YewFong Chua

Security Engineer at Fujitsu Asia Pte Ltd

Edited 09 Oct 2021

∙

Should one invest a high (CPF OA) amount for the initial investment with Endowus or should one start a small (CPF OA) amount for initial investment with Endowus?

Hi,

I would like to know if I have around $35k in my CPF OA account, exclude the $20k. Should I invest all my $35k during the initial investment with Endowus? Or is it better to put a small (CPF OA) amount during the initial investment with Endowus for DCA purpose?

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The Super Long Ark

09 Oct 2021

Full-Time Trader at Barista FIRE

It depends on your personal preference, there is no right or wrong answer to this. im not sure what is offered in endowus but generally, markets are rather frothy right now.

the safest bet would be to start with a small amount and DCA in.

the benefits of investing a lump sum initially would mean you get a higher return if the underlying asset continues to grow; whereas the downside is, after investing the lump sum and a downturn happens, it would incur you with more paper loss than the first option.

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Started investing with 1) Cash: SWRD, 2) CPF-OA thru Endowus: Lion Global Infinity US 500 Stock Index Fund only, 3) SRS thru Endowus: Dimensional Global Core Equity Fund only. Does it look ok?

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