I think I will make decision less frequently, in months, not in days. But you are right, it will still be sort of doing the timing thing, lol

"I believed most UT consultant would like you to invest in one lump sum so that they can earned the commission earlier.
this I think, the UT consultants would prefer DCA over LSI.....for they would prefer to have a more constant and predictable regular income from sales charges's commission"

The thing with Vanguard is that they don't charge commission and their expense ratio is the lowest in the industry.

You won't be able to invest in Vanguard from Malaysia unless you are willing to pay higher brokerage fees + maintenance fees + dividend fees which defeat the purpose of investing in ETFs (I am assuming you are going to invest in ETF since you mentioned Vanguard)

Only way is
1) open a US/UK brokerage

To get zero commission for UT, can consider POEMS SG. Really zero commission. Of course fees cannot beat ETF fees. But if the fund can continue beating the index after net fees, ETF is useless here.

This post has been edited by Ramjade: Nov 19 2017, 10:31 PM

No, I was just speaking to the comment that Vanguard (based on the research in the link I posted) was biased because of the intimation that they charge commission. They don't.

This post has been edited by estherkon: Nov 19 2017, 10:40 PM