want to check with all pros and sifus here.

usually your MWR or TWR higher?

higher by how much ?

3-5% ?
5-10% ?

want to check with all pros and sifus here.

usually your MWR or TWR higher?

higher by how much ?

3-5% ?
5-10% ?

want to check with all pros and sifus here.

usually your MWR or TWR higher?

higher by how much ?

3-5% ?
5-10% ?

want to check with all pros and sifus here.

usually your MWR or TWR higher?

higher by how much ?

3-5% ?
5-10% ?

I could be wrong but this is how I look at it. If everything else is constant, as in market increment/decrement rate over time (0% fluctuation), DCA amount, DCA frequency etc, the final calculated MWR will be exactly equals to TWR.

MWR 6 to 9% higher because I time the market to deposit when FX conversion is strong for RM just what happen last week 

No one can answer this for you; you just have to decide what you believe the trend will be in the coming days. If USD weakens 5% relative to MYR and the ETFs increases 5% due to positive investor sentiment, the effects cancel out. If you are not comfortable committing a large sum of money in one transaction, you can always DCA first until you make a decision.

Depends on your amount, risk appetite, ROI, monetary needs and time horizon gain

For myself anything on FX conversion rate of RM4 to 1 is a bargain at the moment for Q1 as the barrier for to go lower for RM it is difficult to go lower than that in the next 6 months as currently on range bound between RM4.01 to RM4.05 which to people DCA small amounts will not notice much difference because of the rounding with FX spot rate

This only will works for those are investing 30 to 36% because of the higher exposure to equities and not for those on lower risks appetite

If anyone last week Monday and Tuesday invested lump sum will have already gain an extra 1.1% gain for YTD due higher buy order units due to lower conversion rate 

want to check with all pros and sifus here.

usually your MWR or TWR higher?

higher by how much ?

3-5% ?
5-10% ?

This is what i done, DCA monthly, got dip kasi in lagi 👍👍👍

I find it quite weird to see you time the market based on forex, did you check the underlying etf price before you consider that?

It would be better to take all the underlying etf into consideration in term of myr. Based on your logic, one should not invest during march crash since USD/MYR is pretty high back then. You get "less" USD.

Thanks, I think I'm getting what you're saying.
Also, mine is on 36% RI, and I plan to put in lump sum, maybe more when the USD is weak now. Later probably will DCA when I know how much I should put in, lol

Of course I did on the FX conversion spot rate on to USD with prices to buy ETF in USD with comparison on levels which is when to buy ETF price which mine strategy is different due to weekly monitoring

I will cash out my gains just my returns when the USD is stronger against the RM wand ETF prices is on range trading otherwise just adjust the risk 30 to 36 or vice versa

March was not the time to invest but May was because FX conversion and it’s ETF was rock bottom then which I bought into it then when my money was on Simple since Jan to May
If put lump sum at 36% just be patient because the gains will show within 3 to 6 months 

I admire your confidence level. I think it is waste of my time to explain. Nevermind. Simple does not even exist back then in the time period you mention and march is definitely the time to invest but no point since no one got a time machine. Lol

March 23 USDMYR was at 4.44 and it takes at least until 30 May to drop to 4.33

March 23 USDMYR was at 4.44 and it takes at least until 30 May to drop to 4.33

I am just going to leave it here, let see if you understand



Did you see that awesome double digit gain compared to your meagre forex changes

Those double digits are nothing compared to invest on FX spot rates at that time

The forex changes are for those who is willing to lump sum into deposit and buying into momentum and you should provide the chart from May to December which is on double uptrend to what is shown here

Not sure why SA abit slow now 🤔

My experience before December: Sunday night jompay, Monday morning around 11pm receive fund, 6pm buy order , Tuesday morning gaodim everything

After December till today: Sunday Night Jompay, monday 2pm only receive, now still in progress to convert into USD, tomorrow only will have buy order and gaodim everything on Wednesday morning

invest amount still the same ?
last time i oso like u, every day chasing the process, now i dun wanna see liao.
as long as SAMY received, bila mahu start execute buy, suka hati dia ......
i prefer read u ppl punya comment.....

if nothing special, i go polar punya bog(Ringgit Freedom) baca la.....