Hi guys,

I've just opened an account in Stashaway and put to the highest risk settings (36%), so the portfolio is equity heavy and weighed more towards China and the US. So due to work-related reasons, I have around 50k to put in now and another 50k fairly soon.

Do note that most of my other portfolio is in property so it's relatively stable, that's why I'm going for the highest risk setting in Stashaway.

So my question is: as now the market seems very high, should I wait for it to drop before throwing all the money in? Or just put in immediately?

Another course of action that has occurred to me is to put all the money in but put the risk settings to the lowest, then if the market crashes set it back to the highest. Not sure if this makes sense or not.

Thanks!

Thx bro. I checked the S&P 500 and it seemed at a high point now but not so sure about other markets. Because for my portfolio a significant share would be in the USA.

Yea will probably do that, thx man!


Yea I agree on the low risk part - might as well buy bonds. I'll split up the amounts also, that's a pretty good point.

Thx bro. So you also feel it's better to put it in now rather than to try and time the market and put it in at a low point?

The other amount of money hasn't arrived yet, but I'd probably put it in tranches like you mentioned.

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

I'm on the 36% risk portfolio and it's dipping a bit right now. Do you guys think it's a good time to add more money in?

Hmmm I see what you mean. I was thinking should I put in now or wait for it to dip a bit more / the Msian ringgit strengthen a bit more vs the USD

Not anytime soon, I'm still early-mid 30s and not married yet so planning to keep it in there for a long time, hopefully generate more capital growth for retirement, same as you probably.