How we invest | StashAway

Imagine what’s possible when you treat your money right

We’ve paired personalised wealth management and financial planning with our intelligent investment framework. The result? A financial future that you want and can count on.

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We’re regulated by the Dubai Financial Services Authority. Find out more.

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Invest for what you want, not what someone else tells you to want

We have financial planning tools and a wide range of investment portfolios from which you can choose so you can direct your money towards the future you want.

Invest for your retirement

We’ll build you a retirement plan based on what you want your retirement plan to look like, how much you’ve already saved, and what you can continue to save each month. Then, as you approach retirement, our system will intelligently lower the portfolio’s risk level so that you can retire with confidence.

Learn more about retirement planning with us.

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HOMEPAGE Retire the way you want to

Invest towards your life goals

Want to buy a house? Send your kids to a great university? Tell us what you want to achieve, and we’ll build you a savings and investment plan to help you reach each of your financial goals.

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INVEST Invest towards your life goals

Build your wealth faster with low fees and cost-efficient investing

Precision and flexibility through fractional shares

Precision and flexibility through fractional shares

We can buy fractions of shares as small as 0.0001 units of an ETF. That way, you can invest every cent whenever you want, instead of waiting for just the right amount of money to buy a full share. This precision allows us to maintain your exact risk preferences. Find out why fractional shares make a difference to your wealth.

Automated and free rebalancing

Automated and free rebalancing

Our system checks every single day to see if your portfolios need to be rebalanced. When an asset class outperforms the other asset classes in your portfolio, our system automatically rebalances your portfolio to get it back on target to maintain your risk level.  This is included in our management fee. Learn more about rebalancing.

Low expense ratios

Low expense ratios

We use ETFs to build our portfolios. ETF fund managers who build the ETFs usually charge a fee, known as an expense ratio, when fund managers (like us) buy their ETFs. The average expense ratio of the ETFs we carefully select is just 0.2% p.a. Learn how we select ETFs.

Low annual management fees

Low annual management fees

Our management fee for our investment portfolios is between 0.2% and 0.8% per annum for your investments. Learn more about our pricing structure.

How investing with us works

  1. 1.

    Tell us about your financial goals and risk preferences to create your personalised portfolio

  2. 2.

    After approval, transfer funds to our custodian account who is the safe-keeper of your assets

  3. 3.

    Your order will be executed overnight in the New York Stock Exchange (NYSE)

  4. 4.

    Our system will check your portfolio performance daily to ensure it meets your target allocation

  5. 5.

    Track your own performance anywhere and anytime through our mobile app and desktop app

  6. 6.

    Contact our Client Experience team via phone call, email, or WhatsApp, and you’ll get real people in real time to answer any questions

How our portfolios have performed

Below is our portfolios' annualised performance and our same-risk benchmarks' since our launch in July 2017. We compare our portfolios' performance to their respective same-risk benchmarks because risk management is a core function of our investment strategy: We designed and manage our portfolios to maximise your returns without exposing your money to excessive, unnecessary risk to earn those returns.

202110-StashAway-Performance-Chart-App-USD202110-StashAway-Performance-Chart-Web-USDOur same-risk benchmarks are proxied by MSCI World Equity Index (for equities) and FTSE World Government Bond Index (for bonds). The benchmarks we use have the same 10-years realised volatility as our portfolios. We calculate these returns before fees. All returns are in USD terms.The inception date for portfolios with SRI 6.5%, 8%, 10%, 12%, 14%, 16%, 18%, and 20% is 19 July 2017; the inception date for portfolios with SRIs of 26%, 30%, and 36% is 16 August 2018; the inception date for the portfolio with SRI 22% is 15 August 2019.Past performance is not a guarantee for future returns. Before investing, investors should carefully consider investment objectives, risks, charges and expenses, and if need be, seek independent professional advice. Last updated October 2021.

Our investment framework's goal isn't to beat the markets every day. In fact, depending on how much risk you decide to take, you'll likely still experience short-term volatility at times. But, through those bumps, your StashAway portfolios can recover more quickly compared to investments with the same risk level that don't maximise returns. The end result? The opportunity for less painful drawdowns in the short term, and stronger performance in the medium to long term.

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Our investment principles

Our investment principles

Make investment decisions with data, not with gut feelings

To manage your investments, we use macroeconomic indicators so that we know about changing economic conditions long before the markets respond, data to understand how asset classes perform in different economic conditions, and thousands of hours of research and testing to select the exact asset classes that comprise your investments.

High returns don't have to come with high risk

High risk doesn’t necessarily mean high returns. In fact, because we understand which asset classes perform best in particular economic conditions, we earn returns without exposing your money to unnecessary risk. And, with the StashAway Risk Index, you can decide exactly how much risk to which you’re willing to expose your money.

Learn more about our investment framework, ERAA®.

Our Investment Principles

We manage cash, too

Earn a projected return of 1.2% p.a. on any amount of cash with StashAway Simple™. No lock-up. No management fee. No kidding.

Frequently Asked Questions

How does StashAway select ETFs?

StashAway chooses the best-in-class ETFs on your behalf. We chose the largest, most liquid, most tradable, and most cost-effective ETFs with the lowest tracking error to the index and a sufficiently long track record. We choose simple ETFs, which means they have no leverage or complex payoffs, and have no ETNs to avoid credit risk of issuer.

Why asset allocation instead of securities selection?

According to the mid-2016 SPIVA US Scorecard, 94.58% of US domestic equity fund managers who participate in active fund management have underperformed the relevant passive index benchmark in the past 5 years. In other words, only about 5% of active fund managers delivered positive returns against their benchmark. Data for other countries and time periods are comparable. Not sure about you, but we didn't like the sound of those odds. We don't engage in securities selection, and we refrain from using actively managed funds; instead, we build our customers’ portfolios with a carefully selected assortment of highly diversified, liquid and low-cost exchange-traded funds (ETFs). These index-tracking investment tools enable our customers to gain diversified, long-term exposure to a variety of asset classes and geographies.

Why don’t I just invest 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, which is nearly impossible if you were to do it on your own.