If you have not read the first part of Introduction to RoboAdvisors, you can do so here : https://sgfinanceguy.com/2020/01/01/an-introduction-to-roboadvisors-stashaway-part-i/ In part II of An Introduction to RoboAdvisors, we now take a closer look at the various assets Stashaway invests our money into, and evaluate the pros and cons of investing with Stashaway. Economic Regime-based Asset Allocation (ERAA) Original Picture from Stashaway – https://www.stashaway.sg/r/stashaways-asset-allocation-framework By utilising an ERAA, Stashaway attempts to achieve an All-Weather portfolio (Green square) that does well regardless of which economic regime the economy is in, and this is achieved through the re-optimisation feature. Lets break down what this means. To quote from Stashaway : “When the economy moves from “healthy growth” to a recession, an optimised portfolio’s exposure to equities will decrease and its fixed income (bonds) and Gold will increase. In this scenario, the equity portion will contain more defensive sectors,...