When u mentiOned most bloggers bought the stocks when the price are low, for the current situation when most of the stocks are over valued, it’s still sensible to DCA into QQQ OR SP500 ETFs right?

Also the Rm100k which u intend to put into SG banks, are u gonna put all Rm100k at one go to SG banks by this year or u gonna wait till the price drop?

scare will be like interpac dana sufi only

Hi sifu's here. I have a few questions here regarding my investments with Public Mutual from my EPF account 1.

1. How do you know if the returns from PM is lower or higher than what you would've got if you had kept the money in EPF account 1?
2. My way of calculation is (since I didn't touch my EPF account 2), I take my current account 2 balance as 30%, and assume how much should my EPF account 1 70% should be. For example, if I have 30k in my account 2 now, my account 1 should have 70k, if I did not withdraw to EPF. Is this method correct?
3. I am very confused with how PM show the fund performance in PMO app. The returns are shown as total unrealised P/L from the total investments into the fund. For example, I might see a return of 70% which seems great, but considering it has been more than 10 years without top up, it actually isn't that great. In 10 years considering an average of 5% EPF dividend, my money would've doubled! Isn't this misleading?
Hopefully someone can enlighten me as I am not invested in other unit trust funds except PM.
Thanks.