Well the article mentions mostly DCAing into non-performing stocks (which is always a bad idea) and DCA vs Lump sump (timing the market). Not really a good indicator that DCAing is bad. Correct me if I am wrong.

Well majority of my assets are invested in US market so US stock market would definitely affect it. No harm in following the stock markets right

Based on the asset categories;

US Equities : 45%
International Equities: 18.5%
Gov Bonds: 20.50%
Commodities (Gold): 15%
USD: 1%

Risk: 22%

Big chunk is tracking US markets. So definitely it affects my portfolio.

No one. lol. even billionaires cannot time the market.

Did they share the 2018 performance in 2019?

Obviously. No significant issues for the past two years. and this year? you got covid, you got covid everyone got covid. *insert oprah meme*

We want MYR to go stronger against USD so we can buy more shares per MYR.

Hello everyone. let say if you have 1000. Would it be better to DCA every month once (RM1000), every two weeks (RM500x2), or every week (RM250x4)?

What's your DCA strategy? How many percent of your monthly earning goes to Investments?

Guys look at the rich boi here. lol

I am planning to continue DCA same amount each week/month but the cheap prices are making me crazy lol

Yeap. oil prices damn cheap now. LOL

Im interested in XLK but my 22% risk portfolio doesnt have that.

This post has been edited by stormseeker92: Mar 31 2020, 04:11 PM

It would be wonderful if we can customize our own stocks and allocation or at least remove and add 1/2 ETFs we want and don't want.

DCA is the way to go since nobody can time the market. But for me I'll pump a bit extra when the stock is quite cheap now. When it recovers will continue DCA fixed amount. Plan to stay for 3-5 years.

Damn rich boi. My total investment is only RM2.5k so far lol

Investment is preferably using money you can afford to lose. If you dont have cash to support your daily lives, then stop. If you have more than enough, this time is a good time to buy I guess..

This post has been edited by stormseeker92: Apr 1 2020, 03:41 PM

I already have a 6months contingency savings put aside for now.

How much of my disposable money would you suggest me to put in savings and SA? 1:1? or 1:2 or all in investment?

I don't really worry about the next 6 months since I already have enough to get by plus my monthly income.

True but make sure you have at least 6 months savings first, so you dont choke if your investment go south.

We just discussed this a few days back. actually Stashaway has a trustee account with Saxo Capital Markets. So if they go under, our money stays with the trustee and there should be some arrangement for them to sell our stocks and return back the money to us. Stashaway cant touch our money in the trustee account.

Correct me if I'm wrong.

DCA is the opposite of timing the market. If you dont follow the market news closely, hence you will not know when the market is in the tough spot (timing the market), so DCA erases the need to time the market by separating the time you purchase the stocks regardless of price which in the end averages out the price when you bought during low or high prices.

Lump sump is good if you are confident that the market is at it's low that if you go all in you can still make money.

Anyways, either one is a good strategy but if you dont know when is the best time to buy, DCA is the way.

Those who are easily spooked into panic selling is the ones who always loses money imho. Didn't take advantage of dividend and also didnt let the investment grow.