Was it because
Possibility of strengthening of MYR?

Small gain of 5%?
In USD or in MYR?

I think he means he cannot tahan any sort of forex impact/risk to total returns 

If you feel affected by short term swings, go put FD or EPF.

When Malaysia kena hit by hyperinflation, however improbable, at least half of our retirement is safe with global diversified investment portfolio.

So you are saying every investor with an emerging market currency should not invest in any US assets ?

The idea of DCA is to average out the risk. Or you can 'time' it. USD go up, you cash out loh, MYR go up, you buy in more loh.

Yup, they can be divergent as well. But hey, that is exactly what hedging means, right?

FX is just a very small issue in SA. Why you magnified it?

4.5 is high but pandai pandai see graph lah.4.5 still lump sump meh? Of course enter bit by bit.

You buy any foreign investment also got fx risk. But it's not wise to be MYR concentrated

"for investment as simple as possible" but "i will buy currency contract"  :confused:

For real, using StashAway is as easy as it can get for regional and sector diversification. You just set risk you undertake then deposit, that's it.

Based on what you wrote, does it means that you will not touch sgx or nyse at all?

Since no matter through what platform you invest in foreign stock market, you will expose to "fx risk" as long as you are earning MYR.

If u buy foreign currency instruments consistently over time, forex fluctuations are not going to impact your overall profit much.

That's what Stashaway is about isn't it?

What gave you the impression that Stashaway is for short term investment? They have never advertise it as such.

I see people complaining about this & that... What are you guys comparing it to really?

Do you have other better alternatives? One that allows us to invest in US based funds with a reliable algorithm which we dont have to monitor & one would auto allocate our funds based on the market conditions without us having to deal with agents & all the other BS? As easy as Stashaway?

How is that when the ETF itself is USD?

If it's not affected, it only on paper. Like some fund we invested in the FSM feeder fund.
But,  underlying still affected.

Generally USD is appreciating along the time. I can say it's impossible myr back to 3.5

When you mean concentrate on stock performance, you mean on KLSE only? How would one get exposure to oversea stocks, without fx risk?

US dollar was strong against sterling (the shaded areas), the
hedged share class underperformed the unhedged share
class. Where the US dollar was weak against sterling, the
hedged share class outperformed the unhedged share class.

Chart 2 below gives an example of how this has worked with the
Templeton Global Total Return Bond Fund. While for any short
period of time one or the other will outperform, over the last five
years the total return of the two share classes has been fairly similar.
When you say there are costs for hedging, I assume you mean administrative costs? Given that in the long term the returns may be similar, what would be the reasons one would want hedging?