Free RM50,000
Free RM2.99
Free RM50
Free RM50
Free RM2.99
Free RM50
⚡ Quick Verdict
FSMOne wins on cost — 0% management fee vs StashAwayStashAway's 0.8%apos;s 0.8% p.a. on first RM150K. On RM50,000, thatthat's RM400apos;s RM400/year you save with FSMOne. StashAway wins on autopilot — ERAA rebalancing, Shariah options, zero decisions needed. If you can spend 30 min/month on your portfolio, FSMOne is the better value.
FSMOne vs StashAway — Full Comparison 2026
| Feature | FSMOne | StashAway |
|---|---|---|
| Type | Self-directed broker | Robo-advisor (automated) |
| Management fee | 0% ✅ | 0.2%–0.8% p.a. ❌ |
| Trading fee (stocks) | 0.05% Bursa, 0.08% US | N/A — no stock trading |
| Unit trust | 0% sales charge — 900+ funds | N/A — ETFs only |
| ETF RSP | 0% processing fee | Automatic rebalancing |
| Bonds / sukuk | From RM1,000 | Not offered |
| Shariah option | 0% Shariah UT + i-REIT | Yes — Islamic portfolio |
| Auto-rebalancing | Manual | Automatic (ERAA) |
| Min investment | No minimum (RM100 for reward) | No minimum |
| Min monthly fee | None | RM5/month (from May 2026) |
| New user bonus | RM25 + 50% OFF (code 4G4TEP) | RM300 Gold ETF (new users) |
| SC regulated | Yes (CMSL broker) | Yes (DIM licence) |
Cost Comparison on RM50,000 Portfolio (Annual)
| Portfolio Size | FSMOne (buy-hold ETF) | StashAway (0.8% p.a.) | You Save |
|---|---|---|---|
| RM10,000 | ~RM0 | RM80/yr | RM80 |
| RM50,000 | ~RM0 | RM400/yr | RM400 |
| RM100,000 | ~RM0 | RM800/yr | RM800 |
| RM200,000 | ~RM0 | RM1,475/yr* | RM1,475 |
*Tiered fee: 0.8% on first RM150K + 0.7% on remaining RM50K. FSMOne cost assumes buy-and-hold ETF RSP with minimal trading.
📈 FSMOne — Free RM25Expires 31 July 2026
RM670/Month for 30 Years = RM1M — At 0% Sales Charge
Plus RM25 free and 50% OFF fees for 30 days when you sign up with code 4G4TEP.
Monthly DCA → RM1M at 8% p.a.
| Monthly | 10 yrs | 20 yrs | 30 yrs |
|---|---|---|---|
| RM300/mo | RM55k | RM177k | RM449k |
| RM500/mo | RM91k | RM297k | RM749k |
| RM670/mo | RM122k | RM397k | RM1.0M |
- ✅900+ unit trust funds including ASNB
- 🌍Invest in Bursa, US (NYSE/NASDAQ) & HK stocks
- 🔐SC regulated — iFAST Malaysia
Use code 4G4TEP · Min. RM100 deposit · Offer expires 31 July 2026 · T&Cs apply
FSMOne vs StashAway Malaysia 2026 — FAQ
FSMOne vs StashAway — which should I choose in Malaysia?
Choose FSMOne if you want to self-select your own stocks, unit trusts, or ETFs — FSMOne charges 0% management fee (you only pay brokerage per trade). Choose StashAway if you want a fully automated, hands-off robo-advisor that rebalances for you — StashAway charges 0.8% p.a. management fee on the first RM150,000. For cost-conscious investors who can spend 30 minutes a month managing their portfolio, FSMOne is cheaper.
What is StashAway's management fee in Malaysia?
StashAway management fees (2026): 0.80% p.a. on first RM150,000; 0.70% p.a. on RM150K–RM250K; 0.60% p.a. on RM250K–RM350K; 0.50% p.a. on RM350K–RM500K; 0.40% p.a. on RM500K–RM1M; 0.30% p.a. on RM1M–RM3M. Plus underlying ETF expense ratios of ~0.15–0.25% p.a. From May 2026, a minimum monthly fee of RM5 applies (waived if you make a deposit that month).
Does FSMOne charge a management fee?
No — FSMOne does not charge a portfolio management fee or platform fee on stocks and ETFs. You only pay brokerage when you trade (0.05% for Bursa, 0.08% for US/HK stocks). Unit trusts are 0% sales charge. If you hold ETFs and don't trade frequently, your ongoing cost on FSMOne is effectively 0% + the ETF's own expense ratio.
Can FSMOne replace StashAway?
FSMOne can replace StashAway for investors willing to manage their own portfolio. On FSMOne, you can build a diversified ETF portfolio (e.g., Vanguard S&P 500 ETF) via the RSP (Regular Savings Plan) at 0% processing fee — similar to StashAway but without the 0.8% management fee. The trade-off: FSMOne requires you to choose and rebalance yourself; StashAway does it automatically.
Is StashAway regulated in Malaysia?
Yes — StashAway Malaysia Sdn. Bhd. is licensed by SC Malaysia as a Digital Investment Manager (DIM) under licence eCMSL/A0352/2018. It was the first licensed robo-advisor in Malaysia. Client assets are invested in ETFs held in segregated accounts. FSMOne is separately regulated under CMSL/A0260/2009 as a full-service broker.