Tq,.. yes, I have known this a long timeback when I first researched on how to take money back, in different amounts, from different countries which relates to different denominations/currencies, and with different techniques of repatriating back.

That's why I wrote to Ancient that if we are to explore brinigng funds back to Msia for our daily usage, there is a whole new strategy to study there, in order to maximise the net MYR amount that will drop into our bank account after conversion, minimise fees (even ATMs charge fees if we are to withdraw USD or CAD from our accounts overseas) and maximise convenience (ie we can lay our hands on the money everytime we want without requiring to log-on and do a TT).

We can touch-on specific countries if our discussion so requires,... if it can help our forummers. For a resume,... I have onsite bank accounts in many countries and interests in many countries.

Edited to add the final para.

I think malaysian will get use to 4.6 if it ever happen. Nothing much to worry its just imho malaysian haven't got use to it. Hkd is even worst at 7++ and I never hear them complain about it since they got so use to it. I think the same will happen once 4.6 or 5.2 as taken hold for 1 or two years then everything will be back to normal.

Read the above. I already gave the specific numbers and time frame twice

I will post for the 3rd time for you specifically --> I buy my bankers' advice - buy when it is <4.30. TP is 4.50. Before year end. It has already touched 4.40 today. I bought last Friday at 4.22xx. Not far away from 4.50 

I hope those pessimist and negative people will be very specific. It adds perspective to our debate. The sky will not fall down when your prediction is wrong. Why afraid to be wrong ? Your ego is so big even you are wrong in cyber world, you cannot take it ? 

Both getting currency and DCI. Buying currency the spread is higher than DCI. But I get preferential rate (not usual board rate). I have 2 banks which I can compare and get me very competitive rates. Whereas DCI is at spot or very close to spot, depending on your strike price. But for DCI sometimes you cannot convert. When you play DCI for longer time, then you are bound to have many currencies in different forex accounts. I should start looking at forex trading. I think the spread is the lowest.

After some time when you have different currencies in your accounts, that is the time when you have a lot of possibilities to play with. You can just hold it, trade stocks in that currencies for short term, or pair it further with DCI. Some pairing now gives >20% interest because of the volatility. My last pairing in US$ is ~24% 

Yes, I am currently short term as the volatility is very high. That is the opportunity to make more money (and chance to lose more money too). I believe the stock market risk is even higher that they may crash. So I am out of the stock market temporarily.

If you are a long term holder, the above is not the way. What are the instruments you invest in now ?