Hi i currently have about 1.2 to 1.5k to invest per month (depending on the variable part of my salary). i initially started with investing with ocbc bcip $400 per month in dbs, ocbc, sgx & CLR?

Not at all! I think you are diversifying well with VT accounting for the interational market. I think its good if you can consider buying individual stocks and REITs directly into CDP instead of BCIP if you are holding SG stocks in the long run for dividend income since you have the capital to sustain consistent investing into the SG market!

I would advise you to consider a little more focus and try to bring transaction cost down to 1% or less.

That means an regular plan via BCIP would be 500 or more (minimum fees is 5). Looking at your description, I think you might be doing all four counters. If so your transaction cost is actually 20 per mth, or 5%. Pretty high.

Its good to diversify, but definitely not at high cost which erodes the long term returns of the portfolio.

And for bcip, don't worry about the odd lots. They charge you lower of 5 or 0.3% for selling too. Let them worry about the selling.

I have like 27k of stocks accumulated with bcip since 2016, and I have sold bits over the years too.
My principle is just a little different, and I update my bcip once in a while to adjust the amount and counters. I try to focus on one counter each for cash / srs, to rebalance my portfolio, and it is on a counter that I believe the dividend yield is 4% or more. Right now I am doing 900 per mth on Singtel, 600 on ocbc and 700 on Cdg.