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Both portfolios are investing in USD-denominated ETFs, which are globally diversified portfolios. The difference is;
<ul>
<li class="wysiwyg-text-align-justify" style="font-weight: 400;" aria-level="1">Goal-based Investing: the portfolio is created and automatically adjusted over time to help you to achieve a particular financial goal</li>
<li class="wysiwyg-text-align-justify" style="font-weight: 400;" aria-level="1">General Investing: the portfolio is created and automatically adjusted over time so that your risk remains constant </li>
</ul>

What is General and Goal-based Investing?

We don’t qualify our portfolios based on expected returns. Instead, we qualify them based on how much risk to which you’ll be exposed. 
Every StashAway portfolio is defined by the StashAway Risk Index, which indicates the potential loss of a given portfolio. 
<ul>
<li class="wysiwyg-text-align-justify" style="font-weight: 400;" aria-level="1">Core Portfolios have a StashAway Risk Index between 6.5% and 22% </li>
<li class="wysiwyg-text-align-justify" style="font-weight: 400;" aria-level="1">Higher-risk Portfolios have a StashAway Risk Index between 26% and 36%</li>
</ul>

What’s the difference between Core Portfolios and Higher-risk Portfolios?

In goal-based investing, StashAway will recommend a level of risk for each of your goals, based on your timeline, personal risk preferences, financial situation, and financial knowledge and investing experience. For goals with longer timelines, StashAway will recommend higher-risk portfolios; for goals with shorter timelines, more balanced portfolios.
If you decide to create a portfolio through StashAway’s “general investing” option, the platform will inform you in the case you take more risk than you initially declared you wish to take with us.
However, for all our portfolios, the platform will cap the maximum risk you can take if you indicate to us that you do not have sufficient financial knowledge, investing experience, or that your financial situation is not solid.
If you wish to invest in the higher risk portfolios, please refer to "How is my portfolio personalised for me and how does the outcome of the financial assessment affect my portfolio risk settings?" in the “Getting Started” section.

What are the assumptions of StashAway’s financial advisory algorithm?

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.

What is the StashAway Risk Index?

Dollar-Cost Averaging is investing a fixed dollar amount on a regular schedule, regardless of market conditions. You will purchase more shares when prices are low and fewer shares when prices are high. This helps you to avoid investing at market tops, and take advantage of low prices when the market drops.

What is dollar-cost averaging?

We display Total Returns, Time-weighted Returns (TWR), and Money-weighted Returns (MWR). The multiple ways of viewing your returns give you the flexibility to understand the performance of your individual portfolio(s) depending on how you wish to evaluate your portfolio(s).
 
What is Total Return?
Total Return is the dollar gain or loss in the currency term you select to display.
 
What is Time-weighted Return?
Time-weighted return (TWR) is the percentage gain or loss assuming no withdrawal/deposit during the period. It is commonly used in the financial industry, to compare returns between different funds. 
 
What is Money-weighted Return?
Money-weighted Return (MWR) is the percentage gain or loss taking into account all withdrawal/deposit during the period. It helps to gauge the effectiveness of an investor’s timing of deposits and withdrawals. It does this by assigning a weight to each of your deposits and withdrawals and calculating returns based on those weights.

How are my returns calculated?

Absolutely!
 
For Web App users:
Step 1: Log in to your Account and select the goal you  wish to update under "My Investments"
Step 2: Go to "More option" on your right-hand side.
Step 3: Select "Adjust Risk / Rename Portfolio” and make changes to the portfolio as you wish by moving the slider.
Step 4: Click "Confirm" to update the portfolio.
 
For Mobile App users: 
Step 1: Log in to your Account and select the goal you  wish to update under "My Investments"
Step 2: Click the 3 dots on your top right screen and select "Adjust risk".
Step 3: Make changes to the portfolio as you wish by moving the slider
Step 4: Click "Confirm" to update the portfolio.

Can I change my investment plan later? 

You can make any changes to your account by logging into your StashAway account.
To make changes to your goal or to delete it, you can do the following:
 
For Web App users:
Step 1: Select the Portfolio you would like to edit
Step 2: Go to “More actions”
Step 3: Select “Delete portfolio” to delete your goal
 
For Mobile App users:
Step 1: Select the Portfolio you would like to Edit
Step 2: Click on the 3 vertical dots on the top right-hand corner of your screen
Step 3: You can proceed to delete or make the changes you want
 
Note that if you choose to make changes to the monthly deposit amounts, you must also indicate those changes in your bank account standing instructions.

How do I make changes or delete my goal?

Questions about our General Investing and Goal-based portfolios