Yes. We know that (money changer being the cheapest). The question is what other "ways" are consider cheap?

both excellent comments!

some think achieving 15% over 2 years or 7.5% pa is silly.

some think that is a winner.

due to very varied expectations, experience and risks taking.

the fact that the FD thread is now v14 and is one of the most popular threads in LYN say something, doesn't it?

and currently, 4% pa attracts a lot of people, incl me!
i oversimplified the real example case when i said "15% over 2 years".

the money wasn't kept under the pillow. i don't keep cash idle, nobody should.

it was put in sgreits, earned another 11% in dividends in 2 years, no cap gains.

so, total was 26% in 2 years or 13% pa.

now, that's certainly ok, no?!
essence of the story - those who took action to protect their life savings with major fx denominated but low-mid risks methods in the last few years achieved good results.

question is will it continue? that, with this 2 yr old thread into v4, u hv to make yr own mind or come back here only to read in a couple of years.

good question.  one that I actually wanted to do.

say I open up a fundsupermart account in Singapore so I can have access to SG REIT.

option 1
I am able to open a bank account in ocbc Singapore that ties into my fsm SG account (very impossible now a days to open a bank account) so I go through money exchangers in Malaysia to switch myr to SG

option 2
i open a maybank foreign account do I convert through the bank?

option 3
Telegraphic transfer

I see. So you are still using the money changer route. Guess I will need to make a trip there once year.

Actually you can get your family to carry your money too. One person USD10k, 4 people USD40k already.

I fell hopeless with current MYR value...any chances it will go to under RM3.8 in near day?

No chance to to under 3.80
But there's some very slim chance of 4.00 - 4.20 range

aug 2016, we were discussing below.

very heated, plenty of skeptism, many hopefuls.

today, results overshot.

but ex rate is a dynamic thing, will keep finding the right spot with global financial gravity as the months and years go by.

and given actual ex rates now, my bet is on BNM to RAISE rates in the next few months.
do read up interest rate parity!

rates come down and my house loan tak gerak. 

rates go up immediately get letter from bank.

shit

Better don't..
More shit will happen..
More interest payment for loans

two or more week tooo slow...need some drrastic action from Bank Negara...

BNM new measures set to boost ringgit: Analysts
http://www.nst.com.my/news/2016/12/194775/...t-boost-ringgit

As usual, every analysts xpect sentiment towards MYR will improve

Wat wud happen to MYR when BNM announce lower intl reserves @ 30/11 on 7/12 

i have been selling usd buying myr since oct till now...guess i'm swimming solo here.
(my usd holding was from the 3.x period)

Diversification is long time championed by me.
It is just I highlighted there are avenue locally, or RM denominated that one can hedge upon RM weakness as well, not necessary must convert
Eg.
Invest in Carlsberg Malaysia, one has exposure to SGD.
Invest in Ytlreit, one has exposure to Aud.
Invest in glove company, one has exposure to USD.
Money put in local bank gold saving account in RM, one has exposure to USD (set aside the gold price fluctuation issue)

I never say one shouldn't invest abroad nor I am championing RM.

In fact I like SG reit and SG banking stock very much at current point. 

This is what I am highlighting about, not to say RM asset is better than others nor to say shouldn't convert. 

The fact is those stocks does hedge us against RM weakness and protecting our purchasing power in the process as well.

No 1997 is not enough to overcome the structural issue in our economic policy. We need a Greece crisis where unemployment goes up to 25%. Only then we can see changes

How about invest in AUD via UT in M'sia 

How about invest in AUD via UT in M'sia 

Ok, since every individual has their own portfolio, why not we compare the Index so we get a general idea which is better RM stock vs Forex stock. Comparing the Index will take away the peaks and dips and show a typical portfolio.

We use KLCI, STI and DJIA to compare 1 year and 5 year return :

1 year high low :

KLCI 1672.00 / 1624.97 = -2.81%
STI 2876.03 / 2943.05 = 2.33%
DJI 17730.51 / 19216.24 = 8.38%

MYR/SGD 3.0031 / 3.1231
MYR/USD 4.215 / 4.4485

Based on the above historical numbers, if we invest RM100k in KLCI 1 year ago, 1 year later (yesterday), the market value is RM97,187.20. The return is a loss of -2.81%

If we converted the RM100k 1 year ago into SGD, we will get S$33,298.92. We invest in STI and 1 year later yesterday, the market value is S$34,074.89. We convert back to RM at 3.1231, we will get RM106,419.28, or a return of 6.42% in RM term

We do the same for USD and invest in DJIA. The return is 14.38% in RM term
For 5 year high low :

KLCI 1460.13 / 1624.97 = 11.29%
STI 2694.60 / 2943.05 = 9.22%
DJIA 12184.26 / 19216.24 = 57.71%

MYR/SGD 2.4344 / 3.1231
MYR/USD 3.1475 / 4.4485

The returns are :

KLCI 11.29%
STI 40.12% in RM term
DJIA 122.90% in RM term
The numbers speak for themselves.

If treasuries keep on rising, bond may be a place to avoid temporary.

Aud interest rate is at historically low.

M surprise to c Oz banks up int rate but RBA maintain rates 

Yeah........but Aus interest rates are so so low........ 

i thought when interest rates rise, REITs tend to tank?