Investing long-term with a Robo: Does it make sense to make partial withdrawals in a bull market and make lump-sum deposits when in a bear market?

For this question, it will be best to stay invested over a longer horizon (long period of time), at least for the risk mitigation part.

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Investing at certain time points may lead to a case of "Buy High, Sell Low", of which the entry point for the investments can carry a premium rate, and not easy to gain more returns due to relatively higher cost points for initial entry into the market(s).

Hi Anon,

It is difficult to time the market. We only know when a bull run stops when it actually stops - at any point of time it is impossible for us to look ahead and be able to tell consistently where the market is moving.

The less emotionally driven way of investing is to invest consistently the full amount that you are comfortable investing in, so that you do not build up a huge pile of cash to be invested.

You can read more about it here https://sg.endow.us/3hTWOC1