How should my funds allocation be for ETF Long term investment? I'm a commission based earner. I hv 15k which is 6 months of emergency funds saved. i'm thinking of investing the rest, about 10k.?

My comm comes in irregularly, once/mth or every 2 mth

Now i split my 10k into 3 batch

4k, one lump sum
4k over 8 months = $500 / month
2k in one sum when mrkt drops.

Qns Is:
1) how much you should invest every month?
2) should i save up a large sum and invest a large sum or
should i invest whenever i have commission coming in ?

How would you allocate my funds to invest consistently & also have peace of mind that i don't need to use my emergency fund

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Ruthven Elara

16h ago

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Frankie Rappaport

29 Jan 2020

1 as much as You can early

2 depending on commission fees, if low or zero (U.S.): no problem to allocate short term, if high: try to sum up at least 2000 SGD for every investment. if You buy stocks in U.S. currency use Transferwise to convert Your SGD into USD to send to Your USD brokerage sub-account, much cheaper than the hidden (!) conversion fees of your brokerage

#3 best idea for beginners (peace of mind): SP500 ETF like Vanguard's VOO (alternative IVV, iShares), maybe 90% VOO and 10% (physical) gold

#4 TD Ameritrade (soon to be merged with Charles Schwab) is perfectly O.K as a cheap U.S. based online broker

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