Sometimes, I wonder,...the currency that is under deliberation here is the USD. If the MYR is pitched against the Euro and the AUD, it should be more favourable because the Euro and the AUD would be weakening against the USD too,... in tandem with the MYR.

Why should the MYR be suffering 'alone' against all the other currencies, when the USD is clearly winning against all, not only the MYR ?

It is never too late. I have already set aside a sum for the education need. So long as it is not breached, I do not have much concern. Except coughing out more dough and less dough for retirement. 
I am actually not asking for advice as already know what to be done. Thanks anyway !

i was surprised u made the first comment as i thought u would have known!

it's all about CONFIDENCE.

which is seriously lacking, getting worse:

.. USD is appreciating against MYR.
.. Chinese authorities are letting RMB depreciate, triggering the prospect of currency devaluation war.
.. under MO1 administration, the country has recorded an external debt of RM833 billion as of end of 2015.
.. crude oil prices are still sagging.
.. investors are still being spooked by 1MDB scandal which doesn’t seem to be going away.

there is not a single piece of strong support at this time.

the $ is ALWAYS driving all other currencies - biggest open economy, world trade denomination.

YEN never had the ambition to exert more influence.

EURO and RMB were supposed to take over some influence from $ but there was Grexit, Brexit, China not ready.

all the rest are small fry.
the "defence" seen now is only tactical and limited in effect.

if anything to draw from the thai baht collapse in 1997, it is impt not to let confidence erode some more as to spark private/foreigner selling of assets and intensified capital flight.

and that can only be achieved by the world seeing good governance, honesty and integrity.

now, that is not forthcoming, is it?!

like i said (or joke), do some major shopping now!

looking at the prices of the restaurant and grocery store last 2 days, some prices have already been revised up.

100% imported stuff even with zero gst like aussie beef already up 15%.

a lot more to come.

Yeah

noticed that as well. Lots of daily essential items have gone up.

True. I put into ASX FP to hedge against rising cost when FD cannot cut it.

in the baht crisis of 1997, it wasn't just the liquid assets but the hard ones too - buildings, land, factories, whole biz.

it was after the crisis that many MNC's in emerging markets no longer want to own buildings and land but just rent.

this time, here... may be more stable - less of that plus china is likely to hold on to what it paid for recently or going to pay.
ASX... not sure if i read correctly..?.. in one recent bloomberg report, it cited even bumis are now selling - to cope with rising cost of living and debt. do google...

what do u think bnm can do that will make it better?
mgs yield.. ooo... touched 4.46% today.
http://www.bnm.gov.my/index.php?tpl=2014_govtsecuritiesyield

all time high is 5.0%, i think.

I don't know exactly to be honest, but could they start burning up foreign reserves to defend the currency?
Or maybe peg the currency ?

reserves... peg...

pls read last 10 pages - all is there.

umno thugs are well known for their lawlessness,  they will intervene in whatever unreasonable ways to defend myr, so myr is artificially strengthened.

end result is, investors all cabut.

This is juicy yield. 

Governor: Bank Negara won’t tolerate ringgit transactions in NDF market
http://www.thestar.com.my/business/busines...-in-ndf-market/

Bnm could officially ignore ndf. However, foreign investors couldn't ignore the margin between ndf and onshore rate. If margin widen or high for extended period may prompt them to exit mgs for safety pastures.

USDMYR rates stopped moving since yesterday..anyone experiencing this ?

Bank Negara international reserves higher at US$98.3b as of Nov 15

You can intervene without using reserves.

Only in bolehland...
No wonder most of us already "keluar" with the money & invest elsewhere

u are serious on keeping all the money in ASx or just trolling for fun