haha is true I admit not all my strategies over the years have paid off. Around 2017 the AUD did go up and down a bit and when it went down to 0.75 US I thought was a pretty good time to buy, when it went lower to 0.72 I converted some unit trusts from HKD to AUD. With the benefit of hindsight now down to 0.67 I might have waited longer, but anyway who can tell. Still the money I sent to Aus 2 years ago has been saving 4% in interest there so claws back some of the losses.
Anyway, I've always tried to diversify my investing, when I borrrowed all these tax loans etc I sent some to AUD, but then others to Malaysia, others stay in HK to buy unit trusts, some other shares, etc. Last week I just refinanced and I have an extra HK$4m now to play around with, but I'm only sending some to Australia. Im actually buying some HKD stocks now and other things that will keep a HKD income for me in the future even if I move back and start earning AUD. Also plan to rent my property here which should cover most of my HKD expenses including tax loans etc which need to be paid back.