Both portfolios are investing in USD-denominated and US-listed ETFs, which are globally diversified portfolios. The difference is ;<ul><li>General Investing: Invest in long-term by enduring economic changes </li></ul><ul><li>Goal-based Investing: Similar to General Investing but with a personalised investment plan to achieve a particular financial goal</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>Core Portfolios have a StashAway Risk Index between 6.5% and 22% </li></ul><ul><li>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?

Technically, it would take up to 1 to 3 business days for the funds to be fully invested and reflected in your portfolio.NOTE: If you did not include your unique reference code when you made the deposit, kindly contact us at <a target="_self" rel="" class="styles__ATag-sc-13s6wwe-0 iKPPDk" href="mailto:support@stashaway.ae">support@stashaway.ae</a>.

I just made a deposit. When will it appear in my General / Goal-based Investing portfolio?

We will simply process the amount you deposit.
If you have more than one portfolio, we will allocate the funds proportionally based on how much you indicate to go towards each portfolio, first to One-time deposit plan, then to Monthly deposit plan.

What if I deposit more or less than what I have indicated in my deposit plan?

To update the instructions for One-time or Monthly Deposit, kindly refer to the following:
<ul>
<li class="RichText__StyledParagraph-sc-6vxzsr-0 gqgfpD wysiwyg-text-align-justify">
Web App: Select  "Manage Deposits" &gt; Select either update one-time or monthly deposit plan &gt; Proceed to update the amount and currency &gt; Click “Continue" and "Confirm" to complete the update.</li>
</ul>
 
<ul>
<li class="RichText__StyledParagraph-sc-6vxzsr-0 gqgfpD wysiwyg-text-align-justify">
Mobile App: Click the "Three horizontal lines" at the top left &gt; Click "Put money in" &gt; Select either "One-time deposit" or "Monthly deposit" &gt; Click "Modify" and select "Edit deposit amount and currency" &gt; Proceed to update the amount &gt; Click “Continue" and "Confirm" to complete the update.</li>
</ul>
 
Kindly note that making an amendment to a one-time or monthly deposit plan before we receive your funds will replace any previous one-time or monthly deposit plan. Hence, our system will allocate the funds based on the latest one-time or monthly deposit plan when our bank receives the funds.
 
If the recurring payment is being made via standing instruction from your bank platform, kindly verify this on your banking platform as well to ensure that the scheduled deposit has been amended or cancelled accordingly.
 
If you wish to change your deposit currency, please go to “Account” &gt; “Settings” &gt; “Deposit Currencies” and choose the desired currency.

How do I make changes to my one-time and monthly deposits?

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 simple return of all your portfolios’ returns in the currency terms you select to display.
 
What is Time-weighted Return?
Time-weighted Return (TWR) is commonly-used in the financial industry, making it an easy metric to compare returns between different portfolio managers. TWR measures the portfolio manager’s ability to generate returns, not the effects of an investor’s deposit and withdrawal behaviours. It does this by tracking performance from the first deposit made into a portfolio.
 
What is Money-weighted Return?
Money-weighted Return helps to gauge the effectiveness of an investor’s timing of deposits and withdrawals. It does this by including the effects of multiple cash flows by assigning a weight to each of your deposits and withdrawals. In other words, a deposit or withdrawal of $1,000 has a lesser effect on your portfolio’s return figure than a deposit or withdrawal of $100,000.

How are my returns calculated?

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StashAway Management (DIFC) Limited is regulated by the DFSA (license number&nbsp;<a href="https://www.dfsa.ae/public-register/firms/stashaway-management-difc-limited">F006312</a>).

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We’re licensed by the Monetary Authority of Singapore (License no.&nbsp;<a href="https://eservices.mas.gov.sg/fid/institution/detail/201134-ASIA-WEALTH-PLATFORM-PTE-LTD">CMS100604</a>).

We’re licensed by the Securities and Futures Commission of Hong Kong (<a></a><a href="https://apps.sfc.hk/publicregWeb/corp/BQE542/details" target="_blank">CE No. BQE542</a>)

We’re licensed by the Securities Commission Malaysia (Licence <a href="https://easy.seccom.com.my:8222/entityprofile/1ca93ae1-4c0e-4c55-90e0-1850600e54f6">eCMSL/A0352/2018</a>).

We’re licensed by the Securities and Exchange Commission (License no.&nbsp;<a></a><a href="https://market.sec.or.th/public/idisc/en/companyprofile/Intermediaries/0000031407" target="_blank">Lor Khor-0136-01</a>).