QUOTE(MYstombox @ Dec 21 2011, 12:14 PM)
No problems with stock, bond, FD and REIT.
I have been studying these 4 for quite a while.
But what UT should I be looking at?
I don't like the idea of some bank UT where every month I need to commit a certain amount to it.
Not sure if the UT scheme from banks have changed, but if its a monthly commitment, I rather not put into UT.
And for stocks, @ 30% and REIT @ 20%, but this is assuming I am using the money.
What if like now, where stocks are not really a good buy, what do I do with the cash on hand?
Do I just place them in my savings a/c?
its up to u to make lump sum (VCA) or commited to monthly/regular investment (DCA) in UT. The main reason for monthly investment is to reduce risk and at the same time to get better average unit price without worry abt market trend.
if u active monitor the market, u can forget abt the regular investment. the regular investment recomended for those passive investor, who normaly not follow the market trend.
buy cheap sell high for profit. so, u need to wait for correct time to enter. its can be today, tommorow, next month or next year. if u can wait, than u can wait. or, u hv option regular investment. even if u commit monthly, u can stop it any time. no side affect.
u can apply VCA and DCA method for both stock and UT.
ya, u just leave the cash in bank before enter to any market.