No two people have the exact same financial wants and needs.

In this short video, our co-founders discuss how your StashAway portfolio is personalised for you.

https://youtu.be/owDeZY2dUJU

We leverage technology to make investing affordable for you.

In this short video, our co-founders discuss how StashAway is able to charge competitive fees.

https://youtu.be/cwBWN23af7w

Hi everyone! Watch Freddy Lim, StashAway Co-founder and Chief Investment Officer, and Philipp Muedder, Head of Financial Planning and Partnerships, discussing the latest global events and their impact on the markets.

In this episode,

1. The Fed signals to US Congress [1:50]
• The Fed signals that US Congress needs to do more to help the economy

2. China to deploy more stimulus [3:24]
• Caijing reports that China is preparing to deploy more stimulus
• Stimulus strategically aims to improve output while minimising bad credit

3. Q&A: How will different sectors be impacted going forward? [5:20]
• Energy companies may default on loans and struggle to secure financing again in the future 
• Fundamentally strong REITs can benefit from current low interest rate but hospitality and retail REITs may suffer while safe-distancing measures are still in place

https://youtu.be/ZEn3-BE9MwI

We’re re-optimising your portfolios for a post Covid-19 world.

https://www.stashaway.sg/r/portfolio-reoptimisation-uncertain-global-economy

Join Freddy Lim, CIO and Co-Founder of StashAway, as he takes you through the re-optimisation and answers your questions live in our next webinar.

Date: Thu, 21 May 2020
Time: 7:00 PM – 8:30 PM SGT
Sign up for a ticket here: https://tiny.cc/reoptimisation

Thank you for joining StashAway's Telegram Group! For us to customize better content for you, please help us out with this quick poll. What age group do you belong to?
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👥 330 people voted so far.

Join Michele Ferrario, CEO and Co-Founder of StashAway, as he sits down with Anthony Arthur, Head of Asia ex-Japan Wealth, APAC for iShares, the family of Exchange Traded Funds managed by BlackRock the world’s largest asset manager, managing USD6.3 trillion.

They will take you through the basics of investing with ETFs and how you can use this investment vehicle to get exposure to the different asset classes, such as Equities, Fixed Income, Real Estate or commodities.

Date: Thu, 28 May 2020
Time: 7:00 PM – 8:30 PM Singapore Standard Time Singapore Time
Sign up for a ticket: https://tiny.cc/blackrockxstashaway

Good afternoon everyone. Welcome to another episode of StashAway's Weekly Market Commentary. Watch Freddy Lim, StashAway Co-founder and Chief Investment Officer, and Philipp Muedder, Head of Financial Planning and Partnerships, discussing the latest global events and their impact on the markets.

In this episode,

1. World Health Organization (WHO) summit [01:42]
• President Xi vows to share China’s vaccine developments with other nations. 
• President Trump threatens to pull US investments out of China during the summit.
• After Australia calls for an independent probe into the COVID-19 outbreak in China, China retaliates with trade tariffs on Australian imports.

2. The market reacts to early reports of Moderna’s vaccine trials [03:01]
• Markets rallied on the back of promising early results from the Moderna vaccine trials.
• It’s still too early to tell whether Moderna’s vaccine will be successful in fighting the virus, and how the vaccine will be brought to market.
• Factors such as government intervention and social pressure will play a role in pricing vaccines.
• Investors shouldn’t make hasty investing decisions based on news from vaccine trials.

3. Q&A: What is StashAway’s view on value and growth assets in the coming years? [04:55]
• Some sectors, such as energy and airlines may seem undervalued during the COVID-19 crisis.
• These sectors could be a value trap because the COVID-19 crisis has impacted these sectors fundamentally.
• We are invested in sectors where we see positive structural changes since the COVID-19 outbreak such as China’s technology sector.

4. Q&A: As Trump threatens to pull investments out of China, will China open up its markets to allow more international investments to come in? [07:59]
• Trump pressures US pension funds and endowment funds to stop investing in China.
• Even if the US stops investing in China, other international players will still continue to invest in sectors that are growing in China.
• China is increasingly allowing international banks and companies to hold majority stakes in their joint ventures with domestic companies.

https://youtu.be/Ue7KHnduDOw

Hi everyone! Time for another episode of our weekly market commentary. Watch Freddy Lim, StashAway Co-founder and Chief Investment Officer, and Philipp Muedder, Head of Financial Planning and Partnerships, discussing the latest global events and their impact on the markets.

In this episode,

1. China aims to pass security laws in Hong Kong [01:47]
• China aims to pass security laws and a national anthem bill in Hong Kong to assert control over Hong Kong.
• The US condemns China’s move. 
• China’s decision to enact the laws triggers more protests in Hong Kong.
• The World Trade Organization reconsiders Hong Kong’s free trade status.
• Hong Kong’s economy will likely be negatively impacted by these issues.

2. Singapore stimulus package [04:27]
• Singapore announced a $33.1 billion SGD stimulus package to aid households and businesses as the country re-opens its economy in phases. 
• So far, Singapore’s total stimulus adds up to 20% to 25% of GDP. 
• The stimulus could impact Singapore Dollar’s strength. 

3. Q&A: What is the outlook for ESG investments? And, will StashAway include ESG investments in its investable universe in the future? [05:57]
• Some ESG sectors or companies are already valued at a premium. 
• At StashAway, we consider all investments, including ESG investments holistically to make sure that your portfolios are positioned to grow in the long term without introducing additional risks. 

4. Q&A: With the Fed’s aggressive quantitative easing, are Gold and inflation-linked bonds more attractive as inflation hedges for the long term? [09:36]
• When the economy improves, the Fed will likely take measures to keep inflation from increasing substantially.
• Gold is not only useful as an inflation hedge but also as a geopolitical hedge against global political uncertainty (Brexit, US-China trade war).
• Since inflation is still low, inflation-linked government bonds such as TIPS act as low-interest bearing government bonds. But TIPS are a useful hedge if inflation starts to rise in the future. 

https://youtu.be/eqNkkI6xvUw

Good afternoon everyone! Welcome to this week's episode of StashAway's Market Commentary. Watch Freddy Lim, StashAway Co-founder and Chief Investment Officer, and Philipp Muedder, Head of Financial Planning and Partnerships, discussing the latest global events and their impact on the markets.

In this episode,

1. US-China trade war takes a backseat as President Trump deals with nationwide protests in the US [01:21]
• Despite ongoing protests in the US, markets still moved up.
• Aside from removing Hong Kong’s trade status, the US has not made any moves to escalate the trade war with China.
• China’s move to reduce soybean purchases comes at a time when demand for soybean seasonally drops in China. Effectively, this move doesn’t impact the markets at all.

2. Q&A: How has StashAway prepared our portfolios for future uncertainties? [03:27]
• In August 2019, we re-optimised our portfolios to prepare for economic slowdown in non-US economies.
• And, we recently re-optimised our portfolios by reducing the allocation to the US dollar and increasing the allocation to Gold on some of our portfolios to prepare for the uncertain global economic environment ahead.

3. Q&A: As an asset class, is Bitcoin similar to Gold? [06:15]
• Unlike Gold, Bitcoin is a utility token that relies on the value of the network, the extent of the network, how sticky the network is and how many people transact on the Bitcoin network. 

https://youtu.be/82rSEZ6pYKM

Good evening everyone! Welcome to another episode of our weekly Market Commentary. Watch Freddy Lim, StashAway Co-founder and Chief Investment Officer, and Philipp Muedder, Head of Financial Planning and Partnerships, discussing the latest global events and their impact on the markets.

In this episode,
1. Markets unfazed by the spike in COVID-19 cases in the US this week [01:07]
• Markets didn’t react negatively to the spike in COVID-19 cases in the US this week.
• Markets don’t expect the Fed to announce any change in policy or add new stimuli in the Fed’s upcoming meeting. 

2. Q&A:  How is StashAway mitigating the risk exposure to companies in an ETF that are permanently altered by COVID-19? [02:14]
• We look at companies that have a large weightage in an ETF and analyse how these companies are permanently impacted by COVID-19 (positively or negatively) when determining our portfolio’s allocation to these ETFs.

3. Q&A: Can we expect the US Dollar to depreciate against the Singapore Dollar in the near term? [06:20]
• Similar to the 2008 Financial Crisis, there is a risk that the US Dollar will depreciate against the Singapore Dollar in the near term as the Fed carries out quantitative easing.
• StashAway has reduced our portfolio’s exposure to the US Dollar to mitigate the currency risk.

4. Q&A: Does StashAway plan to add other commodities besides Gold in the portfolios? [08:34]
• There’s still more upside to Gold because of the limited supply of physical gold in the world. 
• Gold acts as a portfolio insurance against geopolitical uncertainty.
• Don’t view Gold as an asset class to trade and generate return but as an asset class that is used to manage risk in a portfolio. 

https://youtu.be/cSLvR2_m5K4

Good evening everyone! Great news - we are excited to be selected as a 2020 Technology Pioneer by the The World Economic Forum.

The Technology Pioneers community is an integral part of the World Economic Forum's Global Innovators community of start-ups. As part of StashAway's selection as Technology Pioneer, our CEO and Co-Founder, Michele Ferrario, will be invited to participate at World Economic Forum activities, events, and discussions. As a Technology Pioneer, StashAway will also be contributing to Forum initiatives over the next two years, working with policymakers and private sector leaders to help define the global agenda on key issues.

This year's cohort selection marks the 20th anniversary of the Tech Pioneers community. Throughout its 20-year run, many Technology Pioneers have continuously contributed to advancement in their industries while some have even gone on to become household names. Past recipients include Airbnb, Google, Kickstarter, Mozilla, Palantir Technologies, Spotify, TransferWise, Twitter, and Wikimedia.

https://widgets.weforum.org/techpioneers-2020/

Good afternoon everyone! Welcome to another episode of our weekly market commentary. Watch Freddy Lim, StashAway Co-founder and Chief Investment Officer, and Philipp Muedder, Head of Financial Planning and Partnerships, discussing the latest global events and their impact on the markets.

In this episode,
1. StashAway Market Commentary 17 June 2020 [00:00]

2. The Fed’s gloomy outlook of the economy [00:25]
• The Fed’s gloomy message last week was intended to remind politicians on Capitol Hill that they still need to do their part to help the economy.
• The Fed is still maintaining its pledge to buy assets indefinitely.

3. The impact of a resurgence of COVID-19 cases on the markets [03:26]
• Volatility is still elevated in the markets.
• The options market is expecting higher than usual volatility to continue for at least the next 9 months.
• Investors need to stay vigilant and continue investing in a diversified portfolio at a risk level that they’re comfortable with regardless of whether markets go up or down.

4. China-India border dispute [05:26]
• Markets aren’t affected by border disputes as these disputes are ongoing issues globally.
• Rather, markets are more concerned about geopolitical tensions that can significantly impact the global economy, such as border disputes that have escalated to war.Q&A:  Will StashAway add markets, such as Vietnam into its investable universe? [07:25]
• Markets such as Vietnam, Cambodia, and Myanmar are great potential additions to our investable universe.
• However, the current ETFs that track these markets aren’t very liquid and are costly. 

5. Q&A: What does the incoming economic data tell us about the near-term economy? [10:15]
• The lockdowns made it difficult for economists to collect economic data, which affected the quality of the data and the timeline of the data release. 
• We still need a few more months of data to come in before we can accurately gauge the rate of changes in the economy.

6. Q&A: Would StashAway consider adding silver or other metals, such as cobalt or lithium to its investable universe? [12:44]
• Cobalt and lithium have very specific uses and industrial purposes, and they’re extremely interesting and are good diversifiers. 
• However, commodities tend to have contango, which affects the tracking error of the ETFs that track them.

https://youtu.be/1amBL7HEm3I

Good evening everyone! Welcome to another episode of our market commentary. Watch Freddy Lim, StashAway Co-founder and Chief Investment Officer, and Philipp Muedder, Head of Financial Planning and Partnerships, discussing the latest global events and their impact on the markets.

In this episode,
1. StashAway Market Commentary 24 June 2020 [00:00]
• Announcing our new podcast, In Your Best Interest, available on Apple Podcasts, Spotify, or all other podcast platforms. 

2. Confusion over the US-China trade deal [01:45]
• In an interview, Peter Navarro made an unclear statement regarding the US-China trade deal.
• The media assumed he said the US-China trade deal was over. 
• The markets dropped in reaction to the news of his statement. 
• In fact the trade deal was still intact.

3. The number of new COVID-19 cases is on the rise [03:47]
• The surge of new COVID-19 cases may cause some countries to go into lockdown again.

4. China restricts food imports [05:23]
• The Chinese government puts in place more stringent measures to ensure food imported from the US and other countries isn’t contaminated by the virus. 

5. Q&A: Is selecting winning stocks better than passively investing in ETFs consisting of stocks that benefited from the pandemic and stocks that are negatively impacted? [07:02]
• While some stocks in an ETF are negatively affected by the pandemic, they may turn around once a vaccine is developed and life goes back to normal.
• Instead of only investing in current winning stocks and overexposing your money to risk, maintain a diversified portfolio that has a balance of growth-oriented assets and protective assets.

6. Q&A: How does StashAway rebalance my portfolio when I deposit fresh funds? [10:33]
• If your portfolio’s current asset allocation has deviated from its target, your newly deposited funds will be invested to bring your portfolio back to its target asset allocation. 

https://youtu.be/V0VsIDWANvU

Hope everyone's having a wonderful Friday! We have an exciting announcement to make - introducing In Your Best Interest, a new podcast by StashAway. It's available on Apple Podcasts, Spotify, or all other podcast platforms. Every 2 weeks, your host, and Head of Financial Planning and Partnerships, Philipp Muedder, will chat with thought leaders in personal finance, investing, and entrepreneurship to bring you key insights to help you make better financial decisions.

Subscribe now to be the first to know when we start dropping episodes. If you enjoy the podcast, we'd really appreciate it if you'd even consider leaving a quick, but thoughtful review on Apple Podcasts or iTunes. It takes less than 60 seconds, and it really helps us make the show even better for you so that we can convince great guests to join us.

Have feedback for us? Is there someone you want us to have on the show? Is there a topic you want covered? Shoot us an email at podcast@stashaway.com. We'd love to hear your thoughts!

https://podcasts.apple.com/sg/podcast/in-your-best-interest/id1518196483

https://open.spotify.com/show/7epFl1HAg3cVT70ZyxgHnB?si=QZ80QGWnS6OeNl5_HNsiHw

Good afternoon everyone! Welcome to another episode of StashAway's weekly market commentary. Watch Freddy Lim, StashAway Co-founder and Chief Investment Officer, and Philipp Muedder, Head of Financial Planning and Partnerships, discussing the latest global events and their impact on the markets.

In this episode,
1. StashAway Market Commentary 01 July 2020 [00:00]

2. The best quarterly performance for stocks since 1998 despite negative news [00:27]
• The markets were undeterred by the escalating tensions between the US and China. 

3. Markets were focused on the strong economic results in Q2 2020 [02:30]
• Home sales data came in better than expected.
• Economic recovery is well underway in China in the aftermath of the COVID-19 lockdowns.
• But, there are still plenty of challenges in the economy, so it’s important to stay vigilant. 

4. Trump losing favour among US electorate [04:29] 
• President Trump is losing favour among the electorate after his mishandling of the COVID-19 pandemic and his responses to the nationwide protests following the murder of George Floyd.
• Democratic nominee Joe Biden is leading in the polls. 

5. Q&A: Will StashAway include commodities besides Gold in our portfolios? [06:48]
• Currently, the ETFs for commodities such as silver, nickel, and other metals have a higher expense ratio and could potentially be more volatile than Gold.
• The contango on these commodities also affects the tracking errors of these ETFs.
• We want to sure that the ETFs for these commodities are suitable for our portfolios before we include them in our investable universe. 

https://youtu.be/B0hXst7IbG0

Staying home this evening? Join us for our Financial Planning for Women panel, as we help you get comfortable with your money, and start taking ownership of your financial future. Men are welcomed as well!

On the panel tonight, we have:
- Ingrid, CFO of Sephora SEA
- Hazel, CEO and Founder of Musiio
- Deborah, Regional Head of the SEA business for BlackRock and Country Head of BlackRock Singapore
- Nandini, COO of StashAway
- Michele (Moderator) CEO and Co-Founder of StashAway

The webinar is from 7pm - 8.30pm. Sign up for a ticket here: https://tiny.cc/financialplanningpanel

Hi everyone! Welcome to this week's Market Commentary. Watch Freddy Lim, StashAway Co-founder and Chief Investment Officer, and Philipp Muedder, Head of Financial Planning and Partnerships, discussing the latest global events and their impact on the markets.

In this episode,

1. StashAway Market Commentary 15 July 2020 [00:00]

2. Positive development in the Moderna’s vaccine trials [00:12]
• The vaccine managed to produce neutralising antibodies in all tests, which is a significant step forward.
• Even with the positive development, there are still many challenges ahead to bring the vaccine to market.
• Moderna to start the final stage of trials on 30,000 people.

3. Political tensions continue between the US and China [03:28]
• China sanctions US Senators, Marco Rubio and Ted Cruz in retaliation to the sanctions imposed on Chinese officials for alleged human rights abuse in the Xinjiang province.
• China slaps a whopping 45% tax rate on Chinese professionals working overseas, largely impacting Chinese nationals in Hong Kong.
• President Trump signs a bill to end Hong Kong’s special trade status.

4. Chinese state funds trim stock holdings [05:30]
• While more retail investors jump into the markets, Chinese state funds trim their stock holdings, which can be interpreted as a cautionary signal. 

5. Q&A: Many people say that equity markets are becoming increasingly disconnected from reality. Do you think that the market has gone up too much and is the risk of a market crash imminent? [07:34]
• The massive policy stimuli carried out by central banks will continue to prop up the markets for the foreseeable future. 
• As a result, markets will continue to be disconnected from the economy for the near term.

6. Q&A: Since technology stocks are showing higher returns at the moment, why is XLK not included in StashAway’s portfolios? [10:15]
• The depreciation of the US dollar could potentially offset the appreciation in the value of XLK.

https://youtu.be/cVTamWvFwkc

Happy Thursday everyone! Welcome to this week's StashAway Market Commentary. Watch Freddy Lim, StashAway Co-founder and Chief Investment Officer, and Philipp Muedder, Head of Financial Planning and Partnerships, discussing the latest global events and their impact on the markets.

In this episode,
1. StashAway Market Commentary 22 July 2020 [00:00]

2. Governments roll out more stimulus measures [00:17]
 - The European Union unveiled a €750 billion stimulus package.

3. Several pharmaceutical companies and research labs are making progress on vaccines [01:46]
 - Oxford-AstraZeneca, Pfizer with CanSino Biologics, and Moderna have all shown promising results in clinical trials for a vaccine.

4. President Trump’s strategy to win favour with the US electorate [04:20]
 - President Trump reverses his stance on the need to wear face masks.
 - President Trump wants to have more presidential debates with Joe Biden to goad Biden into making a mistake during the debates.

5. Q&A: Besides the national security law, are there any other policies that can cause the markets to rise in the past week? [05:26]
 - Markets reacted positively to the stimulus packages rolled out by governments, and the progress made on the vaccines.

6. Q&A: Will a roll-back in monetary and fiscal stimuli cause the markets to crash? [07:21]
 - Fiscal stimuli can end once the money in the stimuli package is spent.
 - However, the Fed’s monetary stimuli can continue indefinitely.
 - The Fed hasn’t expressed any intention to roll back on stimuli.
 - The Fed has only used about 45% of its seed capital, or $2.3 trillion USD.

https://youtu.be/_-Nhg6l6nBY

Hi everyone! Welcome to this week's StashAway Market Commentary. Watch Freddy Lim, StashAway Co-founder and Chief Investment Officer, and Philipp Muedder, Head of Financial Planning and Partnerships, discussing the latest global events and their impact on the markets.

In this episode,
1. StashAway Market Commentary 29 July 2020 [00:00]

2. The Federal Open Market Committee holds a meeting [00:12]
 - The Fed will continue to stand behind the markets.
 - But, the Fed will likely deliver a bleak message to signal to Congress that the government needs to take more steps to help the economy.

3. The US Congress hasn’t agreed on the details of the next stimulus package [01:49]
 - The Democrats proposed a $3.5 trillion stimulus package but the Republicans don’t want to spend more than $1 trillion.
 - The Democrats and the Republicans are still negotiating the inclusion of liability protection for businesses in the bill.

4. Q&A: How is the Fed’s money multiplier tied to the media’s claim that retail investors driving the markets up? [05:00]
 - There isn’t a direct relationship between the Fed’s stimulus and retail investors’ participation in the markets as claimed by the media.
 - Retail investors account for only a small portion of the inflows in the market right now.

5. Q&A: Why are the projected returns of StashAway Simple™ different between Malaysia and Singapore? [07:08]
 - StashAway Simple™ for each country is made up of domestic assets of those respective countries.
 - The short-dated interest rates in Malaysia are higher than in Singapore.

6. Q&A: What’s the outlook for the Singapore-based Income Portfolio in the short to medium term?   Given that the market recovery is stronger than expected, would StashAway re-optimising again and if yes, what kind of assets are being considered? [08:18]
 - Our current All-Weather strategy already accounts for the forward-looking risks in the markets, even when markets are going up.
 - Singapore’s Income Portfolio is exactly at the right mix of growth and protective assets.
 - About 35% of the Income portfolio is made up of REITs. After evaluating the risk of the REITs sector, the risk index of 12.5% is covered by more than 16% in dividends.

https://youtu.be/I5VBq2aQIiA

Good afternoon everyone! Welcome to this week's market commentary. :)

Watch Freddy Lim, StashAway Co-founder and Chief Investment Officer, and Philipp Muedder, Head of Financial Planning and Partnerships, discussing the latest global events and their impact on the markets.

In this episode,
1. StashAway Market Commentary 05 Aug 2020 [00:00]

2. TikTok’s predicament in the US [00:12]
• President Trump proposes to ban TikTok in the US
• Then, Microsoft steps in with a deal to acquire TikTok 

3. Congress yet to pass new relief bill [03:15]
• The Democrats and Republicans are still hashing out the terms of the bill
• But, markets expect that the bill will be approved by the end of the week. 

4. Markets are close to reaching their previous highs [04:54]
• Markets are reacting positively to the decline in daily virus infections

5. Gold prices are also going up [08:25]
• Gold isn’t always negatively correlated to stocks. 
• Gold prices can go up when investors expect a dilution in the value of paper currency.

6. Malaysian glove market rally [09:37]
• The extremely high earnings estimates priced into glove stocks could mean higher volatility for the sector. 
• When vaccines become available, the prices of glove stocks could reverse quickly. 

https://youtu.be/jdPhgasWrdk