Yeah personally my thinking is more aligned to DCA and like you, for peace of mind cos I don't have so much money and so far I've always tended to start investing when the market is quite high (though I did try to top-up a bit more when it dips). And also yeah for peace of mind.

It's just interesting for me to see the aggressive mindset of the Europeans. Or maybe it's just a small subset since it's a group of people who are really keen on personal finance and investing. I would like to start investing there, and I've no idea how since I don't speak the local language well that's why I'm trying to browse the reddit to learn a bit.

lump sum always wins in bull market and in long term as well.

But keeping some cash for dips is a good strategy too....so maybe 90/10?

In a way if you have fully invested, ie near to 90% of your investible monies, you think you are dca'ing when your monthly income is deducted and kept away. But as matter of fact it is lump sum.

What i feeling is, DCA feeling like forcing you squeeze some fund for saving
and learn discipline to not cash out
Now i feel it's a good habit to learn

For robo I choose to DCA.
If lump sum to time the market can invest in stock market directly.
Just my opinion.

I don't know what went wrong or it is normal: SAMY keep buying GLD for me, in both my risk 36% & 22%.
My GLD weigtage now is 16.47% for R36% and 19.66% for R22%. But SAMY keep buying GLD in my current weekly DCA...
Is Gold cheap now? Or SAMY see what we cannot see: the Gold price will sky rocket soon?
Perhaps my understanding of GLD in this etf is totally wrong.....
Puzzle puzzle puzzle

This post has been edited by tbgreen: Jan 19 2021, 11:37 PM

Prob buying GLD to make your 36% SRI GLD allocation up to 20%

Higher allocation of GLD is not my most desired wish.....
I feel the rest of u now.....

sky rocket maybe not.

Gold is at the support price, correction should be almost done and will rebound soon. Gold rallied for 3 years after the 2008 market crash, if history repeats itself we should see Gold to continue to go up this year. I wouldn't worry about it.

To match the allocation

How do you know the correction for gold is almost done?

to make up to the TARGET weightage of 20%, thats it

US M2 money stock is still increasing, gold price tracks M2 per capita for most of the time.

Lyn Alden reasons to buy gold

Gold goes up means stocks go down? LMAO

The 200 day EMA has been acting as a strong support for the past 2 years. At one glance it seems the price is consolidating at this area and getting ready to retest $1960 for the third time.

But looking further at the weekly chart, it seems like it has formed a very nice Cup pattern and *if* it is forming the Handle now then it might go down to $1700+ range. IMO, it is a Bullish sign for Gold in terms of TA.

Why are you laughing, may I ask?

Its generally accepted that gold and stocks are low correlation or even negative correlation assets.

I assume you know how the risk index works right??

Joking only sorry. If im not mistaken it's well know that if Gold rises stocks value goes down (correct me if I am wrong).

Just that GLD is a cushion for us if stock prices goes down, and in a way it also limit maximum potential of profit.

Having GLD is not a bad thing actually, just sharing my opinion.

How do you DCA daily?

GLD basically at 20% high risk allocation just a hedge to Equities in order to support any rebound in sight when the correction happens based on ERAA strategy

GLD rises means that value of the money decreases and inflation is happening soon but for near term unlikely for now due to damp growth situation because unlikely to rise within 2% in US until 2022 which curtailed by unlikely higher taxes due to US Midterm which likely to see some Biden’s policies being smothered

Don’t worry too much about 36% for those invested early this year during the 1st week as already more than 2% this month only beating FD this year without doing anything and take profit at the right time when the ringgit is weaker

Still got 11 more months to go if anything shows 36% risks will be likely at 16% gain for this year and on bullish market will hit 24% or more

Not necessarily. Gold goes up when there is low confidence in the currency.

If they keep printing money, USD lose value. Debts are easily repaid by government and corporations, but worthless. Stocks will do OK or better because debts are being paid off and there are more cash slushing around.

Just because your return on USD is high, doesn't mean your purchasing power has increased, it can just mean financial assets are depreciating in general against actual inflation.

This post has been edited by honsiong: Jan 20 2021, 03:26 PM