Yes, it will be a bit hard at this moment for those who have children studying overseas if they have not 'hedged their position with foreign currencies in-hand'. If they had, they would have been able to pay for the fees now using their foreign currencies instead of using a whole lot more of RM compared to the past. But let's not look back,... these people will have to bite the bullet and do what's best at this moment.

For the rest, it's better that they start thinking about diversifying overseas now. Don't wait anymore.

For me, I would buy-in straight since I am of the opinion that I am in for the long term.

I would go down to Singapore and open a foreign currencu account in Singapore.

I would then return to Msia and TT the funds to my USD foreign currency account in Singapore.

When the funds are in, I may buy some USD-denominated funds in Singapore via Philips Capital. I use Philips Capital.

No,...I would say convert into the SGD first and get a feel of it first. Then decide again from there if you wished to go into the USD and AUD too.