erm, i do DCA as well monthly 2k into fsm, but i will separate it into 1k each time, buy when only asia/ msia market or the market where my fund is touching drop.. if the whole month no drop or promo, then normally last few day i will all in. no right or wrong, but i hope i can have slightly better return in long run.

Still DCA but with some shiok sendiri flavour.... whatever float your boat, whatever float your boat my friend! 

ya ya...jus like some ppl believe feng sui . syiok sendiri pon.

Esther bond anytime is fine to buy, it's VERY stable 
In hindsight, 6 months ago was the best time to buy, so I won't put all the funds in at one time now. Maybe set a RSP to put in slowly for the equity funds; in the meantime you can just keep the funds in CMF, it earns about 3.3% interest per annum. Some would argue REITs fund is good too; and india...

In terms of composition you can take a look at FSM's recommended portfolio

I don't switch regularly. I'm the type who just park there and unless the fund really underperform against its peers otherwise I'd just top up accordingly to meet my desired portfolio allocation. I do try to use credit ninja trick, but the credit just stays there and I hardly utilise them.

Unless if you keep switching; otherwise the sales charge of every dollar you invest in FSM MY shd hardly exceed 2%; with the assumption that you have some bond fund exposure and sometimes your purchase coincide with sales charge discount and you manage to get some tier discount knowing how much you invest in FSM SG 

pls allow me to ask one off topic question to sifu:

how u guy make that shortcut (in excel) as i point in the pic

pls allow me to ask one off topic question to sifu:

how u guy make that shortcut (in excel) as i point in the pic

That is not shortcut I think.
It is grouping the rows.

Select all the white row > Click Data > Group > Group... > Row > Ok
After that, reselect the white row + the grey row > Click Data > Group > Group... > Row > Ok

Anyone can share why Anita fund not available to purchase?

Select all the white row > Click Data > Group > Group... > Row > Ok
After that, reselect the white row + the grey row > Click Data > Group > Group... > Row > Ok

When I try to copy + insert new rows of data according to the instructions...the grouping all messed up...I have to re-group every single one of them...is this normal?

Follow the instructions in the excel file.
You have to click carefully or all will mess up.

Maybe you didn't read my post above.
Try read it again, carefully.

recent bull run still on-going. lol. didnt expect asian markets to fare so well this year after the US trump thing and interest hike?

Cause the fed stuck with their 3x hike for this year. Had the feds said they want to increase it to 4x for this year or increase >0.25%, the asian market would have tank.

Cause the fed stuck with their 3x hike for this year. Had the feds said they want to increase it to 4x for this year or increase >0.25%, the asian market would have tank.

Good for us investors then

Hey guys, sorry for the rookie question but I was wondering if the sales charge (2%) applies on subsequent purchase of units (like when RM100 is put in every month after initial investment using DCA method)? Thanks