one of the main aim of this stashaway is also to stay invested no matter what happens ma, ride the market out.

will just continue DCA-ing. cheers guys!

1) Time in the market > Timing the market. As last year's Covid-19 dip and recent surge in profits from KWEB proved, it's not really possible to time the market accurately unless you can see the future. However the irrefutable truth is that every day you delay putting investments in order to wait for a dip is losing a day where your money can work for you.

2) Lump sum vs ringgit/dollar cost averaging (splitting the whole sum over several payments) is mostly a question of your ability to withstand volatility and how secure you feel about investing a large sum knowing that it might lose value in short term. If you're the kind that feels uneasy about giving a lump sum to the point you lose sleep and you get anxiety, then DCA. If you have a heart of steel and aren't afraid of short term losses because you're aiming for long term profits, then lump sum on average usually profits more than DCA.

note: setting aside part of your monthly income to invest monthly is not DCA, DCA is for those who already have a sum of cash on hand but split up payments.