a 0.10% currency conversion rate charged by the custodian bank.

If you deposit or withdraw in USD, there will be no currency conversion fees from StashAway, but your bank may charge other processing fees, so it's advisable to check with them.

How and When Fees are Billed:

StashAway bills your annual management fee in monthly payments at the start of every month (e.g., January's fees are charged in the first week of February).

Fees are paid monthly using the 1% cash allocation in your portfolio.

Management fee charges are included in your Monthly Statements.