You can withdraw money at anytime and don't have to commit for years. But do keep in mind when you request for withdrawal, it will take 5 working days or more to process.

You can deposit any amount every month as you like.

Reoptimization*

Rebalancing happens everytime u deposit, receive dividend, and withdraw. You mean reoptimization of portfolio.

Yeah, you do get dividends

Make sure ur portfolio risk is low enough to have treasuries, deposit at least RM500-1000 to have at least USD0.01 dividends, treasuries ETFs usually ex on 1st business day of every calendar month, when they ex you should see the dividends are pending to be paid to you already.

70% of my investment fund goes to Bitcoin & BitcoinCash.
The rest for FX, plus tiny portion in SA, Mytheo & Wahed.

Not bad at all, my 6.5% portfolio MWR is 3.53% , TWR is 5.5% , created the portfolio in April 2019.

The 36% portfolio sitting pretty with 27.3% and 20% since Nov 18. Happy with it so far and only paid management fees for 2-3 months. Now free again for 6 months from Boost.

Question, does the return include dividends received?

Just asking guys, to topup DCA WEEKLY, which way is tue FASTEST way and CHEAPEST way, ex. credit card, bigpay and etc?

There's alot of debate about whether gold should be considered a proper asset class or not. Some say that gold is just a safe haven to maintain the value of your cash and has no intrinsic income generating value in and of itself, as opposed to a proper company that is growing and has long term prospects of increasing exponentially in value..

What I meant was, there are arguments saying that gold has no intrinsic value. People merely buy it and drive the value up due to speculative reasons / hedging. But gold has no real income generating value, in and of itself. That's the gist of the argument. Haha. Actually it kinda makes sense also. The long term price of gold is actually more cyclical than upwards.