the drop in USD is also one of the main factors hurting the returns. but if DCA means can buy more units.

what the person said above.

likely when you buy in when USD is high that's why when MYR appreciates the MYR total return also decreases a lot.the only stable returns i have now is Wahed since it is MYR denominated.

Wonder why the removed.

MyTheo clearly shows the currency impact, which is quite painful to look at at the moment

that's true. lucky i have Wahed which is ever increasing. Always good to diversify.

I tried to increase my risk but the system doesn't allow 😅 possible to redo their survey?

Wah need 2 hours to study lol.. ok will try

Whatever gains from MyTheo completely wiped and in negative region now haha.

SA still holding on.

Wahed not really affected. Thank goodness. Because Malaysia markets nothing much to wipe anymore lol

If you want to time the market I don't think roboadvisors are a suitable platform. By the time the market moves, you deposit your money, it may take 2-3 days before it reaches your account and another 1-2 days before it gets invested into the funds.

If you want to play with time should buy the ETFs directly. Roboadvisors should only be for regular dca and savings IMO.

Currently my Wahed accounts gains already close to 9% and SA almost got wiped due to coronavirus outbreak. MyTheo also in negative region now. That's the volatily you have to expect when you invest in overseas and in USD.

Wahed also invest in much lesser funds, only 4 at the moment compared to huge baskets compared to SA and MyTheo. Although investing in many baskets seem to dilute the risk when shit happens but when shit hits everybody the losses are even greater lol.

But for long time it's still always better to diversify, holding MYR and USD stuff. In my noob opinion based on observation on my own accounts.

Well Wahed minimum investment is RM100, if got spare cash can throw also

started investing on 2nd November.

this one can just DCA and forget lah. for spare cash. then you won't have temptation buy unnecessary stuff

yeap regulated by SC as well.

yeah zero impact so far from the coronavirus outbreak on wahed the app still working right

Yeah finally dropped today.

SA back into higher positive returns, all thanks to ringgit dropping from 4.08 to 4.12

Topping up is to DCA so that in the long run the cost will average out. Has anybody lost money until pants drop under SA? If stock markets then yes la. That's the beauty of ETF as well as prices are lowered and diversified across tracking several funds and further diversified under roboadvisors tracking different ETFs from different regions.

Don't think SA got advertise about get rich quick though. They always emphasise its for long term.

Anybody still like me procrastinating to do the course to get to 36% risk?

If US crash...everybody else will crash

they also have bond and gold ETFs lor. not only equities. it's quite diversed. however the more aggresive you go the higher the percentage in equities vs bonds/gold