what do mean 0.98-1.35 ? allocation ? mine on very aggressive and hlal allocation is at 65%

Switch to Very Aggressive.
The Malaysian exposure will reduce to 35% only (20% in Malaysia ETF; 12.5% in Bond and 2.5% in cash)

My Malaysian portfolio has more earnings than US at the moment.

i tried and below is the result all portfolio start almost same  timing about 25 to 30 days:

SAMY - this one return about 7% (26% risk portfolio)
WAHED - this one return quite high 6% (aggressive)
RAIZ - this one return so so about 2% (conservative)

WAHED withdrawal i still following up and they say will be in my account by 12 August. I withdraw it on 30 july.

Which fund or ETF for that snapshot to be more precise?

Will I receive dividends? 1 month ago  Updated

The funds we invest in pay out dividends, however the frequency will depend on each fund's policies.
The dividends you receive will be automatically reinvested into your Wahed account

https://malaysiasupport.wahedinvest.com/hc/...eive-dividends-

Not sure when will the payout but I have checked the June and July monthly statement.
There's no change in units for HLAL.

Market Review: 9 - 13 November 2020

Most funds used by Wahed Invest were up last week, with HLAL +1.5%, MMID +18.7% and RHB IBF +0.2% while GOLD declined -2.7%. The S&P 500 closed at a record high following news of progress in the development of a COVID-19 vaccine. Global stocks surged after Pfizer and BioNTech announced that their vaccine had 90% effectiveness, triggering optimism that the health crisis will be addressed and the economic recovery can be accelerated. Locally, the KLCI was up 4.3% last week. Bank Negara Malaysia announced that the gross domestic product (GDP) for 3rd quarter 2020 declined by 2.7%, compared with a sharper slump of 17.1% in the 2nd quarter.

HLAL	MMID	RHB IBF	GOLD
+1.5%	+18.7%	+0.2%	-2.7%

Table 1: Week-on-week returns (9 Nov 2020 - 13 Nov 2020)

Market Outlook: 16 - 20 November 2020

The news of an effective vaccine should raise market expectation that the global economic recovery will be sustainable in 2021, although near-term uncertainties could still trigger volatility. The production and distribution of the vaccine will take months, and in the meantime the pandemic will continue to shape the direction of the economy. For the Malaysian market, local corporates will start to post 3rd quarter earnings that are expected to be better compared to the previous quarter following the easing of the movement control order.

Pressing Points: Be Disciplined In Periods Of Market Uncertainty

Year-to-date, all funds continue to perform well in terms of total return, with HLAL +17.0%, MMID +37.8%, RHB IBF +4.8% and GOLD +22.4%. The positive news on the COVID-19 front gives hope that the market and economic recovery could be sustained in 2021 and beyond. Long-term investors that invest according to their risk profile should not be distracted with short-term volatility, as they could miss out on sudden spikes in the market if they divest during a market downturn. As usual, being disciplined and exercising dollar cost averaging is our advice for long-term investors.

HLAL	MMID	RHB IBF	GOLD
+17.0%	+37.8%	+4.8%	+22.4%

Table 2: Year-to-date returns (1 Jan 2020 - 13 Nov 2020)

is there any group can join to know more about Waheed Investment? discussion group or info etc?

But you can always use the slower "wire transfer" method

FPX only if you want to transfer instantly, but why need to? Wahed is not like crypto that requires fast deposit/ withdrawal to "capture the moment".

Will try the "wire transfer" method next round to see how long it takes.

The underlying A shares are not convincing because regulatory risks

Better off buying through HKSE instead

Not weird, the RM 278.31 is RM 300-(144.71-123.02)
144.71-123.02 being the drop in your earnings due to market fluctuations.

Not invested doest mean its not there, it just means its part of your cash holdings in your portfolio or hasnt bought shares yet. Its still part of your total asset portfolio.

TLDR: Difference of 278.31 is due to deposit net drop in market value.

Only Emerging Markets portfolio will get hit 1% because underlying USD and I suspect would be EEM

China-A most likely the same as the current ETF listed on Bursa as the diversified portfolios

Only local REIT and Money Markets which based in RM would be good if the fees are lower than 0.8% and have to see the underlying of it

Yes. It will incur the charge.

Most probably will move to Most Agressive portfolio to circumvent the extra surcharge. 65% exposure to HLAL with 12.5% exposure to China. I'm still okay with it. But the main robo I DCA into is still Stashaway. Any extra spare change only will put into Wahed. I still don't have enough seed money to DIY 😣

Same 1% incurred because is it in USD as Wahed is not able to absorb the FX charge just like FPX charges before

If you rather buy HLAL you will better off buying VOO or IVV long term for cheaper expense ratio 
SA fixed charges all the way with lower charges as your portfolio gets bigger
Don’t forget FPX of RM1 for those who like to DCA