Last few deposits I did at abt noon.... The next day at abt noon sa will email me to confirm receipt of funds

it is "relative" ....

i assumed your ASN is FP funds...
unknown to what the SRI level you selected ...

going from FP to SA could have significant emotional impact to consider especially one had been used to the comfort of getting abt 5% pa without having the "feeling" on how the markets moved.....

200K at 5% = 10 000 (had been happy)
200k at 4% = 8 000 (now feel ASN returners are super low now so looking at other alternative)
variance of 2000

70% in SA, 30% in ASN FP
140K in SA, 60k in ASN FP
60K @ 4% = 2400
140k @ 5.5% = 7700

just targeting SRI level that has 'potential" of constantly generating a 6.6% ROI would be good enough

good for you...
i had just joined the train last month.
hope that the growth can sustain.

and wish that it will not end up behaving like this trend......


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i myself,...may not suits you....

i do lumpsum.....
for i had 'emotionally experienced' few times of big markets corrections.....
for when i entered it, i know that the markets had just corrected > 15% from it peak (even though it is still alot higher from many years ago)
for i am a positive believer of the current markets situation,
for that money is not the money that i wanna touch for some years
for i had no better place to put the money to slowly do DCA from it
for that money that i put lumpsum is just some % of my net worth
for i don't know how much to "split" into initial deposits, DCA amount and the number of deposits to do so as to gives me "better" investment benefits over lumpsum

how do you see the markets now?
still high or low or stagnant with chances of more downsides?

how much emotional experience do you have on mkts corrections? what have you done previously when market corrected?
did you exit to protect your investment from further losses?

if you are NOT sure....then better DCA.....
at what amount and at what interval is up to you to decide

else if got time try read these?
https://www.google.com/search?q=to+lump+sum...iw=1920&bih=969

Direct or Nominee CDS Account?
beginner, Stock investment
https://malaysiayounginvestor.blogspot.com/...cdsaccount.html

alamak, i thought he asked about why no nominee a/c for CDS...

if it can continue to gives me "better" than expected roi that are on par with other similar platform...i would continue.....

This post has been edited by yklooi: May 8 2021, 12:57 PM


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i would go for the "can see" things like more units...as the FOREX direction at the end is still unknown

Just asking, within this 1or 2 yrs, will you be comparing the ROI of the money transferred to SA with the ROI of the money "if" still in epf?
What would you do if the returns SA is less than in epf?

Yes. I think so too.
As my fund to them through Jompay take abt 24 hours for them to confirm SA received the money.... Before they can starts the process as mentioned by you

How long do you want to put in simple?
How much do you want to put in simple?
What is the rate variance between simple n the "better" others?

If only 10k, if only for a month, if the variance is only 0.25%pa.....it is just abt rm2 variance a month....
Not sure abt others, but for me... I don't care much abt this rm2 a month, as long as it suit my shiok, simple, ease n quick of use

depends on individual...

My guess n bet is "can" still get it

maybe this extended clarification helps

A does not put money in Simple....A already put money in (example) 36% SRI

A refer B. B put money in simple.

A get another 6 months free or not?

45 days since invest to this day...that would be Mid Mar you start...
if only you had just started 30 days earlier...that would be Mid Feb......things would be much negatively different.

looks like the ATH was Mid Feb....if you had bought it in Mid Feb....you would have gotten at the peak

At times.....

time of entry, holding period and the expectation of returns and time frame of measurement do play a part.....




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you just have to test it out and tell