QUOTE(adele123 @ Sep 2 2016, 12:13 PM)
it was after you posted on rushing to make the deadline that makes me provided the kind reminder. Because it seems to me you lump sum because of this discount. feels like nobody said anything about topping up when it was down and under, and everybody decided to top up due to the sales, and IMO market rallied, and should have top up earlier. though again we are not to time the market.
it is exactly because we can't time the market, we should be more objective during FSM sales. i'm not saying don't top up. don't regret if things go south.
FSM sales, yes, i'll take an extra look, but if i don't think it's time to invest/regular top up, then i don't lo.

Time to top up is subjective among investors, and also the choice of funds. Some funds may see its low and some are not. Everyone makes their own judgement differently based on the risk tolerance and financial conditions.
QUOTE(adele123 @ Sep 2 2016, 12:13 PM)
feels like nobody said anything about topping up when it was down and under, and everybody decided to top up due to the sales, and IMO market rallied, and should have top up earlier. though again we are not to time the market.
the frequent contributors in this thread always mention how much they top up on that particular days. Especially those using averaging strategy, top up every month after pay days. Be it sunny days or rainy days.