Deposit rm500 in Oct.
Today, my account is rm503.29
FD is better

already cashed out . I lost money due to fee & forex. Investment did not bring home enough money to offset.
Anyway they are start up mode , they are very concern people closing acocunt.

I got a call from them asking why i closed. I said i am an idiot in investing . I jumped onto these platform was hoping the app help me invest  but it does not bring home the money.

They said it was a wrong time to close the account because our ringgit strengthen against the US . Instead i should cash-in now . But then i told them , FD is guaranteed return although is low .

I wouldn't say good or not good. I am sure there is more technical knowledge going into these type of platform.
However for someone that have zero knowledge on investing , it boils down to simple maths.

If i put RM500 , i should get more than RM500 at the end of each period
take FD for example ; RM500 at avg of 3% per annum ; and the end of of the 4 months ; should have RM505-ish
This is guaranteed income.

for MyTHEO , during my 4 months .. i see as high as RM520 . but if you cash out the wrong time and after minus all the fee and forex. I probably worse off at the end of 4 months which was what happened to me.
With MyTHEO , many other consideration before you can cash out with a profit.

oh another key point for MyTHEO according to the guy on the phone call was ..... low starting value. RM100 you can invest already while FD is much higher.