If next time got one banker accidentally transfer your money wrongly to my account, will you still believe the banker?
Some will forgive, some won't, as simple as that.

The backend involved two parties bro. Are you really sure is Curlec problem solely?

Hey guys, how long does it usually take for JomPay funds to reach our SA account? First time using JomPay since they have suspended direct debit feature for now.

this is very bad i feel. Time taken is just too long.

SA should request compensation from Curlec instead. Maybe ask them to provide free auto debit service for 6 months as well

My deposit has been in 'progress' since the 29th July. Anyone deposited recently and have the same problem?

dam, mine must be lost somewhere in transition. Do you have more than 1 portfolio?

Thanks for your reply. Dunno why mine is 50% off instead of free.

Just dropped a whatsapp to SA on this.

One thing I loves about SA is their CFO constantly sharing his views on current market and they have valid reasons for the assets they chose.

Although it's marketed as 'Robo-Advisor' but it has human overseeing the investment direction. For me it has the advantage of 'passive investing' of a roboadvisor, but also has the advantage of 'market optimization' of a unit trust.

Wait, these two arent mutually exclusive. What's ur point here?

It took like nearly 1 week to receive the money, cashed out on monday evening, money came in on monday. If u ask me to park money, i think opus income plus fund is reallt worth to look at. No sales charge, the miney u bank in before 4pm will show tomorrow, u wan take out also before 4pm u withdraw tomorrow also out already.

agree to this but weight on gold is not that high

can try, however the amount of headache dealing with foreign regulator just isn't worth it (unless millions, then get local lawyer to attend the case on your behalf).

i'm unsure if you'll receive the full capital back (if hacked), but i do know that your funds with luno is kept with a trustee account (Amtrust) as per SC's requirement to operate a local cryptoexchange here. However, it's an interesting question, maybe i'll ask around on this as crypto isn't like fiat where u have PIDM up to RM250k

does Simple really help much in terms of giving more value to your cash? In your case, car insurance payments.

What i am saying is, does the interest/dividend generated able to cover your car insurance?

I suggest you put in RHB Smart account better bro, they have 1.5%+0.5% based can earn each months

Stashaway Simple projected 2.4% pa is subjected to OPR rate. With latest drop, the return is less than 2.4% pa.
Another issue with Simple is the longer duration to process buy and sell order.

Besides that, there other money market funds which give competitive rate against Simple but with less processing time like Philips Money Market Fund, etc.

consistent DCA? then you do VCA?
when is the best time to check your portfolio? when your mood feels like it? checking at different time will yield drastic difference?

best is just DCA and don't need to open it. open it after a year would give you bigger surprise too.