stock market

if u invest is SA, if u get charge monthly even u did not untung

u buy stock like topglov, will it charge u monthly fee?

if u buy SA, will it charge u monthly fee?

unittrust managed by professional why they no charge monthly fee while SA charge monthly fee?

1) Time in the market > Timing the market. As last year's Covid-19 dip and recent surge in profits from KWEB proved, it's not really possible to time the market accurately unless you can see the future. However the irrefutable truth is that every day you delay putting investments in order to wait for a dip is losing a day where your money can work for you.

2) Lump sum vs ringgit/dollar cost averaging (splitting the whole sum over several payments) is mostly a question of your ability to withstand volatility and how secure you feel about investing a large sum knowing that it might lose value in short term. If you're the kind that feels uneasy about giving a lump sum to the point you lose sleep and you get anxiety, then DCA. If you have a heart of steel and aren't afraid of short term losses because you're aiming for long term profits, then lump sum on average usually profits more than DCA.

note: setting aside part of your monthly income to invest monthly is not DCA, DCA is for those who already have a sum of cash on hand but split up payments.

Dear sifus,

I'm not sure if there is already this discussion on the 2.4% of Stashaway Simple:

Is that exact the same as an FD of 2.4%?

What i work out is only about 1.8% but I'm not sure if i use the right formula:

Since I've only deposited one time, here's the formula i use

(Total Return/Net deposits) / (number days since making deposit) x 360 days

Thanks!

Agree. Choose right time to deposit is better.

One month got 30 days, for sure got at least a few days
is better than the rest.

Go read up when is generally the best time of the month to buy stocks, article says middle of the mth. As prices of stocks tend to go down a bit that time.
Stock market more active in the early of the day and near end of trading hours.. Those can influence price also. Can read that up.

US stocks tank semua  die together..SA follow same.....>15% loss