I have never invested in UT before but I'm planning to, however I don't quite understand the impact of sales charge if you put a lump sum vs DCA.

Scenario 1 :
Putting in 10k lump sum with 1.75% sales charge.
Total sales charge paid = RM175

Scenario 2 :
DCA 10k in 10 months with 1.75% sales charge.
One month sales charge paid = 1.75% of 1k = 17.50
After ten months, total sales charges paid = RM175

Hence, it doesn't matter whether you lump sum or DCA, in the end the sales charges paid are the same. Of course, annual management fees would be different in two of those scenarios.

Can someone tell me if I'm wrong or right?

Given the current volatility, (B) would be better.

Now is the time for accumulation even though the market is not really bottom yet.
You would want to accumulate more during down time.

-deleted-

You win! OK!     

Sorry, I don't understand how this would be considered timing the market. Its still considered DCA innit, just on different timeframes?

with the benefit of hindsight, anyone who had been doing DCA over the past few months or past few years would be in a LOSS position now.

let me give example of doing the opposite of DCA

1. i had been saving money in FD since 2019. guarantee 4% per annum. zero risk

2. i deposit 10k in stashaway on 18 march

3. i exit on 1 April. REALIZED quick n easy profit 6%.


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Do you guys think worth paying them 5%?
I have invest a little money in PM for more than 2 years, don't see any return and still negative
Thinking to move all my money to Stashaway...

Then i think you are wrong about "tiny bit of funds we put in, not gonna chanhe your portfolio entirely" phrase. If one is able to enter and buy at low at the right timing, the portfolio earnings is gonna have big difference.

I expected it will drop yesterday due to FED announcement and so i deposited 3x my normal DCA amount on Tuesday so that my buy order will be executed yesterday midnight. And i am correct and able to buy at low price yesterday. If today or next Monday DJ back to green, our returns will be alot difference.

Not only buta-buta DCA, but at the same time try to time the market right to maximize our return.

Ayam abit new to this MMF kind of things. So for SA Simple, if I park my money for like 15 days, does it mean I get interest for that 15 days at 2.4*pa ? (pro rated to 15 days of course)

Anyone is Shopee voucher before?

Not clear about clause 1, it means limited to 3 redemption per stashaway account?

suddenly i feel very worth to pay the 0.8% fees, haha

Remember this quote when market is red and your portfolio is in red..

Me
using simple to top up sure slower than jompay/ direct debit.
Because plus one process >>> redeem from eastspring + the money appear in your account >> baru start invest
compare to jompay >>> direct invest

but many ppl tell me since its DCA, so we not timing the market ma.....just let it auto 

i tengah fikir mahu tukar or not 

Noted. I just created SA account 2 month ago. Confused with multiple portfolio.
For me the 2% difference i risk index is negligible. I am still in early "experiment stage" . Only few k is deposited. Once i am more confident, i will put more money.
I will stick to single portfolio for now.