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Anonymous
Should I jump straight in and risk that I'm going in during a market peak?
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Luke Ho
Edited 26 Apr 2022
Founder and Director at CFX Money Maverick Pte Ltd
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Asheesh Chanda
30 Oct 2019
Founder at Kristal.AI
You should start with a balanced portfolio where you hold some low-risk Bond ETFs along with some Equity ETFs and Gold. In the case of Equity Market corrections you can change % allocation to more in eq by redeeming some Bond ETFs. As an example, at kristal.AI we manage this via certain Kristals like All weather Unlevered/Balanced or even Steady Growth etc by proactively rebalancing as our Investment Committee takes the consensus view to rotate the asset allocation. So you can either allocate dynamically yourself or rely on kristal.AI to do so. Do note investments via us are free for up to 50K USD.
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Elijah Lee
18 Oct 2019
Senior Financial Services Manager at Phillip Securities (Jurong East)
Hi anon,
We don't know when the market peak is, or if it is even already past. Having said that, y...
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Overwhelmingly, you don't balance it. DCA works in very short periods.
Even though the annualized yield was smaller on paper, the absolute return was higher. So if your time horizon is long (say, 20 years), you should invest it entirely regardless of the market cycle.
There is an analysis here:
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Which is based on white paper studies from Vanguard.
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