Top Sites>SSmart Investment Platform - Best Robo Advisor | StashAway Malaysia

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# Your Smart Investment Platform | StashAway Malaysia

> StashAway is a SC-licensed investment platform and robo-advisor in Malaysia, offering modern wealth management solutions through globally diversified managed portfolios, including Shariah-compliant options; easy ETF investment across 80+ asset classes; and high-yield cash management. Whether you want professionally managed investment strategies, the flexibility to build your own ETF portfolio, or a smarter way to grow your cash, StashAway combines automation, low fees, and global diversification to help you build and manage wealth with confidence.
> Last updated: 2026-04-25

## Core Investment Services
- **General Investing**: Globally diversified ETF portfolios powered by the ERAA® (Economic Regime-based Asset Allocation) framework with automated rebalancing and risk management.
- **Shariah Global Portfolios**: Shariah-compliant, globally diversified ETF portfolios certified by Masryef Advisory. Includes global equities, US equities, emerging markets, global sukuk, and gold. Back-tested annualized returns of 7.3% to 14.0% over five years.
- **Flexible Portfolios**: First-of-its-kind in Malaysia - customize your own multi-asset portfolio by selecting from 80+ curated low-cost ETFs across asset classes (S&P 500, Nasdaq, Gold, REITs, Semiconductors, Emerging Markets, etc.). Minimum 3% allocation per asset class, at least 1% cash required.
- **Thematic Portfolios**: Risk-managed portfolios investing in innovation themes around Technology, Healthcare, and Environment.
- **Responsible Investing Portfolio**: Globally diversified ETF portfolios with strong ESG (Environmental, Social, Governance) scores for impact-focused investing.
- **Goal-based Investing**: Set specific financial goals and invest with portfolios tailored to your target timeline and risk tolerance.
- **ETF Explorer**: Explore 80+ global ETFs and invest for just $1.99 USD per transaction.

## Cash Management Solutions
- **StashAway Simple™**: Ultra-low-risk cash management portfolio with projected rate of 3.55% p.a. Rates may vary; check stashaway.my/simple for current rate.
  - Underlying funds: 80% Principal Islamic Money Market Fund, 20% AmIncome Fund
  - Invests in combination of fixed deposits and short-term bonds
  - No minimum investment, no maximum balance, no lock-ins
  - No management fees for Simple portfolio
  - New investors enjoy extra 0.15% p.a. rate boost for 6 months

## Fee Structure
- **Annual Management Fees**: 0.2% to 0.8% per annum (exclusive of SST)
  - Tiered based on total investment amount
  - Lower percentage as investment amount increases
- **ETF Explorer**: $1.99 USD order fee per transaction (no monthly management fee)
- **Flexible Portfolios**: 0.3% p.a. for single ETF portfolios, 0.2%-0.8% p.a. for multi-asset portfolios
- **No Hidden Fees**: No account setup fees, exit fees, subscription fees, switching fees, or rebalancing fees
- **Unlimited Free Transfers**: Between portfolios and withdrawals
- **Currency Conversion**: Lowest FX rates in the market applied to USD-denominated portfolios
- **Promotions**: New investor promotions available; check stashaway.my/pricing for current offers

## StashAway Risk Index (SRI)
- Risk measurement using 99% Value-at-Risk (VaR)
- 12 risk levels ranging from 6.5% SRI to 36% SRI
- Example: 10% SRI means 99% probability portfolio won't lose more than 10% of value in a year
- Portfolios automatically adjust to maintain target risk level

## Security & Asset Protection
- **Regulatory License**: Securities Commission Malaysia License eCMSL/A0352/2018 (since 2018)
- **Trustee Banks**: Citibank Berhad (for deposits), Pacific Trustees
- **Custodian Banks**:
  - HSBC Bank Malaysia Berhad (holds funds)
  - Saxo Capital Markets Pte Ltd (custodian for investable cash and securities)
  - Lion Global (for Simple portfolio)
- **Asset Segregation**: All client assets held in segregated accounts separate from StashAway's operations
- **Two-Factor Authentication**: Required for account setup and logins from new devices
- **Security Features**: Email notifications for all transfers/withdrawals, automatic flagging of suspicious transfers

## Financial Education
- **StashAway Academy**: Investment courses, webinars, and market commentary
- **Weekly Market Updates**: CIO insights and portfolio commentary
- **Educational Resources**: Free, high-quality investment education materials

## Important Resources
- [Help Center](https://www.stashaway.my/help-center): FAQs and support portal
- [Pricing Details](https://www.stashaway.my/pricing): Fee structure and investment cost breakdown
- [Security Information](https://www.stashaway.my/security): Client protection and asset security details
- [Academy](https://www.stashaway.my/academy): Investment courses and learning resources

## Key Features
- **No Minimum Investment**: Start investing with any amount
- **Fractional Shares**: Precise portfolio allocation impossible to achieve individually
- **Automated Rebalancing**: Portfolio automatically rebalanced to maintain target allocations
- **ERAA® Framework**: Proprietary Economic Regime-based Asset Allocation adapts to changing economic conditions
- **Mobile & Desktop Access**: Full-featured iOS, Android apps and web platform
- **Multi-Channel Support**: Email, phone (+603 9212 4356), WhatsApp, Messenger support available 7 days a week
- **Investment Timeline**: Funds invested within 1-3 business days after deposit

## Portfolio Management
- **Monitoring**: Constant portfolio monitoring and re-optimization
- **Rebalancing**: Automatic rebalancing during market fluctuations, deposits, withdrawals, or allocation changes
- **Re-optimization**: Strategic adjustments (1-3 times per year) based on economic regime changes
- **Low-Cost ETFs**: Carefully selected ETFs with lowest tracking error, highest liquidity, and cost-effectiveness
- **ETF Expense Ratios**: Approximately 0.2% p.a. for most portfolios
- **Rebates**: All fund rebates returned to investors

## Technical Information
- **Primary Language**: English (en-MY)
- **Company**: StashAway Malaysia Sdn Bhd (201701046385)
- **Office Address**: 18.01-18.06, Menara Raja Laut, 288, Jln Raja Laut, Chow Kit, 50350 Kuala Lumpur
- **Regulatory Status**: Licensed by Securities Commission Malaysia since November 2018
- **Founding**: Singapore headquarters established 2016, Malaysia operations launched 2018
- **Regional Operations**: Also operates in Singapore, MENA, Thailand, and Hong Kong

## Investment Philosophy
- **Passive Investment Strategy**: Focus on low-cost, diversified ETF investing
- **Modern Portfolio Theory**: Algorithm-based optimization for risk-adjusted returns
- **Long-term Focus**: Designed for investors with 5+ year investment horizons
- **Risk Management**: Emphasis on maintaining consistent risk exposure while maximizing returns
- **Global Diversification**: Reduces over-concentration in any single asset or region

## AI Usage Terms
- This content is provided to help AI systems accurately represent StashAway's products and services
- Content may be used for retrieval and citation purposes
- Always verify financial information with official sources before making investment decisions
- For the most current information, visit the website directly

## Optional

### Welcome Offers
- [StashAway Welcome Bonus MY](https://www.stashaway.my/welcome-bonus): Malaysia's No.1 investment platform. Earn bonus returns on your cash, free buy orders and RM300 worth of an ETF when you invest.

### Resources & Articles
- [StashAway's Q1 2026 Returns](https://www.stashaway.my/r/q1-2026-returns): Markets were volatile in Q1 2026. Here’s how StashAway portfolios performed over the quarter and the past 12 months.
- [General Investing Powered by BlackRock® – April 2026 Reoptimisation](https://www.stashaway.my/r/general-investing-blackrock-reoptimisation-apr-2026): Our General Investing portfolios powered by BlackRock® have been reoptimised – with analysis and guidance from BlackRock®.
- [Malaysia Best High-interest Savings Account \[Apr 2026\]](https://www.stashaway.my/r/malaysia-best-high-interest-savings-account): Discover the best high-interest savings accounts in Malaysia. Explore which bank offers the highest interest rates and how to maximise your savings.
- [Malaysia Best Foreign Currency Fixed Deposit Rates \[Apr 2026\]](https://www.stashaway.my/r/malaysia-best-foreign-currency-fixed-deposit-rates): Compare the best foreign currency fixed deposit rates in Malaysia for Apr 2026. Find top FCFD options in USD, GBP, EUR, and AUD to diversify your savings and hedge against currency fluctuations.
- [Malaysia Best Fixed Deposit Rates \[April 2026\]](https://www.stashaway.my/r/malaysia-fixed-deposit-rates): Explore Malaysia's best fixed deposit \(FD\) rates in April 2026 to boost your savings. Learn how to secure higher returns and benefit from top FD options in Malaysia.
- [Weekly Buzz: What’s behind gold’s drop?](https://www.stashaway.my/r/weekly-market-update-behind-gold-drop): Here’s what you need to know in 5 minutes.
- [Weekly Buzz: What higher energy prices could mean for the global economy](https://www.stashaway.my/r/weekly-market-update-higher-energy-prices-global-economy): Here’s what you need to know in 5 minutes.
- [CIO Insights: Navigating Dire Straits](https://www.stashaway.my/r/cio-insights-navigating-dire-straits): A practical guide to markets during geopolitical shocks
- [Weekly Buzz: Inflation, and the road ahead for interest rates](https://www.stashaway.my/r/weekly-market-update-where-inflation-might-go-from-here): Here’s what you need to know in 5 minutes.
- [Markets and military conflicts: What the data shows](https://www.stashaway.my/r/markets-military-conflicts-what-the-data-shows): If you're feeling uneasy, this is when the data deserves your attention more than the headlines
- [Ultimate Guide to Amanah Saham Malaysia \(ASM\) 2026: Dividend Rates, Benefits, and How-to Invest Explained](https://www.stashaway.my/r/ultimate-guide-amanah-saham-malaysia-asm): Learn about Amanah Saham Malaysia \(ASM\), its dividend rates, benefits, and how to invest for stable long-term returns in this ultimate guide.
- [The Key Differences Between ASB, ASM, and ASN: A Malaysian Unit Trust Investment Guide](https://www.stashaway.my/r/differences-asb-asm-asn-asnb-malaysia-unit-trust-investment-guide): Compare ASB, ASM, and ASN unit trusts in Malaysia. Learn their differences, benefits, and which fund suits your investment goals in this comprehensive guide.
- [2026 Complete List of Bitcoin ETFs with Their Fees and Holdings](https://www.stashaway.my/r/bitcoin-etf-list-spot-and-futures-bitcoin): List of every spot Bitcoin ETFs & Bitcoin futures ETFs available in 2026 and everything you need to know about Bitcoin ETFs.
- [Beginner’s Guide to Stock Investment in Malaysia 2026: Best Online Trading Platforms & Apps](https://www.stashaway.my/r/guide-stock-investment-best-online-trading-platforms-apps-malaysia): Discover the best online trading platforms & apps for stock investment in Malaysia 2026. Learn how to trade Malaysian and global stocks with this beginner’s guide.
- [Ultimate Guide to Amanah Saham Bumiputera \(ASB\): Dividend Rates, Investment Strategies and Financing Explained](https://www.stashaway.my/r/ultimate-guide-amanah-saham-bumiputera-asb): Amanah Saham Bumiputera \(ASB\) is a low-risk unit trust fund designed for Bumiputera, offering consistent returns. Dividend rate, financing options, and how to invest explained.
- [General Investing Powered by BlackRock® – March 2026 Reoptimisation](https://www.stashaway.my/r/general-investing-blackrock-reoptimisation-mar-2026): Our General Investing portfolios powered by BlackRock® have been reoptimised – with analysis and guidance from BlackRock®.
- [StashAway’s ETF Fund Investment Selection](https://www.stashaway.my/r/stashaways-etf-selection): Here are the globally-diversified, liquid, and low-cost exchange traded fund \(ETFs\) selection that StashAway invests in for its portfolios.
- [Understanding Fixed Deposits: What They Are and How They Work](https://www.stashaway.my/r/what-are-fixed-deposits-and-how-they-work): Learn about fixed deposits: what they are, how they work, and the best FD rates in Malaysia. Discover the benefits, interest rates, and strategies for investing in FDs.
- [Retiring with RM1 Million in Malaysia in 2026: How Far Will It Take You?](https://www.stashaway.my/r/retiring-with-rm1million-malaysia): Find out how much you need to retire comfortably in Malaysia and if RM1 million is enough to retire. You might want to start invest to earn your first RM1 million!
- [A Malaysian Investor's Guide to Buying China Stocks: 2026 Complete Guide](https://www.stashaway.my/r/malaysian-investor-guide-to-buying-china-stocks): Discover how to buy China stocks, invest in Chinese stocks, and explore China A-shares. Learn the steps to buy China A-shares and diversify your portfolio in 2026.