Market timing obviously can get you the best returns...but DO YOU KNOW THE MARKETS well enough to time your entry and exits? 99% of the people in the world do not have the required knowledge to time markets. The 1% that do have the knowledge...even for them timing markets can be a hit or a miss. Timing markets means you must be selling when everyone is buying (euphoria peak period) and buy when everyone is selling (through depressed period). All this is EASIER said than done. The lowyat forums do not have people that can time markets well in general.

For 99% of the people the best strategy is consistently putting in RMXXX every month regardless of the market condition. This way you get the best average long term geometric return.