I am quite puzzled with this actually. As i recalled previously there are some who have shared their experience with roughly the same investment horizon (started mid 2019) and some have posted double digits returns for the same 36% risk index.

U have a point there. Maybe you could be right.

I feel there is no right or wrong. Opting in is just like following waze whereby you 100% rely on waze to bring you to your final destination, turn by turn. Good for those who is completely clueless bout his/her current location.

Opting out is like waze may have suggested a preferred route, but you chose to take another alternative route because you may think your way is actually better than waze.

Either way, you will still reach your end destination albeit at differrent timing.

3months doesnt provide any meaningful input imo. And some have also mentioned that 2020 is completely an outlier year due to covid and doesnt represent the norm.

And if you have compared 3months period from jan 2020 to march 2020, you would probably say SAMY is a complete scam and stay out of it forever.