I just reg an account. Too late for referal?

Just set up my account and link my direct debit. Do I need to wait or I can start investing immediately?

Few days back I was trying to transfer fund from bank to SA account but received this email

We weren’t able to complete your Direct Debit request because it looks like there are insufficient funds in your account. Please make sure there’s enough money in your account so you can complete your deposit plan.

Once there are enough funds, you’ll have to set up a new deposit on the StashAway platform.

Anything I did wrong?

Newbie question. I deposited for the first time RM10k to my SA account and noticed dropped to RM9967.

What happened to the RM33? I havent started investing yet

I invested 2 x RM10000 since a year ago and didnt really look into it. It's has dropped

I remember during the first 2 months I was making some gain. Then I tried not to monitor it (trusting whoever managing it).
Should I stay put and be hopeful it will go up in the long term?

I have the same thought too. Experienced similar thing in FSM where there were losses in the first 1-2 years but it bounced back. Just have to trust them.

Same here .

Invested since 14 months ago. Still cant break even

Look at Intel........