Who asked yu to change at the money-changer ?      One of the skills involved in investing overseas si also to know :-

1) All the most effective mechanisms to convert your funds in and out.

yes good question. or maybe he is saying buy straight in a foreign fund but wouldn't conversion be based on bank rates and we all know bank rates are expensive

Yes,... bro, onshore, money-changer is the cheapest,... :thumbsup: you have to think of ways on how to convert out using the cheapest way, and then reconvert back if you needed the funds in RM, again using the cheapest way without the institution eating too many pips.

.. how to answer,... pls tell me a scenario that you would like to use in order to invest, eg,... you wish to invest in an SG fund inside Sgp,... etc,... or what,.. and I will tell you how I would do it,.. 

Bro,... I like your spirit,.. :thumbsup: step-by-step,...

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

Emm,... let's see,... I too groped in the dark many years ago. Today,.. I would do it this way,...

I would open a DBS MCA Account - STILL CAN OPEN. SEE MY PRINCE'S POSTING IN THE 'SGX COUNTERS' THREAD.

I would change my currency into the SGD (or USD, or whatever else) at Mid-Valley after booking my rates there.

I would arrange for holidays to Singapore with family-members. I would handcarry the SGD to Sgp since I'm going there for holidays anyway with family members, relatives and friends. Please remember to follow the Customs regulation : Not more than USD10K per person per trip. Don't break rules, bro,...

I would bank-in the excess SGD notes into my MCA which I have not used in my holidays in Sgp..

But that's just me,... since I go to Sgp regularly,...

Otherwise, you need to TT,... But TT'ing is killing because of the exchange rate imposed by the banks..

Will monitor war trade between China and US or Malaysia(if available)...dem la like now...MYR become useless already