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 .

Yea, I request for close account. However the process is not immediate and while waiting for the account to close , it is still trading .
When i cash out , i remember i was above my initial investment of RM500 ... maybe RM505.00 something like that.
then at one point while waiting for it to close , it went below RM500.

Unsure what you mean but i had RM500 in there for 4 months.

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.

I got your point.
This is where people like me are dummy in investing , I took FD as "investing" our saving for guaranteed return.
The MyTHEO proposition to us newbie sounds very promising. The app has the intelligence from Japan that will manage your investment and risk ...well

when you make money ; they will also make money
when you lose money ; they still make money

unsure about the lingo used. What is DCA?
but i did not top-up .
just one time RM500 just to test water.

i totally agree to the risk and also you may say 4 months is too short.
however from my noob perspective , I compared day by day , week by week and I see an even up and down.
if it maintain like that for next 12 months , in the end i may end up with the same RM500.