Is it advisable to remove your money from your investment after certain gain and reinvest or just keep it riding?

With good selection in the first place

Buy&Hold (almost) forever is the best way

It depends on your style.

I find most people love to receive dividends, seeing cash flow helps reinforce the saving/investing habits.

Good!

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Personally I prefer all the money STAYS in the investment account (hence I love IWDA ETF). Don't come out in dividends or selling some shares, please. I follow Warren Buffett, he never declare dividends and let them ride.... ;)

Hi Jer Jian,

Taking profit is part and parcel of investing. So is cutting losses. Sometime you take profit off the table so that you take back a part of your capital. Once removed from the market, this sum of money is then released for re-deploying into other assets.

However, sometimes you might not find anything to re-invest into. This is where re-investing comes in, so for example where you may choose the re-invest option into the same Unit Trust, or take script dividends in the form of more shares of the company you currently have shares in.

My thought process behind re-investing is really about compounding the returns. Compound interest is the 8th wonder of the world; he who understands it gets paid, he who does not pays. But I prefer to withdraw my profits in cash first so that I can decide if I want to re-deploy to the same asset, or look elsewhere.

From the gains in investment, you can do two things.

Let it stay and continue to give you more returns in the future

Or divest from it and look for other investments that can give you more returns.