facebookPlanning to invest $15k into the stock market - any recommendation on allocation (%) and what shares / etf that I can take a look at? [would you suggest lump sum now or dca?] - Seedly

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Anonymous

29 Jan 2022

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General Investing

Planning to invest $15k into the stock market - any recommendation on allocation (%) and what shares / etf that I can take a look at? [would you suggest lump sum now or dca?]

PS: Saw some comments that certain etf is not worth to dca if small amount.. am abit confused.

Using ibkr

30 years old - will be holding long term

Thanks everyone for your contribution of ideas!

Discussion (1)

What are your thoughts?

General approach:

  • $15k into S&P500 / Nasdaq ETF, lump sum.
  • Then DCA into it monthly constantly.
  • Not necessay to diversify to other US ETF, as these board ETF represent entire US economy, if they tank, the whole US market will tank.

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Specific approach: you need to work out 2 things, (1) how long you going to stay invest (2) how much you need to invest evey month.

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Inorder, to do that you need to set goal, have a financial roadmap and budgeting. If you just need 5%p.a. returns to achieve your desired amount at a given time, dont take unnecessary risks. I always advocate manage your risks first before returns for long term compounding.

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https://seedly.sg/opinions/calculating-net-wort...

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Then we have to think of how to construct our portfolio in such a way that no matter in what market condition, (market only got 3 direction up, down or stagnation), so we will still able to sleep & eat well, especially during retirement when we are dependent on our investment.

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https://seedly.sg/opinions/what-is-long-term-in...

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