facebookI am currently investing $300 per month into ETF STI through DBS. I am a pretty low risk investor. If i carry on contributing this amount per month for the next 30 years (DCA method), will i gain? - Seedly

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Anonymous

05 Dec 2019

General Investing

I am currently investing $300 per month into ETF STI through DBS. I am a pretty low risk investor. If i carry on contributing this amount per month for the next 30 years (DCA method), will i gain?

Sorry i am an investment noob here! Also read somewhere that if someone invest a fixed amount every month into the S&P500 for the next 30 years, chances are i will outperform any hedge funds out there. Help i don't wanna lose money hahaha

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Discussion (3)

What are your thoughts?

Pang Zhe Liang

Pang Zhe Liang

05 Dec 2019

Level 14·Senior Financial Services Consultant at AIA Singapore Private Limited

Firstly, we need to understand how dollar cost averaging work in detail. In essence, it is not a foolproof investment strategy that optimises return all the time. Read this post to find out why: https://www.blog.pzl.sg/dollar-cost-averaging-s...

If you are a low risk investor, then you may wish to evaluate your risk tolerance again. This is because investing in ETF does not produce guaranteed returns. As a result, your profit or loss will depend on your investment strategy and risk management technique along the way.

If you are knowledgeable, skillful, and experienced enough to manage your own portfolio, then continue monitoring it while seeking a second opinon whenever possible.

If you are doubtful on what is going on, I will suggest for you to speak to a professional to find out the best way to grow guaranteed returns for you over time.

At the end of the day, nobody likes to lose money. Unfortunately, time is precious and we often only get one chance. (How many 30 years do we have?)

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You will have a higher chance of succeeding if you put the money in S&P index. The STI growth rate is so pathetic, till date it still had not recover from the 2008 financial crush

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Hariz Arthur Maloy

Hariz Arthur Maloy

05 Dec 2019

Level 15·Independent Financial Advisor at Promiseland Independent

The STI ETF is a Single Country Highly Concentrated Financially Heavy Equity Fund. It is one of the ...

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