Is it better to park a lump sum from CPF in Endowus for investment or do a recurring sum (DCA) per month from CPF into the investment?

Hi Mel,

Thank you for your interest in us! There are a few factors at play including

• What is the lump sum amount you have in your CPF

• What is recurring amount you can invest in your CPF

When I first started out, I spread out my "lump sum" into 3 smaller lumps, then I have been doing a $1k+ recurring investment on a monthly basis. Hope this helps!​​​

I parked a lump sum from CPF in Endowus for investment, since I'm still paying the housing loan. I didn't do DCA.

I set aside about 4 years of funds left in CPF-OA for repayments to the bank, in case I lose my job.

4 years period sound overkill, but I rather be careful because after the lock-in (the "honeymoon") ends, who knows what rate/amount I'm going to pay when the time comes.​​​