Adam Yam - Seedly
 
Adam Yam

Adam Yam's profile is not filled up yet.

Adam Yam

About

Adam Yam's profile is not filled up yet.

Credentials

Adam Yam's credentials are not filled up yet.

Adam Yam

  • Answers (2)
  • Questions (0)
  • Reviews (0)

Regular Shares Savings Plans (RSS)

STI ETF

ETF

Investments

Adam Yam
Adam Yam
Level 3. Wonderkid
Updated on 07 Jun 2019
I asked myself this question a year ago but there was no affordable option to my knowledge then. Today I use interactive brokers to purchase overseas ETFs as it's much more affordable than local brokerages. You can DCA into a few overseas ETFs each month using this platform. The cost is so low ($1 per trade?) that you'd probably be paying the minimum $10 a month charge.

Investments

Adam Yam
Adam Yam
Level 3. Wonderkid
Answered on 09 Jun 2018
I tend to favour a DCA approach. I came across the research on Vanguard myself and, after much hesitation, did a lump sum investment in REITs and other equity ETFs. This was in January 2018, just before the market dropped. In the 2 out of 3 times that you do a lump sum investment and you do produce better results, you'll be happy of course. The question is: Can you stomach the sharp losses incurred after your lump sum investment if the market turns south for you? We are talking 8-10% here, more than what your REIT would pay you in a year or two. If you are not prepared to face this, then psychologically you are better off doing the DCA approach. So personally, I feel it's important to factor in how you would feel based on a negative outcome from doing a lump-sum investment.
Level 3. Wonderkid
14PointsGoal 40
26 POINTS TO LEVEL UP
Browse Rewards