On the other hand I have no regret with my lump sums, if any the regret is I should've bought more.

After I consider personal investment records, including many which are actually loss making, I think lump sum is still better. But believe me I was a student of DCA. And even today, I still practice it.

Ah ok... bro when you mean all-time high was it a market high or a USD forex high? Just wondering

No luck involved. I am not talking about accidentally lump suming during the dips.

Now if you do your homework right, as in select the right investments such as stashaway or a good stock or a good ETF, history has already proven that it rises over time. End of story.

Anytime you think it is all time high, get scared, fall back to DCA, only to prove yourself right in the first place(yes this is a good investment), yes it is rising, but then you maintain your DCA pace, you just buy less and less.

The only time DCA works better is when the market is actually going down, not up. In that case yes you get more, but it helps me not much to see that it is still actually going down. Again by the case of maths and probability of a good instrument which should generally be going up, this scenario should be way less in occurrence than the going up scenario, which you will profit more by lump sum and forget.

I dont beat myself up, I have almost not much in spare cash lying around.

But I will not shame anybody who stick to DCA.

These days, I highly doubt anyone who says "cash" means literal bank notes and/or coins. So yes you're right - FD is in fact "cash", added with the fact that you can easily do them online, so it's not like the past where you had to go to bank counters queue to place/withdraw. It's almost as liquid as your regular saving account, but with higher interest.

ah..no...i always have sufficient cash for 6 months in case no work, lying in my housing loan as prepayment.

whatever that amount is, I dont mind if I don't get significant returns from there. So if you don't have any housing loan I think either MMF(FSM CMF is a great example) or FD is fine.

After this minimal buffer, personally I have my investments which are split into buckets...so you have those long term (low risk like ASM,ASW,SSPN,PRS), medium term (SA, FSM), and equities (my DIY Peter lynch / Jack Bogle Portfolio). I have very small >10% of cash here, compared to all the other instruments like equitiy or debt or gold.

Sounded like lee82gx got a flexi loan which has a linked current account, so what they can do is put cash in that current account to reduce interest, then withdraw money from that account if needed.

It's actually a good option for emergency caah parking too

Yes, excess money in that account will generate savings for me at 3.0% p.a. Daily rest.
Bingo yes. But if you have say more than 1 housing loan, then you only need 1 flexi one. Don’t force all of them to be flexi, as usually there is a current account maintenance cost.

outlook -ve for msia. I think I give up predicting anything anymore. I'm only sure it is positive for long term.

I am a grandpa here and I have to bring out my story again

I started stashaway in August 2017, it was red for me throughout 2018, then I got -23% in December 2018.

Guess what I did? Hodl, DCA. Way up green now.

Kesian nya, see my portfolio value far above net deposits. All you need is hodl and DCA.

barely in the green. I am ok with pessimistic market behavior but the gov direction imposed in china which affected KWEB (private tutoring ban on profit, negative news on online game - tencent related, anti competition law, DiDi etc), that is something that I am worry about. In a bear market, I can always look forward to recovery, but a gov decision on how things should run? that's something different.

KWEB's ass getting whooped again.

-11%, not within expectation but still very much within tolerances. Not increasing monthly amount anymore and no longer doing extra lump-sum when market drops. Just gonna maintain this amount of DCA and ride it out.

Might consider fully withdrawing and exit Stashaway when I am net positive in a few years because I have not much use for Stashaway anymore.

I've been staring at it for a few years too, still not convinced it isn't a massive ponzi scheme built on top of proper future looking technology. When the bubble burst and the tech matures into what it's suppose to be, I'll put my full weight behind it.

This is what my current allocation looks like after exiting Bursa, Stashaway, Wahed, MyTheo and LUNO.

Hmm, a few things:

1. I don't want to stock pick.

2. I don't believe in dividend chasing (e.g. buying nothing but Maybank until the day I retire)

3. I don't want to trade in a market that is constantly and easily manipulated (IMO).

4. I don't want to trade in a market that has traded sideways for the past decade.

5. Bursa doesn't have the ETF I want to trade.

Couple in all that, on top of the fact that my trading cost somehow remains almost the same if not sometimes cheaper buying international stocks... I really don't see a reason to stay in Bursa at all. I consider touching Bursa my biggest stumble in my investing life so far.

I might be wrong, but I am happy to be corrected. I pretty much intended to exit Bursa the moment I felt confident in Stashaway even.

SRI 36% previously. Losing about 8% few months ago. 
Now grab the chance to withdraw after paper gain RM50.
Still seeking for better investment platform now...

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My personal observation is SA fund is quick to go down and slow to go back up, I'm not sure why. Around 40k over a year and I earned rm500 (I think).

I would just buy SPY periodically from now on, I just think it's better to follow US economy, and earn the average return.

If you're just keeping just for Stashaway Simple, I'd recommend Versa.

Much faster deposit and withdrawal, 1-2 days. With Simple I've seen deposit take up 3-4 days, and withdrawal up to a 1 week.

Versa will give you better compounded gains rather than SA simple because of its liquidity
Yeah Versa better for liquidity as MMF in the market 
Filter your portfolio under buy order as the price will be displayed there

For seniors in their 40s say if they wanna secure their retirement more, edging towards to 1m mark might not be a bad idea, say if they reach 1m early (maybe 50yo), they can the interest/1m extra balance out fund their kids buy house or something else.

Ops sorry.

I mean my managers and senior head mostly at age late 30s and into 40s.so I just say senior,didnt meant to say old.

Interesting. My portfolio only tanked 3% from the meltdown yesterday.

is stashaway your only investment platform?
Its pretty hard not to notice the dip lol

i'm at 36% but EWA KWEB XLE all dropped 4% thought my portfolio will be hit by that much too before i slept it was around 6% but seemed like it recovered later in the day
good for you. truly in the spirit of invest and forget

new covid variant discovered
what did  " guy " did until got banned ?