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Just sharing, from my own mistake, NEVER GO INTO STI ETF!!!
Reasons:
1. There are better dividend plays
2. In terms of capital gain, SPY just outperforms!!The best time to invest, was yesterday. But today is better late than never.
I have a few principles I abide by.
I diversify. Not a strict allocation, but my US portfolio is mixed. Consists of ETFs, and stocks only. SPY & big tech form the majority. I keep a watchlist and check their prices every time i call port. The wifi situation in my company also does not allow me to monitor the markets daily. Time in the market beats timing the markets.
Hence, adding posns every time I manage to get hold of a sim card or when i call sg is basically like DCAing. With my monthly salary, every time I can’t find a bargain in my watchlist, I just go with 1 SPY. Rinse and repeat every time i call port.There are studies that compared the returns of 1) those who invested EXACTLY at the mkt btm
2) those who invested consistently like DCA
3) those who invested EXACTLY at the highest peak
4) those who NEVER invested.
Summary: investing consistently had pretty close returns with the first group.I’m still young, I don’t have dependents, I’m not planning on any big purchases soon (wedding/house/etc), I have a long runway. Therefore I can take more calculated risk. That is why I do not prefer to go into safer instruments like bonds or even dividend plays as there is almost no growth.
