My experience with Stashaway with my first deposit 5th Sept 2019 (now exactly 21 months) have generated a return of +15.2%. It went up significantly in July 2020 and Jan 2021. My Stashaway Risk Index is 18%.
I don't know why I haven't come across your youtube channel before this but good job on the Wahed invest video. I think people are really lacking in transparency on the experience of robo-investing and your experience was very relatable to an audience that is just starting out on financial literacy. Hope you roll out more content like this in future!
Hello there.. that is so cool. I am newbie in Wahed Invest and am thinking to add more after watching your video. Thanks for the info. Subscribed. Take care.
@@helmi_finance Yeah for updates, Wahed Sucks. Not just the app, the customer service, the system, almost all of it straight sucks. Released new version, customers can't sign in (the CS told me they have countless report, One suck right there). Giving 'how to troubleshoot', just another suck, sucks I guess. No explanation how to do it, lead to their website for guide, no guidelines how to send email to customers. Well, it really sucks. Asking me for version number, not giving any fking direction on how to or any links. Not even bother to place it ON THE APP (Login section), UI Designer there need to be fired for stupid design decisions. This Wahed just 'Jual Agama' for Sukuk they bought. Not even learning for their 'International' counter part. Well at least people can say 'Mencari yang syariah itu wajib' my ass service macam ni. Make a vid update, experience it yourself and tell me how is it going, not talking cheap here.
Wahed is the most profitable for me compare others. For those who just started..this Robo advised like Wahed is for long term... it's not like u expect return like what u think coz other playing stock market by analysing
Yo man no offense but I think 8 months is too short of a period to compare returns. Also, your method of comparison is not so suitable. A better way of comparing would be to compare their regulation, what they invest in, and assets under management. I think StashAway is better as they don't allocate money to Malaysian stocks. Let me explain. If you look at the FBM KLCI, the 11 year return is about 23%. That is about a return of 2.3% every year. That's lower than the inflation of 3%. Meanwhile, the S&P 500 has returned about 238% in the same period of time. That is a return of 21.6% every year, far outpacing inflation and the Malaysian index. Then, let's look at the FBM KLCI since it's start in 1983. It has returned 329%. That's about an 8.89% return every year. That seems ok, but over the same period of time, the S&P 500 has returned over 2200%. That represents an annual return of 59.4% every year. So, in conclusion: If you had invested RM 10k, your money would have become ( assuming no additions and disregarding inflation) 10 Years: US index fund: Rm 33,828 Malaysian Index Fund: Rm 12,327 Since 1983 till now (37 years FYI) : US index fund: Rm 234,484 Malaysian Index Fund: Rm 43,428 Furthermore, Malaysia is projected to have slower economic growth and weak productivity growth due to our very high dependency on foreign workers. In addition, as if this weren't bad enough, our government's weak fiscal management also is another problem: very little growth of tax revenue, becoming reliant on non-tax revenues from Petronas, and selling government assets. The percentage of debt to GDP is also increasing ( from 56% to around an estimated 67% in 2020). Also, Malaysia's tech sector is in the secondary market and we mainly supply tech parts ( like semiconductors) to the US, so our income is reliant on US tech giants. So, might as well directly invest in US companies!
I mean, people should know that any period of time shorter than 10 years is gonna be volatile, I just found this video useful because I never invested in these platforms, so it's just fascinating to see someone who has, share their experience with it.
Hey man! First of, thanks for the good sharing 👏🏼 and just wondering, is there any advantages or disadvantages between depositing the money weekly and monthly? Does this plays any role in the investment in wahed? Thanks in advance
I think every Shariah compliance stock itself has lower risk than non shariah stock. That's why on wahed earned something rather than loss even you set the same aggressive level on both apps.
dont be fooled by the 36% return which is not true. i wonder how SC approve their scheme base on what kind of calculation. how transparent is this stashaway. dont be trapped into so call investing. they hype is just too big
Well we are already losing money during the pandemic. If you have extra cash that you won't be using for living expenses then you should invest imo. You can choose which portfolio in wahed whether it's aggressive, moderate or safe. FD in banks don't give you much. Plus this is shariah compliant.
No 'correct time' you can deposit your money, but keep in mind when the time: 1) When Government will inject money into (Which or What Sectors) 2) Investors will invest their money (same as above, but they are more... conservative, because it 'Stonks') 3) Any companies Government related Financial Management invested in (like Tabung Haji, ASNB etc.) [Sorry, that's a bad english, hope you can translate it properly. XD] *4) This is the best, Market Dip, the return when it 'Bulls Up'. [PLEASE DO YOUR OWN RESEARCH FOR THIS.] For now, Medical and... what ever related to Meds, like vaccine company and rubber manufacturers and peripheral equipment for medical. It will change accordingly. For you what you need to know is 'Where your money being Invest' (because above reason). alas, just like he always asking in the vid, 'where did they put your money?'. it's you to investigate that ;D
Did you invest in the Stashaway 30% risk portfolio? I have that portfolio also and it went up around 20% in the past 8 months. Strange that yours did not
@@helmi_finance if my 8 month old 30% risk portfolio went up... Yours should also have gone up by roughly the same percentage as mine. Since we both have the same timing ie 8 months the argument of different timing cannot be used. 30% risk is the 2nd highest risk level which is what you also chose? If you look at the underlying assets ie the ETFs in the 30% risk level they went up significantly which is why our portfolios also went up. Need to use a weighted formula to do the calculations
@@LiL6262 ...i think there might be a misunderstanding here...i think he assesed it in around December 2020...which means he assesed it at 5 months...& thats when he probably drew the line for comparison. It was probably post election in the US and an uncertain period for all the ETFs maybe....and hence his stashaway didnt have time to do well... He says it here @ around 1:10 into the video😊 Maybe you are citing your current stashway till date return? He did repeatedly say he was very busy to post an update...
@@GoodSamaritan1972 My 30% risk portfolio went upwards consistently from August 2020 to December 2020. Anyone who put in money during those months would have enjoyed the same returns. He did mention that his portfolio was hovering at -5% throughout the investment period and this is not possible for the 30% risk portfolio. I actually have portfolios for 7 levels of risk from 8% to 36% for more than a year just to see for myself which portfolio I am comfortable with. All 7 risk levels increased in value from August 2020 to December 2020.
Thanks for your video ♥️♥️ I'm interested in investing with WAHED but it requires a passport in my country I'm Egyptian so I'm getting a passport just to sign up with WAHED so do you think it's worth it or will it even work for me ? Another question does WAHED have an automated invest for my earning like other apps ? Thanks again n wish you all the best 💙💙
possible. I think monthly (sometimes people call this Dollar Cost Averaging) might spread your risk a bit better. Ultimately, it depends on your style, expectations & timing
Hi Nia, There will be a short explanation at the beginning of the video. Essentially, if you don't want to be too risky with your investment, pick something on the conservative side. If you are willing to be more adventurous and understand the risks, you can pick something more on the riskier profile side.
Islamically share market new launch Google Play Store available that is the correct app better and not better confusing wahed invest and Islamicaly???? 😇😢
stashaway simple invest in islamic money market fund which is "eastspring investment Islamic income fund" which consist of maybank islamic, cimbbank islamic, public islamic holding with annual return of 2.4% (better than FD without locked period). stash away normal is investing in ETF which is not syariah compliant.
My experience with Stashaway with my first deposit 5th Sept 2019 (now exactly 21 months) have generated a return of +15.2%. It went up significantly in July 2020 and Jan 2021. My Stashaway Risk Index is 18%.
How much did u put in at first if u don't mind me asking
@@aimullahzr1 Hi, doesn't really matter the amount, but if you must know it's RM500 per month cut-off salary without fail since 5th Sept 2019.
I don't know why I haven't come across your youtube channel before this but good job on the Wahed invest video. I think people are really lacking in transparency on the experience of robo-investing and your experience was very relatable to an audience that is just starting out on financial literacy. Hope you roll out more content like this in future!
bayk info dn suka tgok anda buat video, accent itu memang superb. thanks bro
Hello there.. that is so cool. I am newbie in Wahed Invest and am thinking to add more after watching your video. Thanks for the info. Subscribed. Take care.
You're fair in your assessment and I hope you'll earn more. Keep it up
Thanks Raymond. More videos to come
Hoping to know on your StashAway progress next video ! :)
OMG just watched your comparison vid, now one day ago (technically about 1 hour ago XD) I have this vid!
Thank you!!
Thank you for your support
@@helmi_finance Yeah for updates, Wahed Sucks. Not just the app, the customer service, the system, almost all of it straight sucks.
Released new version, customers can't sign in (the CS told me they have countless report, One suck right there).
Giving 'how to troubleshoot', just another suck, sucks I guess. No explanation how to do it, lead to their website for guide, no guidelines how to send email to customers. Well, it really sucks.
Asking me for version number, not giving any fking direction on how to or any links.
Not even bother to place it ON THE APP (Login section), UI Designer there need to be fired for stupid design decisions.
This Wahed just 'Jual Agama' for Sukuk they bought. Not even learning for their 'International' counter part. Well at least people can say 'Mencari yang syariah itu wajib' my ass service macam ni.
Make a vid update, experience it yourself and tell me how is it going, not talking cheap here.
I've just started wahed invest last week. This video really convince me to invest more. Thank for the follow up. Subscribe
Good video. I thought agressive portfolio will give us around 10%. But reality realy hit hard.
Wahed is the most profitable for me compare others.
For those who just started..this Robo advised like Wahed is for long term... it's not like u expect return like what u think coz other playing stock market by analysing
Thanks for sharing Iman
Yo man no offense but I think 8 months is too short of a period to compare returns. Also, your method of comparison is not so suitable. A better way of comparing would be to compare their regulation, what they invest in, and assets under management. I think StashAway is better as they don't allocate money to Malaysian stocks. Let me explain. If you look at the FBM KLCI, the 11 year return is about 23%. That is about a return of 2.3% every year. That's lower than the inflation of 3%. Meanwhile, the S&P 500 has returned about 238% in the same period of time. That is a return of 21.6% every year, far outpacing inflation and the Malaysian index. Then, let's look at the FBM KLCI since it's start in 1983. It has returned 329%. That's about an 8.89% return every year. That seems ok, but over the same period of time, the S&P 500 has returned over 2200%. That represents an annual return of 59.4% every year.
So, in conclusion:
If you had invested RM 10k, your money would have become ( assuming no additions and disregarding inflation)
10 Years:
US index fund: Rm 33,828
Malaysian Index Fund: Rm 12,327
Since 1983 till now (37 years FYI) :
US index fund: Rm 234,484
Malaysian Index Fund: Rm 43,428
Furthermore, Malaysia is projected to have slower economic growth and weak productivity growth due to our very high dependency on foreign workers. In addition, as if this weren't bad enough, our government's weak fiscal management also is another problem: very little growth of tax revenue, becoming reliant on non-tax revenues from Petronas, and selling government assets. The percentage of debt to GDP is also increasing ( from 56% to around an estimated 67% in 2020).
Also, Malaysia's tech sector is in the secondary market and we mainly supply tech parts ( like semiconductors) to the US, so our income is reliant on US tech giants. So, might as well directly invest in US companies!
Thank you for taking the time to write your pov Zach
@@helmi_finance No problem bro just wanna share some insights
I mean, people should know that any period of time shorter than 10 years is gonna be volatile, I just found this video useful because I never invested in these platforms, so it's just fascinating to see someone who has, share their experience with it.
Loved the comparison. Used your code too :)
Much love 😍
this is quite random to see in my recommendation but it's a nice vid. keep it up sir
His first mistake was withdrawing the stashaway when it was -ve. Should have DCA and ride the downturn. That's what Warren Buffett said anyway.
What is your risk index of your Stashaway portfolio ? 😮
I've mentioned 2nd riskiest available
nice video!! thanks for the information
it helps if you top up monthly, so your portfolio is more diversified, purchased at different time
Hey man! First of, thanks for the good sharing 👏🏼 and just wondering, is there any advantages or disadvantages between depositing the money weekly and monthly? Does this plays any role in the investment in wahed? Thanks in advance
There is no right answer. Results vary between people, portfolio and timing. Try doing both and see which one performs better for you
I think every Shariah compliance stock itself has lower risk than non shariah stock. That's why on wahed earned something rather than loss even you set the same aggressive level on both apps.
This is why DCA method is the best strategy for investing.
Sorry to ask since im not that educated in investing, what is DCA actually?
Split the money and invest periodically (let say monthly). So the returns will be averaged out. As compared to my pump and dump method in my video.
Wahed invest it is !
Thanks for the info...by the way your English was so good.
Glad it was helpful!
Can i know how much did wahed charge for managing your account in the past 8 months
Will depends on your portfolio value. As mentioned in the video, it's around 0.04% for my portfolio at that time
dont be fooled by the 36% return which is not true. i wonder how SC approve their scheme base on what kind of calculation. how transparent is this stashaway. dont be trapped into so call investing. they hype is just too big
Jazakallah Khair
In your opinion Is it wise to start investing now during the pendemic?
It depends. I believe there's no perfect timing either
Well we are already losing money during the pandemic. If you have extra cash that you won't be using for living expenses then you should invest imo. You can choose which portfolio in wahed whether it's aggressive, moderate or safe. FD in banks don't give you much. Plus this is shariah compliant.
@@elkapitan75 thanks
@@helmi_finance thank you
What risk portfolio do you use?
Any idea when is the correct time to deposit our money?
No 'correct time' you can deposit your money, but keep in mind when the time:
1) When Government will inject money into (Which or What Sectors)
2) Investors will invest their money (same as above, but they are more... conservative, because it 'Stonks')
3) Any companies Government related Financial Management invested in (like Tabung Haji, ASNB etc.) [Sorry, that's a bad english, hope you can translate it properly. XD]
*4) This is the best, Market Dip, the return when it 'Bulls Up'. [PLEASE DO YOUR OWN RESEARCH FOR THIS.]
For now, Medical and... what ever related to Meds, like vaccine company and rubber manufacturers and peripheral equipment for medical. It will change accordingly.
For you what you need to know is 'Where your money being Invest' (because above reason).
alas, just like he always asking in the vid, 'where did they put your money?'. it's you to investigate that ;D
there's a proverb, the best time to plant a tree is 20 years ago and next best time is now
there will be always saying, "Time in the market beats timing the market".
mantap.. thanks bro for the video.
Did you invest in the Stashaway 30% risk portfolio? I have that portfolio also and it went up around 20% in the past 8 months. Strange that yours did not
It all boils down to timing
@@helmi_finance if my 8 month old 30% risk portfolio went up... Yours should also have gone up by roughly the same percentage as mine. Since we both have the same timing ie 8 months the argument of different timing cannot be used.
30% risk is the 2nd highest risk level which is what you also chose? If you look at the underlying assets ie the ETFs in the 30% risk level they went up significantly which is why our portfolios also went up. Need to use a weighted formula to do the calculations
@@LiL6262 ...i think there might be a misunderstanding here...i think he assesed it in around December 2020...which means he assesed it at 5 months...& thats when he probably drew the line for comparison. It was probably post election in the US and an uncertain period for all the ETFs maybe....and hence his stashaway didnt have time to do well...
He says it here @ around 1:10 into the video😊
Maybe you are citing your current stashway till date return?
He did repeatedly say he was very busy to post an update...
@@GoodSamaritan1972 My 30% risk portfolio went upwards consistently from August 2020 to December 2020. Anyone who put in money during those months would have enjoyed the same returns. He did mention that his portfolio was hovering at -5% throughout the investment period and this is not possible for the 30% risk portfolio. I actually have portfolios for 7 levels of risk from 8% to 36% for more than a year just to see for myself which portfolio I am comfortable with. All 7 risk levels increased in value from August 2020 to December 2020.
@@LiL6262 ....i see.
Top notch! 😉
Thanks for your video ♥️♥️
I'm interested in investing with WAHED but it requires a passport in my country I'm Egyptian so I'm getting a passport just to sign up with WAHED so do you think it's worth it or will it even work for me ?
Another question does WAHED have an automated invest for my earning like other apps ?
Thanks again n wish you all the best 💙💙
Great to hear. You can set wahed to auto invest however much you want each month, or do it manually
Im just curious does deposit monthly vs pump and dump make a difference in the results?
possible. I think monthly (sometimes people call this Dollar Cost Averaging) might spread your risk a bit better.
Ultimately, it depends on your style, expectations & timing
So far I love the interface of Stashaway.
What's the difference between all the risk of investment at the first part when we registering for waheed investment?
Hi Nia,
There will be a short explanation at the beginning of the video. Essentially, if you don't want to be too risky with your investment, pick something on the conservative side.
If you are willing to be more adventurous and understand the risks, you can pick something more on the riskier profile side.
@@helmi_finance if I chose moderately aggresive as a beginner with RM100 deposit is it too risky?
Islamically share market new launch Google Play Store available that is the correct app better and not better confusing wahed invest and Islamicaly???? 😇😢
robo advisor is a long term investment, atleast 3 years. this is for ppl with patience. by the way, i think your risk tolerance is low.
Sir, now we can withdraw asb online.
But it's limited to a small amount per day
@@helmi_finance owhh
Yes, can only withdraw 1k permonth online
isnt Stashaway Simple the syariah compliant version of Stashaway? is there any difference?
The normal Stashaway portfolio is not syariah compliant.
But the Stashaway simple is (lower returns). I will cover this in my next video
stashaway simple invest in islamic money market fund which is "eastspring investment Islamic income fund" which consist of maybank islamic, cimbbank islamic, public islamic holding with annual return of 2.4% (better than FD without locked period). stash away normal is investing in ETF which is not syariah compliant.
The toilet comment is en point 😂