If it's few weeks ago yeah, then again it's not significantly
If they said due to the virus, still kinda acceptable

I meant that person blaming currency exchange for the losses it's not completely correct.

Did you DCA? Topping up in between the 4 month?

When you invest, there's risk of profit and losses
And of cos, depending on which investment tool, the % of gain and losses are different.

With etf, there's potential of gain averaging of 8 to 10% (based on s&p500)
And it's practically impossible to see that gain in mere months especially with current global market conditions

Although with SA, deposited on July 2019 and as of now approximately 9% ROI.

DCA = dollar cost averaging
with so many comment saying negative return despite market reaching all time high, i guess mytheo arent as good as stashaway and wahed

i do recommend stashaway aka SA or wahed. both also robo ai
head over https://forum.lowyat.net/topic/4750563/ for SA
since personally i am experiencing good return with SA hence i am recommending