Hi, I'm new to SA (and investment in general). Thought of kick starting with SA and some individual stocks in the US. Would like to get some some advice and have some very noob questions : l

If my target return by end 2021 is let's say 10%, does it make sense to split into 2 portfolios:
- 60% fund to 16% risk
- 40% fund to 30% risk
(will try to double up the sum if the market drops in specific months, and am keeping these 'rescue funds' in SA simple for easy transfer.)

And should I do it as a lumpsum, or monthly recurring deposit (is the interest compounded on monthly basis on SA)? How do I calculate the difference between projected returns for lumpsum vs compounded monthly?

Thanks!

Thanks for the explanation, have a better idea now, especially on the interest part. thanks!