What's money market?

People tend to buy when the market is low and also showing an upward trend. When the market is rushing up high, it doesn't mean you cannot buy unless you know where is the peak. Similarly, you don't buy when the market is tumbling down where you don't even know where is the sink.

I will do that in stock exchange but in mutual fund, I think should play it a little differently. As long as the economy is not tumbling to hell, I believe the fund manager will be able to control the fund to reduce the risk of the investment, but in stock exchange, we are our own fund manager ... playing more conservatively is understandable. Not to mention, the service charge of 6% for mutual fund is too expensive if compare to the brokerage, stamping and clearance fees in purchasing stocks ...

But you are aiming for 6 cents of increment, minus the service charge ... really not much % ...