The strengthening ringgit brings both positive & negative impact for the people 😊

convert more back to ringgit
or
convert more out of ringgit?

What did you end up doing with the ringgit after converting it? That's been a bit of a dilemma for me for quite a few years now…

Now that you mentioned it ... myr has already strengthened almost 9% this year. Anyone holding usd denom assets suffered a translation hit (less against AUD or SGD, maybe around 5%).
my only saving grace is that overseas equities have been performing well… though it still stings to see the stronger ringgit shave off a good chunk of returns.
if someone had bought usd/aud/sgd bonds, the myr rebound could easily eat up the yield... unless, of course, those yields compressed and the bond prices had mtm gains.

So the old question resurface again for the original headache... should we convert back to ringgit now? and then what to do with the ringgit after that? EPF topup isn't an option anymore.... headache...

you do know Trump 2nd term agenda right?