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Help Center - StashAway

Help Center

We break down your annual fee into monthly payments and we do this at the start of every month. For example, we’ll charge you January’s fees in the first week of February. We’ll also include the management fee charges in Monthly Statements, available in your account.

When does StashAway bill me for the fees?

At StashAway, we know that high fees significantly reduce investment returns. That's why we leverage advanced technology to lower our costs of serving you. In turn, we offer these savings back to you as lower fees. 
Our technology automates repeated tasks to create sophisticated reporting to monitor investment performance. With traditional advisors, customers are paying for the inefficiencies of the wealth management industry, and that shouldn’t be the case! We know that if you do well, we'll do well too.
To learn more about how StashAway can charge lower fees, click <a href="https://www.stashaway.hk/r/how-stashaway-can-charge-low-fees">here</a>.

How can StashAway charge lower fees compared to other banks and financial advisors?

Absolutely! We were founded on the belief that high-quality financial advice should not come at a prohibitive price, and that low fees are a key ingredient to our customers' long-term financial success. We are committed to keeping our fees low.

Will prices always remain at these low levels?

Not at all!
If you choose to deposit or withdraw in HKD, there will be a 0.10% currency conversion rate charged by our custodian bank (Citibank). This fee is embedded in the exchange rate.
If you'd like to deposit or withdraw in USD, there will be no currency conversion fees but your bank may charge other processing fees so we would encourage you to check with your bank first.

Are there fees for transferring money in or out of the account?

We only charge one fee and it’s the management fee. The management fee is calculated as a percentage of your total assets with us, ranging from 0.2% to 0.8% (see our pricing page) and is charged monthly, prorated for the number of days you're invested with us. 
More details on how StashAway can charge low fees can be found <a href="https://www.stashaway.hk/r/how-stashaway-can-charge-low-fees">here</a>.
 
What are the other fees charged by third parties?
ETF managers charge a low management fee, averaging 0.15% to 0.25%. We ensure only cost-efficient ETFs are included in all our portfolios.
Our custodian bank charges a currency conversion fee of 0.10% when we convert the HKD into USD to purchase ETFs. This preferential rate compares favourably against the significantly higher currency conversion fees charged by commercial banks (easily between 0.35% to  0.70% depending on the transaction size)
 
Learn more: <a href="https://www.stashaway.hk/pricing">StashAway Pricing</a>

What are the fees charged by StashAway and how are the fees calculated?

Fees are paid monthly with the 1% cash allocation in your portfolio. 
We charge an annual management fee, as a percentage of assets managed that we charge monthly.