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Shengshi Chiam, CFA
11 Dec 2020
Personal Finance Lead at Endowus
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Jiayee
08 Dec 2020
Salaryman at some company
If you plan to stay invested for a long time (e.g. 20 yrs), any time early is a good time.
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An alternative is to spread your lump sum over 3 months. Fund smart is subjective based on the funds...
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I am invested in a mix of Infinity global stock index, infinity SP500, Dimensional Pac basin (APAC exposure) and Dimensional Emerging Market funds to replicate a globally diversified portfolio. I set it up this way to test out the fund smart platform.
As many other members mentioned, over a short time frame, your returns will be dependent on your entry price and where the markets are at now. There is no point trying to say wich portfolio is better.
You can check out our article on DCA https://endowus.com/insights/when-should-you-do... to understand if you should invest lump sum. If its over a long time frame that you would want to stay invested, you should probably invest more on the onset.