General Investing: Your all-in-one portfolio

5 minute read

Investing for the long term is arguably one of the most reliable ways to build wealth. But constructing a well-balanced, diversified portfolio of assets across the world can be complicated and time-consuming for individual investors. That's where our expert-managed General Investing portfolios come in – an easy way for you to invest in the global markets.

General Investing is our core offering, designed to be the cornerstone of your investment strategy. Each portfolio is a complete package that’s built to last, combining stocks, bonds, and other assets in one simple investment based on a risk level. Whether you're new to investing or a seasoned professional, General Investing offers a hands-off method to growing your wealth over the long term.

Key features 

Simplicity at its core: Invest in a single portfolio that does it all for you, eliminating the need to juggle multiple investments.

Global diversification: Put your money to work across various asset classes and regions, reducing risk while capturing opportunities worldwide.

Data-driven investing: Our ERAA® framework monitors data and adjusts for economic cycles to maintain your chosen risk level while optimising for returns – at no extra cost.

Personalised risk management: Choose from 12 risk levels to find the portfolio that matches your risk tolerance and financial goals.

Cost-effective: Low-cost ETFs and our tiered fee structure mean more of your money stays invested, compounding over time.

Flexibility, not complexity: No lock-in periods, no minimum or maximum amounts. Start small or go big – it’s up to you.

Why General Investing? 

Building wealth over the long term is crucial. Simply put, it helps you achieve your financial goals, whether you're planning to buy a home or fund your child's education. The key to this wealth-building process? Staying invested. With time in the market, you harness the power of compound growth – where your returns generate returns. This can turn even modest investments into significant wealth over time.

General Investing takes the complexity out of long-term wealth building, allowing you to focus on your goals while your money stays invested. Based on a strategic asset allocation strategy, each portfolio is a mix of assets globally diversified to spread risk and capture opportunities worldwide. Think of it as owning a slice of the entire financial world, carefully curated to match your risk tolerance.

And these portfolios are built to last. Our ERAA® framework monitors data and adjusts asset allocations across economic cycles, aiming to maximise your returns while keeping risk in check. Over the past two and a half years of market volatility, our portfolios have outperformed their benchmarks by about 6.7 percentage points on average*. 

* Total cumulative returns indexed to 31 Dec 2021. Data in USD terms for the period to end-June 2024 and takes the average of total cumulative returns for all portfolios and benchmarks.

Made for every investor 

General Investing portfolios are tailored for individual risk levels, as measured by our StashAway Risk Index (SRI). An SRI of 10% means there’s a 99% chance your portfolio will not lose more than 10% of its value in any given year. With 12 risk levels ranging from SRI 6.5% (most conservative) to SRI 36% (most aggressive), there's likely a portfolio for you. For example:

• SRI 10% is a more conservative portfolio. Allocations to bonds provide a defensive edge.
• SRI 20% is a balanced portfolio with a mix of stocks and bonds.
• SRI 30% is a more aggressive portfolio. Greater exposure to equities gives more room for growth but may experience short-term volatility.

Whether you're saving for retirement, a home purchase, or simply want to build your wealth, General Investing can be tailored to support various financial goals. No need to stress over stock picking or market timing. Here are just a few ways you might use General Investing:

• .Establish a foundation for your overall investment strategy with a versatile core portfolio.

• Preserve wealth by selecting a conservative risk level with higher exposure to bonds.
• Diversify your strategy by gaining exposure to a wide range of international assets.

How to get started 

General Investing is a hands-off, expert-managed approach to navigating the complexities of the markets. These all-in-one portfolios are designed to help you accumulate wealth over the long term – throughout the market’s ups and downs. After all, wealth-building is a marathon, not a sprint.

Ready to put your money to work? There's no minimum investment required – start with whatever amount you're comfortable with and adjust as you go. Getting started is simple in our app:

1. Choose your risk level
2. Set up a one-time deposit or recurring investment plan
3. Let us do the rest