1stly if it is long term yes using DCA or VCA method

But you have to do your due dilligence to see whether can the business goes on for at next 3 generations or at least with 30 year track record

Most important you have to be comfortable with holding it just like how you hang on to your beloved property

For dividend yield it is better for you check the dividend track payout record by company rather than looking into industry

But by far Insurance would have stable dividends payout unless major disasters happens

Not this quarter at least because of heightened alert

Singapore is in heightened alert for COVID atm

It is paying normal as of q2 you wait for Q3 and q4 then you will

Not all but majority with commercial estates will hit about 70% will be badly affected but 1 thing is good is they have sufficient cash buffer to mitigate the risks

I wouldn’t touch Takaful as dividend stocks considered dismal

Better off buying Maybank or Allianz Malaysia instead

Usually dividend is given to retain shareholders rather have them selling off

Multinational approaches to treatment are coming and Malaysian employers love office working