Control your risk, maximise your returns
Invest in globally-diversified portfolios that capture long-term returns, all while keeping risk constant.
General Investing powered by StashAway®
StashAway’s intelligent investment framework, ERAA® (Economic Regime-based Asset Allocation), uses data, not emotion, to optimise each portfolio through changing economic environments.
About this portfolio
- Keeps risk constant while optimising for returns
- Expect long-term outperformance, and occasional deviation from how the markets are doing in order to keep your risk level constant
Number of underlying funds
Average expense ratio
- 0.2% p.a.
|YTD||2022||2021||2020||2019||2018||2017||Annualised since Inception|
Our expertise helps you focus on returns
General Investing is intelligent investing
- Gives you intelligent, global diversification across many asset classes
- Aims to outperform the benchmark in the long term
- Seeks optimal risk-adjusted returns in the long term
- Powered by some of the world’s top fund managers
- Built with cost-effective ETFs
General Investing is easy investing
- Set up a pre-made portfolio in minutes
- Portfolios are automatically updated by experts, so you don’t have to do a thing
- No minimum balance or monthly requirements
- Low fees, and never any hidden fees
- No lock-in period
Check out other General Investing strategies
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Frequently Asked Questions
What is the StashAway Risk Index?
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 USD and a StashAway Risk Index of 10% has a 99% probability of not losing more than 10%, or $10,000 USD in a year. In other words, there is a 99% probability that your portfolio’s value won’t decrease below $90,000 USD if you select a 10% StashAway Risk Index.
How often is my portfolio rebalanced and optimised?
When a particular asset reaps significant gains relative to other assets in the portfolio, its market value weight increases above target allocation. Without rebalancing, the portfolio is increasingly concentrated in the outperforming asset class hence raising risks. Our algorithm checks customer portfolios daily, and performs rebalancing when allocations deviate from targets by more than our "optimised" bands. This can happen weekly, monthly or quarterly, depending on the markets' volatility and performance.
Returns and risks of each asset class change when the economic environment changes. For example, between Jan-1982 and Dec-2016, the S&P 500 returned +16.4% year over year (yoy) in "disinflationary growth", -10.3% yoy in a "recession", +8.8% yoy in "inflationary growth" and 2.7% yoy in "Stagflation". To optimise customers' portfolios, StashAway builds portfolios that consist of a mixture of asset classes optimum for a given economic environment. Our investment framework, ERAA (Economic Regime-based Asset Allocation), identifies and signals a change in the economic cycle and our technology automatically re-optimises portfolios’ asset allocations. This change in asset allocation is important because it allows us to manage risk and improve returns in different economic environments. This change is "strategic" (can happen once a year to once every few years) but may be as frequent as 2-3 times a year if there is a lot of economic uncertainties.
Why shouldn't I just invest in the ETFs you have chosen on my own?
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.
Learn more: Who Should Manage Your Investments?
How should you compare your StashAway returns to the returns of your other investments?
A single return figure (Time-Weighted Returns vs Money-Weighted Returns) does not tell the whole story of how well a portfolio performs.
Returns are one thing but the level of risk exposure your portfolio has in achieving those returns is an entirely different matter.
Remember to consider how much risk your portfolio manager exposes your money to in the name of getting your returns.
What safeguards does StashAway have in place to ensure that my assets are protected from fraud?
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.