My experience has been similar too. DCA since 2020, MWR 63% in MYR terms, 70% in USD terms. General investing SRI30%

Dilemma is when to sell?

Yea.. continue DCA then?

Yes been using Simple for a while now. I’d say returns are as per projected if not slightly higher. My October month return including dividend entitlement and rebates total to c. 3.59% p.a.

Dividends typically paid out first half of the month.

MooMoo seems like a good option for ETFs? No fee and RSP also possible