I used to to spend a lot of time thinking of whether lump sum or DCA was better.  Statistically there are quite a few papers on the web which show that lump sum gives a higher chance of a better return.  Most of them are based on the US stock market which on average has 3 good years for every one bad year.

I used to put lump sum but now I dollar cost average over 6 to 9 months.  I have realized it all comes down to regret management.  If you DCA in a falling market you lose less but make less in a rising market.  If you put in lump sum you lose more in a falling market but make more in a rising market.

So for me I decided I hate losing more then not making more so I DCA.  If you're like me you can perhaps spread he  initial 10k over the next 10 months.  Or if it is too much hassle and you want to go for the potential higher gain/loss put it in at once.

That my personal opinion but it's up to you which way you prefer

Ah, I see. Because I'd imagine if I was in my 60s I'd like to not worry about losing value because I am withdrawing for spending during bad times or just... have to hold back on withdrawal because it's down 50% for the next 4 years LOL

On the other hand switching the entire portfolio down to lower risk also feel not worth it....

Interested to know more perspective!

I have not much experience in stocks, wouldn't venture into those for now, thanks for listing them down.

What I'm trying to approach by having different RIs is to diversify long term returns in case one of the RIs suddenly pooped by market, lol...macam more like back-up plans.

Example, 36% is more aggressive approach to go more on retirement financial freedom, 8% is for retirement emergencies. If that makes sense.
Not trying to game it cuz SA is supposed to alleviate my worries by not monitoring, sorta, lol

Don't know if this thinking is right, I welcome feedbacks.

hi... i'm a newbie here, jut started investing SAMY less than 2 weeks ago

why my return is 4.09% in MYR.
when i change to USD, it's 2.40% ??

hi, may i know Stashaway really can make money?
any good example here?
how much to invest ? how much profit get back?

Something I'd like to share here. I have just used a promotion code BFM. It waives management fee of up to 100 K for the next 3 months.

What is ATH?
Yes, the matter of trusting SA is my main concern 

Anyone tried Wahed? How does it fair if comparing to Stashaway?

The robo part is only involved in the buying and selling of funds. The risk profile already pre set standard algorithm. SA was already successful before they introduced the China ETFs.

How are you liking SA since you're an early adopter? Has it been good for you, and may you share with us your goal investing into SA? Thanks in advance.

SA is also my 2nd best investment. First is crypto. The gain is crazy and I cannot imagine any investment can even get near my gain.

Thanks for sharing. Yes, I do intend to keep SA going for long term as well, an alternate investment vehicle. It feels alot easier to do recurring on this, probably cuz I've managed the expectations. Although, I do hope it doesn't do worse YoY in red. Even 5% also happy already, but certainly hope with the risks involved, it would do better.