No need time the market.
I can both enjoy up and down by allocating 55% TMF and 45% UPRO
Market up or down I also earn

u play what risk level

u mean weekly u depo 500 to 26% and 500 to 36%?

its a good price point exit

now u sell all?

Does it mean that SA simple losing money?



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jompay 7am transact
what time $ will reach stashh?

if receive by 2pm, the fund will be invested on same day?

there have been great discussion over Monthly DCA vs Weekly DCA.

(If you agree with me, please save and share this post to anyone asking whether they should monthly DCA or weekly DCA.)

I have decided to create a simulation using Excel with the following configuration:
- Annual investment: $12000
- Investment Period: 10 years (01 Jan 2021 to 31 Dec 2030)
- The daily unit price changes: Random between 5% to -4.7%

Based on the above,
Monthly DCA amount: $12000 / 12mth = $1000
4x DCA per mth amount: $12000 / 12mth / 4 deposits = $250
Weekly DCA amount: $12000 / (365.25 days / 7 days) = $230.136986
Annually DCA amount: $12000


==
For monthly Investment, I plotted a table, to compare the returns if I invest in every 1st of the month, 2nd of the month, 3rd of the month, ... , all the way to 28 of the month.
- 1st of every month
- 2nd of every month
- 3rd of every month
- ..
- 28th of every month

(I didn't go up to 29, 30 and 31 of every month, because not every month also have the date. And I think 28 days is more than enough for this experiment)

Then review the investment return by calculating the unit obtains x the unit price as of 31 Dec 2030.

So, I have 28 results for me to compare what is the different if I invest in any day of the month

==
For 4x DCA per mth, I chosen the following combination dates:
- 1, 8, 15, 22
- 2, 9, 16, 23
- 3, 10, 17, 24
- 4, 11, 18, 25
- 5, 12, 19, 26
- 6, 13, 20, 27
- 7, 14, 21, 28

So, I have 7 set of results to compare.

==
For weekly is easy, I simulate if I deposit on every:
- Sunday
- Monday
- Tuesday
- ...
- Saturday

I also have 7 set of results to compare

==
For Annually, I didn't want to create 365 sets of result, so I only invested on every 1st of each month
- 1st Jan
- 1st Feb
- 1st Mar
- ...
- 1st Dec

So, I have 12 returns to compare

==
BONUS!!

I also simulated daily DCA! Yes, daily!
Daily DCA amount: $12000 / 365.25 days = $32.85421

========================

P/S and conclusions:
- of course, this is just a simple simulation, it does not take in all variables in the real life stock market
- The results are also predictable and expected:
-- Since I have fixed observation date (31 Dec 2030), the earlier I invest will get more time for the power of compounding
-- weekly DCA does not guarantee better returns. It is only means your DCA is more average than monthly DCA.
-- the daily DCA returns is lower than average of other DCA frequency due to the same reason, many of the deposits doesn't have enough time for the power of compounding
-- conclusion, it doesn't really matter if we are DCA daily, weekly or monthly.
-- The more frequent you deposit, doesn't guarantee the better returns; it is means your dollar cost averaging is more averaging than others.
-- for investment in stashaway, time in market is better than time the market. So, just monthly/weekly/daily DCA as you wish.

Is stashaway going to add bitcoin to our portfolio?



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how old r ur father

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?

Anyone realized for Jan 2021 statement, whole "fee calculations" part went missing?

Hi Grummpy,

I wanted to check in and make sure you know about one of the ways you can unlock free investing with StashAway.

Did you know that for each friend you refer, you and your friend get up to RM30,000 managed for free for 6 months? And, you can refer as many friends as you want. One of our customers has even referred StashAway to 255 friends!
Refer a Friend
Here’s how it works:
To get free investing, share your unique referral link through the button above. Once your friend makes a deposit (of any amount) within 30 days, you both get RM30,000 managed for free for 6 months.

There’s no limit for how many friends you can refer at any one time. So, if you refer two friends, you’ll get RM60,000 managed for free for 6 months. Referring three friends? RM90,000. I probably shouldn’t be telling you this, but you could have free investing all the time if you refer enough people regularly enough!

Yours in investing,
Michele
Co-Founder and CEO

what is the SA and affin enchaned deposite return for the YTD? How much different?

How accurate ur spread sheet?

where to download ur spread sheet to test drive?

u invest 1 time only at month end?