Meet ERAA^®

When investing as an individual, there are minimum trade sizes and high transaction costs imposed on the account. 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, which is nearly impossible if you were to do it on your own.

The regulation requires us to verify your bank account. For us to do that, you'll need to transfer at least $10,000 HKD or $1,300 USD for your first deposit. StashAway does not impose any minimum balance and this is just a regulatory requirement for verification purpose. There is no minimum balance for your subsequent deposits with the same bank account. You have full discretion on how much and when you want to invest, including no minimum balance to maintain the account. You may also skip a month or two, resume, and withdraw whenever you wish. All without incurring charges or penalties.

ERAA® (Economic Regime-based Asset Allocation) is an adaptive asset allocation framework that uses macroeconomic data to dynamically adjust investment portfolios. By intelligently monitoring and rebalancing based on different economic regimes, ERAA® seeks to minimize risk and optimize returns for investors in the ever-changing markets.

ERAA® adopts a dynamic asset allocation model that continuously tracks economic indicators such as inflation and growth. By identifying changes in economic cycles and adjusting asset allocation accordingly, ERAA® ensures that each investment portfolio aligns with users' risk preferences and prevailing market trends.

ERAA® features built-in risk shields. When the market or macroeconomic environment becomes uncertain or high-risk, ERAA® will automatically activate all-weather asset allocation strategies to adjust portfolios and reduce the risk of capital loss.

Dynamic asset allocation, a key feature of ERAA®, means the system intelligently adjusts asset weights in the portfolio in response to shifts in economic data and asset valuations. This approach is designed to adapt to different economic regimes, enhance returns, and manage risk.

When major changes occur in economic data or asset valuations, ERAA® will automatically rebalance and optimize portfolios. For example, if certain assets become significantly overvalued or undervalued, the system adjusts their weighting. ERAA® also executes forward-looking rebalancing in response to major market events or economic turning points.