I joined in March 2020 and deposit a few hundred every month just to play-play, and surprisingly it's now at about 4% returns after taking into account the currency impact. Not bad for sitting on my ass and doing nothing? Can consider to put more.

Btw to those who've pulled out earlier and closed account, they will pro-rate the per-annum 1% management fees or not? Or charge the full 1% regardless how long you've joined?