RM 40 is the referral bonus right?
That is not included in the earned part.
The small difference of RM 0.45 is the advisor fee.

First of all, do not rely on Wahed for long term investment. The company has only been around for 5 years and debut in Malaysia in 2019, its just too young to be a reliable investment.

I can't tell you which portfolio will perform the best in the long term, because I can't predict the future. But I can tell you which portfolio suits best based on what you believe will happen in the long term.

If you believe the economy will suffer in the long term, and that we will never recover from this virus, then sure buy gold which is nearing its highest price in history (currently at $1750) since 2011 ($1900), and that it will break that record for the first time in history and continue to increase further.

If you believe the economy will recover in the long term however, just like how we recover from 1997 Asian financial crisis and 2008 crash, then gold portfolio is a poor choice because you are buying it at its highest price. If you want to profit, then buy something that is on the rock bottom like company stocks instead.

If you want to invest in stocks though, I do not recommend Wahed because their ETF is just poorly managed, and not to mention its owner (i-VCAP which is under ValueCap) will close down in Sept 2020.

Best case means they sell off the ETFs, regardless whether its green or red and give back money to you.

I prefer stashaway over wahed due to the choice of ETFs. See previous pages where few other forumers and I pointing out their insane bid ask spread and dislocation of price from NAV. These are huge red flags to stay away frkm Wahed and MyETF.

I wish I'm.
I received that in email.
You guys didn't receive it?

Hi newbie here.  Just opened the Wahed account 1 week ago. Is now the right time to dump in more deposit?