just a note:
if you invest RM10 000 and
if you choose 36% risk level, there is a chance that you'll lose 3600 in a given year....

Which StashAway Risk Index Should You Choose?
https://www.stashaway.my/r/which-stashaway-...ould-you-choose

Short answer, not advisable, you won't able to sleep well if market crashed.

yes, i think it is ...if you can afford not to panic when your invested money encountered loses and stayed at negative for some years and if that invested money are the money that you will not touch for 10 years...no matter what.

Im investing majority of my savings in SA and Wahed. prob 50% SAMY 35% Wahed and 15% ASB. ASB only for emergencies.

I can see at least SAMY can survive a few more years before they gulung tikar.

Wonder how long smartly in business before they close down?

Bro, only 3 months you want to consider that fixed for long term? Very unrealistic expectations bro

Did you open the charts of your underlying portfolios for the past 6 months, 12 months and etc??
Would it be too naive that you forecast the return based only 3 months results?
I bet you won't even select a ut fund based on 3 months results.

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.

SA also got sales? What kind of sales?