I seldom participate in poll because it may lead to "misleading' assumption.
I had to join in here not as a voter but to try to provide some insights to counter some assumed by me to be misleading info given or to be given......

Can You Time the Market?
https://www.fundsupermart.com.my/main/resea...the-market--431

for tips on when to decide to buy?
https://www.fundsupermart.com.my/main/resea...it-Trusts--1592

When To Take Profits?
https://secure.fundsupermart.com/main/artic...e-Profits--1783

What To Do If Certain Markets Are Getting Expensive?
https://secure.fundsupermart.com/main/resea...SJBlog_20150402

After you had bought it...hold forever?
What Is Rebalancing?
https://secure.fundsupermart.com/main/resea...?articleNo=2215

Clearing Your Doubts On Rebalancing
https://www.fundsupermart.com.my/main/resea...ebalancing-1980

The Nature of the Game – Rebalancing
https://secure.fundsupermart.com/main/resea...?articleNo=9053

don't read too much, hesitate and procrastinate too much.....
Start your investing early, start your investing now
https://secure.fundsupermart.com/main/resea...SJBlog_20150204

"The most important advice I would give to anyone who hasn't started (be it man or woman) and is being held back is to starting investing now, but use a small amount.
Something you are comfortable with even if you suffer losses. It can be as little as one thousand dollars because that is usually all you need to start investing into a unit trust.
Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash.
The key thing is you have to accumulate investing experience.
No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest.
You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times. And learning from mistakes made is the greatest teacher".
https://secure.fundsupermart.com/main/resea...SJBlog_20141031

when opportunity comes like....
Adding into Markets When Bad News Abound
https://secure.fundsupermart.com/main/resea...SJBlog_20140307

more on google....

happy reading and investing.....and if you find that the info to be read, understand and practice are too cumbersome, time consuming, etc, etc......
then can try this......
FSM Managed Portfolios
https://www.fundsupermart.com.my/fsm/manage...fo/introduction

Why You Should Consider FSM Managed Portfolios?
https://www.fundsupermart.com.my/main/resea...ortfolios--8394

Disclaimer:
This post does not constitute an investment recommendation. No person should rely on the content and/or act on the basis of any matter contained in this post without obtaining specific professional advice.
Investment involves risk. The NAV price of a fund may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment. Past performance is not necessarily indicative of the future or likely performance of the fund. Investors should read the relevant fund's prospectus for details before making any investment decision. An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position.

This post has been edited by T231H: Dec 30 2017, 08:44 AM

"Most ppl loss money in UT because they invest in one lump sum"...not 100% correct....(read the attachment for a sample of collected data for a certain 10 year period)

Neither Is 'Better' Than The Other
In all fairness, nobody can say for certain whether Lump Sum Investment (LSI) or DCA is the better investment method. The reason is that adopting both methods in a different period would give different results depending on the prevailing market conditions.
For example, if you made a lump sum investment right when the FBM KLCI bottomed out in end March 2009, there's no way that the DCA method could give you better annualised returns.

DCA Takes Care Of The Timing and takes away the emotional hesitation.....
By providing a disciplined approach that ensures that you buy more when it's cheap and less when it's expensive, DCA ensures that you do not need to worry about catching the market's high or low points. I'm not really big on investors timing the market, unless they have a crystal ball.

When the markets are going up, you still profit by using DCA, albeit to a lesser extent compared to LSI. When they're headed down, you're better off than lump sum investors. Either way, you do not lose out by starting your Regular Investment Plan....just do the regularly for a potential better retirement.



This post has been edited by T231H: Nov 17 2017, 09:27 AM


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