<a href='https://pictr.com/images/2019/12/14/5bZn66.md.jpg' target='_blank'>https://pictr.com/images/2019/12/14/5bZn66.md.jpg </a>

no worry, it is on the way..

it takes maximum 30 business day..

My anecdotes from soaking in most robo threads, the general sentiment seems to be negative: (Possibly biased, though!)

https://forum.lowyat.net/index.php?act=Sear..._type=posts&hl=

Personally I am currently going through the account closing process with Wahed this week.

To me, I dislike that a lot of my money is going into sukuk, malaysian stock, and foreign investment is too US centric, and basically miss out all the EM stuff/China, not to mention HLAL seems to have peaked and Wahed has shown no intention to adjust their offerings... so I'm out. As someone that doesn't need to be Shariah-compliant, I don't see a reason to stay in.

Closing is completely optional, since Wahed has no fixed cost with no balance - I am just closing it so that its not possible for me to register here again, just in case I feel tempted to come back when I see someone post good returns, despite my due diligence has told me otherwise. hahaha.

I am personally committing to Stashaway - its my decision to commit there that I withdrew from MyTheo & Wahed. Their methods are more aligned with what I like and service/user experience is great.

Registration, deposit/withdrawal is very straight forward, but depending on your financial situation, you may not have access to Risk level above 22%. (It goes up to 36%)
https://www.stashaway.my/faq/115007036867-h...o-risk-settings

In this case, you may want to contact them via WhatsApp, watch a few video, and get approval to higher risk, or take the SGX tutorial and exam. I did the latter but I recommend the former.

Also make sure you answer "correctly" for domestic ringgit borrowing. If you have more than 2 or more bank loans, Stashaway is legally not allowed to let you register, but I'm just saying no one checks what you declare properly...
https://www.stashaway.my/faq/900000198566-w...t-borrowing-drb

If you have a friend who uses SA, you should probably get a referral code from him/her so both of you get discount on fees for a few month. (up to RM30k for free for 6 months)

Further discussion should probably be done over at the SA thread.

Unless HLAL ETF is dropping to 27.70 then the is time to reenergise

CUrrently at 34 forget about it