Fortune favours
the investor

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 SGD and a StashAway Risk Index of 10% has a 99% probability of not losing more than 10%, or $10,000 SGD in a year. In other words, there is a 99% probability that your portfolio’s value won’t decrease below $90,000 SGD if you select a 10% StashAway Risk Index.

Users can create a personal investment portfolio easily within minutes via the StashAway App. The system will recommend the most suitable portfolio template based on your personalized financial goals and risk preferences, with automated management and adjustment for your investment portfolio.

When comparing to traditional portfolio, StashAway’s personalized investment portfolios offer greater transparency, lower fees, and no minimum deposit requirements. StashAway’s portfolio management are done by intelligent system that automatically handles asset allocation and makes fine-tuned adjustments according to market conditions. This ensures that your personal investment portfolio aligns with your risk tolerance level, making it more time-efficient and worry-free when compared to managing a traditional portfolio.

Personalized portfolio managements are done by continuous monitoring of market trends by StashAway professionals, and uses of advanced asset allocation strategies (such as ERAA®) to automatically adjust your diversified portfolio, ensuring optimal asset distribution.

You can choose your personal investment portfolio based on your risk tolerance level, be it conservative, balanced, or aggressive. StashAway quantifies risks using StashAway risk index and will help you make the best investment decisions based on your needs.

Yes. StashAway has no lock-in period, allowing investors to adjust the risk level of their investment portfolio or redeem funds at any time, providing flexible personalized portfolio management to suit your financial needs.

The basis of our investment strategy is to build portfolios with particular asset allocations that are optimal for different phases of the economic cycle. When our technology identifies and signals a change in the economic cycle, our system will automatically re-optimise all portfolios' asset allocations, and this is what we called “re-optimisation”. Rebalancing a portfolio involves adjusting the composition of a portfolio by buying and/or selling specific assets in order to re-align a portfolio to its target composition in the case that price moves change the asset allocation of your portfolio.

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?

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 this link.