Since Nov 2017, Lump Sum investment

DIY portfolio: -6.06%
Managed portfolio: -4.2%
PRS: -6.1%

so sick to my portfolio....

probably will go "DCA" yearly...

Impressive Profit, unlike mine, all red

I think what he shown is the distribution ratio, not return...

Oh, izzit?

Sort of Not really heart goes weak, but downtrend is too long and DCA-ing in full is increasing daily loss.
So, going to DCA twice less, and remaining money will go to CMF, once volatility calms down and there will
be some signs of consistent uptrend, i will use CMF-accumulated resource to top-up UT holdings.
--
I know it might be not a perfect/optimal tactics for now, but safer one for sure.

This post has been edited by ROSS_Solar: Jul 10 2018, 12:09 PM

You guys know right buying when market is rising = buying when market is becoming expensive.

However, it's also wise to conserve ammo. Set yourself a target. If it fall by x% then you topup.

Well, market is rising is not the same as market starts recovery.
Same like buying low is not the same as catching the falling knife.

One has to decide for himself But sure it should not scare you off investing neither should it stop you saving/planning properly

Looking back at your posts and conversations, may I ask what's your saving or investment plan? Seems to me, you are confusing DCA with whatever investment plan you had in mind.

A true DCA saving/investment plan is a plan that ignores the market sentiment. No matter how the market is - whether on a downtrend or uptrend, performing well last month or not, losing money last week or not, the plan sets the emotions aside... and regularly make the purchases (or "top up" which is the more popular phrase in this forum) in almost the same amount everytime.

And no, it is not DCA if the investor splits the lump sum investment to cover several months of the market trend. As you have known, since you started your UT investment last year, the market trend was up for nearly a year. The market trend could be continuously going down for a year or more. It could also have hit the bottom last week, and is currently performing a U-turn for the next 6 months.

So which direction will the market goes in the next 6 months? Your opinion is as good as any "experts" out there. We decide, we take the risk... after all it is our money.

Some like to speculate, as the returns will be better and bigger if they get it right. Some don't know how to speculate and don't want to speculate... this is where having a DCA plan helps to keep a steady investment in their UT funds or portfolio.

And more importantly, the steady regular DCA purchases helps to grow the savings. Otherwise how would he/she builds a retirement fund of several hundreds thousand or a couple of millions to generate a passive retirement income?

So it really boils down to what is the financial objective. Before setting a plan to reach the objective, the objective must be clear and defined first.

Cheers.

=========

Last week was another bad week... like 2 or 3 bads weeks in a row... but yesterday.s market performance plus today's could easily erase last week's losses. Too much TV watching world cup... missed the opportunity to switch more to equities... but then again portfolio is at 90% equity...



This post has been edited by j.passing.by: Jul 10 2018, 02:58 PM

After weeks of falling finally some signs of picking up. Hopefully things are stablised in coming weeks

Topped up all different funds too early





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Trump will find a way to screw things up

Yes, I know what DCA is. Just its easier to use this acronym vs "I top up my unit trust holdings each x weeks according to my investment plan [.. details ..]
As for when I started... My UT portfolio at FSM is 8years old already, i guess. And sure thing I'm not rushing anywhere, some trial & error approach is fine with me
No one really knows. As I said, everyone to decide for himself

i really confuse with all the statement about DCA this few days.
too many comments and too many opinions.


even if someone is practicing DCA in proven fund for more than 5 years (eg. Kenanga, CIMB Dali...), its not wrong to topup your investment when market is down. It sure will rise again surpassing the current NAV. Please correct me if i am wrong?

DCA eh? what kind of DCA practitioner or follower are you?

"Basic" Dollar Cost Averaging (a set amount is invested every month, regardless of market performance)

Value Dollar Cost Averaging (more money is invested following a month with negative market returns; less following a month with positive returns)

Momentum Dollar Cost Averaging (more money is invested following a month of positive market returns; less following a month with negative returns)


got these terms and its definition from...

https://www.forbes.com/sites/greggfisher/20...e/#5c707c55aaee

This post has been edited by MUM: Jul 11 2018, 09:07 AM

DCA is simple. You topup when every month without regardless if market condition.

The modified version which one can use is
Topup lesser when market is up. Why do you want to topup more when market is expensive? Then use the amount you save to topup more when market is down.

Market down is good time to topup more rather than when market going up.

For me, I don't topup when market is going up and up. Again why should I topup? So that FOMO? No thank you. Opportunity is comes. When market start going down, that's when I start to look and see if topup is worth it. If just fall 1-2%, just let it go. Again I said I look. Not topup. I set myself a range when I will start topping g up.

tbh, you guys made DCA sounded like a cult

yes, true. this is what i understand. thats why i see only your post and few others are relevant. others is sounds too confusing.
for my portfolio is drop 12%, thats why i pumped in another bullet this week. within 3 days it went up again 2%..

yes, true .. why people make argument of "mine one is DCA enuf and yours are not fulfill DCA concept", "mine is undisturbed DCA", "DCA this", "DCA that", etc... bla3...
this is not a religion...
it makes people confuse especially for newcomers that read this later on.

This post has been edited by suadrif: Jul 11 2018, 09:35 AM

DCA according to market nice. esp like now. normal year just DCA lo. trade war... election.... so many factor for me not to lose money.

This post has been edited by [Ancient]-XinG-: Jul 11 2018, 10:27 AM

More tariffs from Trump!
Roller coaster ride!

http://www.abc.net.au/news/2018-07-11/trum...tariffs/9979180

Trump...oh Trump...

Is KGF still the popular fund to buy? Or it glory days are over?