why u dump all in ? u should put in weekly or monthly with small amount.
U need to do DCA. else if market dropped, u sure lost.

But we don't know when will be the bottom ...

What risk level? What if I told you it will eventually go up but you'd have to wait 6 months, what would you do?

No la. The beauty of DCA is that it minimizes the risk of losses but to maximize your profit, the best way is to invest lump sum.

I believe the earlier posts in this thread has highlighted this before. You gain most when you put in lump sum.

But not sure if it works the same for bear market. Better do due diligence.

for a complete noob in investing, u have a lot of courage to lump sum 20k. lol

changing the risk level say from 36 to 30 or lower will take how many days to complete?

New to StashAway. Any idea if I should deposit lump sum RM12k or spread it twelve months of RM1k?

The market looks very attractive at the moment but nobody knows how low can it go. I would suggest if you cash other than that 12k, use that future cash to dca and put lump 12k now. Ringgit not gonna get any stronger against usd.

good time to adjust risk..

No, lowering the risk means realizing whatever losses, unless you damn sure its gonna plummet more.

I think it depends on the scenario?

since we previously discussed, if u are adjusting your risk when u are making loss/profit on certain portfolio, it is REALIZING the profit/loss. [correct me if i am wrong]

E.g. you invest 3000 in portfolio A with 36%, you are making loss of 1000, you adjust it to lower, I think what SA does it, they will sell your portfolio A, REALIZING the loss, and make use of your remaining 2000 (assumed it is intermediate), to invest in your new adjusted portfolio A2

so back to your question, I think it depends on:

1) adjust on the same existing portfolio A to A2: -> you don't want the existing portfolio A and want to totally move(/adjust) to another portfolio A2 by realizing the portfolio A's P/L

2) make separate portfolio B: ->you wan't to hold the existing portfolio A yet diversify your funding to another portfolio B

my SA already negative from positive. but wahed doing great !

Always positive.
The lowest I saw or remembered was +4.xx%

are you basing on usd or myr?

At this time, if you can't handle the drop, please do not open SA. 

No doubt gst was a good move but 6% is too deadly

Right now if they they don’t fixed our economy. Malaysia is worthless.

Any sifu here on 36% risk?

I'm still in the reds

The money returned will be placed where?