Daheck is going on? With this much accumulated loss, it looks like my portfolio isn't going to turn positive even after another 1~1.5 years, lol...

Not sure what is the composition of your portfolio that you have that dropped 3% (I think its about there for many of us) but here are some comparisons:
1. ARKK -0.7%
2. VTI/VOO/SPY -2.1%
3. VXUS -2.9%
4. lee82gx personal portfolio - -2.7%   
5. US banks and finance - roughly -5%
6. QQQ -2%

Long term, overall do you track any of those well in the ups and downs?

Sorry ya, but what happened yesterday, what meltdown?

and they’re charging me RM25-30 per month on management fees. I feel like taking it all out.. there are btr places that generates more than a mere 5.9%

Well, market usually always up trend in general in the long term.

Just need to have some patience and some self control emotionally to be an investor.

I suppose maybe i need to counter a bit. Just for fun....Don't shoot me I too love a discount.
1 Peter Lynch says selling winners and buying more losers (avg down) is like water weeds and cutting flowers.
1.1  Peter Lynch has said that more money has been lost, investors have lost more money waiting for the next downturn than every downturn combined has ever cost.

1.2 Warren Buffett: has talked about one of his biggest investing mistakes was not buying Walmart in the late 1980s over three-eighths of a percent in price.
2. If there is a general dip in the market - I suppose yes, its time to buy.
3. To ONLY buy during dips is a poor poor strategy.
https://www.marketwatch.com/story/buy-the-d...-it-11632245567

Sorry I feel like contrarian today.

Wouldn’t that be basically locking in the losses?
I thought the whole point here was long term play.

KWEB 40.32 right now 🙈🙊🙉

no one can foresee the rug pull, but any AI will know that support from previous low in jul/aug has broken already

Nice. You skipped step 1 and straight step 2, by the way I said this is more for starters and therefore for experienced investors (in control of their emotions lol), I will always suggest DIY instead.
I humbly beg to differ. Nothing ventured nothing gained. No pain no gain etc etc etc.
For the not yet rich enough, all the more you have to invest. Without this disciplined saving, you will NEVER break out of rat race. Don’t believe for now that in Malaysia any amount of “earning power” salaryship can truly lead you to financial freedom.

My own experience tells me so and I’ve seen too many of my peers on the losing side ie depend on salary. The times when I ikat perut eat kembung, the times when I holiday in my kampung, buy rm800 androids, still driving rm30k clunker fixer upper but have my own financial destiny mapped out. Now these same peers of mine, asking me how to invest. So then how would I advise them :-

The other day I was saying the most important thing in investing is your own stomach and gut, now the most important friend you must have is TIME. If you make him your friend, time will bring you wonderful returns. If you don’t make him your friend then eventually he is your enemy. Fight against time and you will rely on luck, make mistakes, take unnecessary risks.

So for those impatient ones, what is a year or two? What have you really lost, in the bigger picture?

Then, if you know what better to do, why not do it?

Perhaps let me venture first and humbly lay my equity portfolio:
I have 30% in the company I work.
30% in growth stocks that will scare the bejesus out of any regular folk, like adobe nvda and tsla, aapl, and smaller names like docusign (ouchhhh!!!)
30% in ETFs that mimic StashAway minus kweb. I had a lot at some point and i mentioned in July I sold it all.
10% or so in cash. (This is why I kepoh here)

I’m looking at moving a portion to reits and value stocks but I’m still formulating that.

I have every bit of interest in the success of passive indexing which I think StashAway is the prime example for Malaysians.

Do know that if you start selling the whole deck of cards come tumbling down, OR someone else buys your stock at lower price. This basic understanding is very powerful. You need to know your price and value of the thing in your hands. Simply sell and it will be other’s treasure.

Edit : SEE YOU AT END GAME

I understand this is a Msia forum but the CLOB saga many years ago still send some shivers down my spine and those even older than me. Can you imagine just shut down the trading on CLOB shares how many Sporean investors monies are lost there ? Imagine vice versa Spore SGX do the same to Msia investors who can take it ?

I hope such practices not to repeat again and that is why until today I don't have Msian funds and stocks. I am still quite apprehensive and I am getting old can't afford to lose monies in this way.

sias.org.sg/latest-updates/dont-let-market-clobber-you-again/