Need some enlightening on my STI ETF Nikko AM?

Adding on to what Chen ZhiRong said:

First you have to understand what index does. Index shows the performance of a country GDP. However, is that the true value of Singapore? Based on how US and SG handles COVID situation, you will expect non-tech companies to be recovered faster in Singapore than in US.

Secondly, you have to understand the nature of STI. They are made up of cyclical companies such as Capitaland, HKLand that perform better in bull run. Sadly, there is no tech stocks which undermined the growth potential of STI.

If technicality is too difficult, just simply observe STI pattern. There is an overall increasing trend.

What causes the sharp dip?

1998 - Asian Financial Crisis

2003 - SARS

2008 - Lehman brother Global Financial Crisis

2020 - COVID

From this alone, the smarter move is to continue DCA

However, why most people dislike STI?

1. It is concentrated on banks and REITS.

2. It is outdated: there is no growth tech stock

3. Some poor performing companies: I guess most are glad to see that SPH is being kicked out of STI and added in Keppel DC REITs

4. STI does not show the true performance of Singapore's GDP: 99% of Singapore's business is SMEs.

My advice to you:

1. Continue to invest in STI.

2. Invest in REITS ETF in your RSP/ syfe - There is a reason why investors love SG Reits

3. Read the historical trends of financial statements of each company in STI. Truly Understand why people hate STI

4. I will caution people investing on S&P 500 if you have yet to. You can research about Warren buffet indicator where US market value exceeds US's GDP​​​

Frankly, I don't understand why you want to stop since you are investing via RSP, which basically means you are DCA-ing into STI.

Just use this low price period to accumulate more STI stocks. Don't tell me you only wanna start buying in again when it's at high?

I'm more or less in the same situation. Almost sold it but decided not to realise my loss since I'm in no hurry for the cash. Decided to just sit back and collect the semi-annual dividends while waiting for the price to recover a bit before selling. I stopped my DCA to allocate my capital elsewhere in the US market esp when it tanked during the peak of Covid-19. Now I'm up about 20% but I know ppl who've done even better!

Well the principle for this would be time in market is more important than timing the market...