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Help Center

With Flexible Portfolios, you get the freedom to customize portfolios the way you want. You can choose which asset classes to include and adjust their allocations according to your preferences. You’ll also be able to create a portfolio from scratch or start with one of our standard, template portfolios. What’s more? You can edit your Flexible Portfolio anytime, even after it has been created and funded!

What are Flexible Portfolios?

Flexible Portfolio templates allow you to customise your portfolio from a pre-built template curated by our investment team. We currently offer 3 different templates: Risk-focused, Passive Income, and World Index Tracking. Whichever template you chose, you can decide which assets to include or remove, and adjust their allocations according to your preferences

What are the Flexible Portfolio templates?

The Risk-focused template is designed to build the foundation of your wealth with globally-diversified assets that align with your risk appetite. It offers 5 different Risk Levels and has exactly the same composition as our signature General Investing powered by StashAway portfolios. But with the template, you’ll be able to adjust assets and their allocations based on your preferences. Do note that if you decide to make changes to your template portfolio, your overall portfolio risk might change, too. You will be able to see it in the app.

What is a Risk-focused template and what does it comprise of?

The Passive Income template offers a 99% exposure to a variety of bond assets. This template may suit you if you’d like to create an additional income stream. You can choose from 2 risk levels that offer different risk-reward ratios. Do note that if you decide to make changes to your template portfolio, your overall portfolio risk might change too

What is Passive Income template and what does it comprise of?

Tracking market indexes is a popular method of long-term wealth accumulation, since they typically cover a broad range of diversified assets. For instance, global market indexes provide investment exposure to the whole world, reducing the impact of volatility from being overexposed to one region or industry. The World Index Tracking template offers 3 different Risk Levels.

What is World Index Tracking template and what does it comprise of?

Yes, we’ll rebalance templates just like any other Flexible portfolio. Rebalancing a portfolio involves maintaining the target allocation that you set. We rebalance your portfolios because market movements can affect the price of assets, which in turn affects their proportions within your portfolio.

Will my templates be rebalanced?

No, we won’t reoptimise your templates, just like any other Flexible Portfolio.. Reoptimisation refers to the changes we make to other portfolios managed by us, in order to keep our clients’ risk profile constant during shifts in economic conditions. When this happens, we may introduce new ETFs or change the weightage of existing ETFs in our clients’ asset allocation.

Will my templates get reoptimised? 

Yes, there’s no limit to how many template portfolios you can have.

Can I have multiple template portfolios?

Our annual management fee for Flexible Portfolios ranges between 0.2% and 0.8% p.a. There's no minimum investment amount and no subscription fees, switching fees, nor rebalancing fees. Learn more about <a href="https://www.stashaway.com/pricing">our pricing</a>.
 
You can also get free investing until 30 June 2023 on any fresh funds deposited into Flexible Portfolios with <a href="https://www.stashaway.hk/help-center/8356047715865-what-are-the-terms-and-conditions-of-the-launch-promotion-for-flexible-portfolios">our launch promotion</a>.

What are the fees for Flexible Portfolio templates?

We manage your portfolio by always maintaining your asset allocations according to the proportions you set. We’ll also notify you if there are any major changes to your Flexible Portfolio’s Risk Level. This means we won’t re-optimise your Flexible Portfolios on your behalf when market conditions change.

How does StashAway manage my Flexible Portfolio?

We do this by maintaining the target allocations set by you. When market changes influence the asset allocation of your portfolio, we will re-align it to its target proportion (weightage) by buying and/or selling specific assets. Your portfolio is also rebalanced when you make a deposit, request a partial withdrawal or make a change in the allocations within your portfolio. Rebalancing is important, even if the asset class is performing well because it allows an investor to stay on target with his or her original investing strategy.

How does StashAway rebalance my Flexible Portfolio?

No. Flexible Portfolios will not be re-optimised by StashAway, so we’ll maintain your asset classes and allocations in the proportions you set them even if there are changes in economic conditions. However, the underlying individual ETFs within each asset class may be subject to being replaced by more cost-efficient or preferable funds in the market.

Will StashAway re-optimise my Flexible Portfolio?

Your Flexible Portfolios will be rebalanced by us, but will not be re-optimised when economic conditions change. 
 
<ul>
<li>
Rebalancing a portfolio involves maintaining the target allocation set by you. This is done because market movements affect the price of assets, which in turn affects their proportions within your portfolio. 
</li>
<li>Re-optimisation refers to the changes we make to other portfolios managed by us, in order to keep our clients’ risk profile constant during shifts in economic conditions. When this happens, we may introduce new ETFs or change the weightage of existing ETFs in your asset allocation.</li>
</ul>

What is the difference between rebalancing and re-optimisation?

We choose the largest, most liquid, most tradable, and most cost-effective ETFs with the lowest tracking error to their indexes, and those with 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 issuers. You can find our fund selection criteria <a href="https://www.stashaway.hk/r/how-stashaway-selects-etfs">here</a>.

How does StashAway choose ETFs for each asset class?

The underlying ETFs within each asset class may change. Our investment team carefully selects each individual ETF, and they may be replaced by more cost-efficient or preferable funds in the market.

Will the underlying ETFs under the asset classes always remain the same?

We keep at least 1% of your assets in cash for rebalancing and your platform fees.

Why can’t I remove cash from my Flexible Portfolio?

It's really up to you! You can create as many Flexible Portfolios as you want depending on your needs and preferences.

How many Flexible Portfolios can I create?

1% is the minimum.

What is the minimum allocation per asset class within a Flexible Portfolio?

There’s no minimum amount to start investing with Flexible Portfolios.

What’s the minimum amount required to invest in a Flexible Portfolio?

Our annual management fee for Flexible Portfolios ranges between 0.2% and 0.8%. There's no minimum investment amount and no subscription fees, switching fees, nor rebalancing fees. Learn more about our pricing <a href="https://www.stashaway.hk/pricing">here</a>.
 
You can also get free investing until 30 June 2023 on any fresh funds deposited into Flexible Portfolios with our <a href="https://www.stashaway.hk/help-center/8356047715865-what-are-the-terms-and-conditions-of-the-launch-promotion-for-flexible-portfolios" target="_self">launch promotion</a>.

What are the fees involved in creating a Flexible Portfolio?

No, however, you may create a new Flexible Portfolio with your desired asset classes, and then transfer the funds from your existing portfolio(s) to the new Flexible Portfolio.

Can I convert an existing portfolio to a Flexible Portfolio?

The Risk Level is a measure of risk, expressed as a percentage, whereby in any given year, there is a 99% probability that you won’t lose more than this percentage in terms of the portfolio’s value.
 
These are the Risk Level brackets for Flexible Portfolios.
<ul class="wysiwyg-text-align-justify">
<li style="font-weight: 400;" aria-level="1">Very Conservative: Up to 7%</li>
<li style="font-weight: 400;" aria-level="1">Conservative: 8-13%</li>
<li style="font-weight: 400;" aria-level="1">Moderate: 14-19%</li>
<li style="font-weight: 400;" aria-level="1">Balanced: 20-25%</li>
<li style="font-weight: 400;" aria-level="1">Aggressive: 26-32%</li>
<li style="font-weight: 400;" aria-level="1">
Very aggressive: 33% and more 
</li>
</ul>
For example, in a worst-case scenario, there's a 99% chance a Balanced portfolio won't lose more than 25% of its value in any given year. Generally, a higher Risk Level percentage denotes a more risky portfolio, and thus should be accompanied with a longer term investment horizon.
 
We calculate the Risk Level by looking at long-term asset class return and assumptions, and we update these calculations.
 
Your portfolio's Risk Level could change for one of two reasons: In the case that the quarterly update calculates a new Risk Level, or in the case that our investment team replaces a particular ETF in favour of a similar, more cost-efficient or preferable one in the same asset class.

How is the Risk Level calculated for Flexible Portfolios?

Questions about Customizing your own portfolios