Growth portfolio going heavy on Japan is weird for me.. but still gonna do dca for 6 months then only judge by end of year.

Don’t really like Japan because even now in FSM its the only negative port for me this year

If you don’t want the withholding thing I assume that closing your account will fully return your account value back to you?

I closed mytheo account long time ago but for a different reason - i simply dont like their selection of funds.

For those of you who just entered not long ago (after Sept 2019), its normal to be having low returns or even negative because that time is kinda like a peak for 2019. Give it more time to develop and remember to DCA, not just lump sum and hope for the best.