still better than FSM RSP. deduct on 11, process on 15, now havent reflect.

jompay to stashaway is much faster.

Hi,

been into SA for almost 5 months now.

using Jompay on every friday, then slowly add monday, wednesday and last2 thursday (currently top up 4 times per week)

36% risk,

portfolio up to 9.8% now

From 9% to 1.1% gain

But dont worry

DCA all the way babey

Dollar cost averaging since february

RM500 initial investment

Jompay RM50 x 3 weekly then increase to RM50 x 5 weekly

Two accounts. 36% and 30% index

Rebalance only for a short while (to 18% risk) during october then revert back (since im doing DCA, no point trying to time the market)

+6.75% YTD

Kdg2 won myself rm10 cashback from ambank. Lol. Too much jompay

Thanks SA

Heres to a better 2020


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My same exact thought this year

2018 December SPY crash almost 19.8%

2019?

So to me 2020 I just repeat what I already did this year

DCA till die. Haha

Closed down my SA.

Not that they are not doing well

It’s just I’m moving away from US now. Haha.

Unless

SA also invests in EM or Asia ETF?

I see. Ok can later will adjust

Yup. For DCA what you get is peace of mind. I DCA RHB big cap during 2019 downturn (huawei ban, hk riot, and now corona)

Still getting 10% return. Haha.

Auto deduct using jompay on monday and wednesday (RM150) each. So total RM300 per week / RM1200 per month or 1500 if that month has 5 weeks

2019 portfolio liquidated due to debt repayment.

Start over again around end of jan with a weekly DCA of around RM300

Hahahaha yes 30 years later

Hahaha ya for 2019 it’s daily

For 2020 it is weekly

using JomPay.

I think that time I have 2 portfolio, 36% and 30%. why I have two is because konon that time I need to have 2 separate "goals" haha
so my total return rate the whole 2019 is around 7%

But Could be higher, if not for my attempt to "time" the market during huawei ban and october china trade war threat. Keep changing the risk profile from 36 to 25 then to 18 then back to 36 haha

Savings is all about emotion, some people cannot tahan the act of login to their cimbclicks and transfer RM1000 every month, but what if we staggered that RM1000 into 30 days? 1000/30 its only RM33.333 bah per day.

So thats why I DCA daily. haha. even if i miss one day two day or even 1 week

I still manage to save RM700-RM800 per month, and if my budget is ok, maybe even more.

oh is it. haha. I just save. didnt look much on the details.

But this year not doing daily anymore, only on wednesday and friday. different approach see how it fares out

Kan “robo-advisor”?

I think no, they transact individually.

Refinance the house and put into SA

True. If you keep changing. Meaning you keep trying to time the market, and keep putting emotions into your savings “Low should I buy. High should I sell. What if falling knife. What if I sell. What if makin teruk. What if suddenly shoots up”

Remove the emotion side of investing And keep DCA.

Once you get used to it, -10 or -20 you just don’t care ni. Haha. Happen to me this feb and March.

And well now it’s April. My SA is up by 10%

Will it drop next month? Maybe. But since we are on DCA. No point in timing the market.

This post has been edited by brokenbomb: Apr 26 2020, 08:23 PM

the average bear market is 24 months. so your end of the tunnel should be 2021 or 2022

but we are talking about the SP500 3300 high, what if you start DCA from the lows of 2500-2700?

Yup. This is true with all kinds of invesment assets.

Scenario A - if 3 months later your rm900 becomes rm1000. How would you react? Add? But what if it suddenly drops?

Scenario B - if 3 months later your rm900 becomes rm700. Would you sell? Or keep buying because the unit is cheap?

My advise is. To only invest a certain amount where you are comfortable. If rm300 drop becomes rm285 you already scared. Better scaled down to rm200 or even rm100. Just to build up the habit first. Then slowly increase the amount.

But if rm300 is nothing to you. Then by all means