Would you recommend lump sum or RSP in Endowus and what kind of fund holdings?

Hello!

Framework to help with your decision:

• What's your aim with the investment? If wealth accumulation, go for equities. If wealth preservation, pick a more conservative portfolio, maybe 60-40 bonds-equities.

• How much you have to invest? If it's a substantial amount, deploying it as a lump-sum may increase your returns in the long run.

• How long you investing for? This affects your ability to tolerate volatility. The longer your investment horizon, the more volatility you can take on.

• What's your tolerance for volatility like? If you personally can't stand seeing your investment swinging up and down, go with DCA. Otherwise, lump-sum will allow your money to start earning returns earlier.

Regarding warchest, I'd rather deploy all my money now. Consider diverting a small sum of your subsequent salary every month to your warchest instead. When your Black Swan / market correction does happen, you can deploy it. No right or wrong method to this.

Fund holdings: Endowus' philosophy is to diversify globally. Just stick with that. If you don't want that, you can choose Fund Smart. They curate a selection of funds for you to construct a DIY portfolio.​​​