{"id":44263,"date":"2020-07-23T17:30:27","date_gmt":"2020-07-23T09:30:27","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=44263"},"modified":"2020-08-21T13:45:23","modified_gmt":"2020-08-21T05:45:23","slug":"dollar-cost-average-investing","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/dollar-cost-average-investing","title":{"rendered":"Here\u2019s Why You Should Dollar-Cost Average Your Investment"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-38160\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/04\/In-partnership-with-CIMB-Principal-Updated.jpg\" alt=\"\" width=\"409\" height=\"48\" srcset=\"\/articles\/wp-content\/uploads\/2019\/04\/In-partnership-with-CIMB-Principal-Updated.jpg 409w, \/articles\/wp-content\/uploads\/2019\/04\/In-partnership-with-CIMB-Principal-Updated-300x35.jpg 300w\" sizes=\"(max-width: 409px) 100vw, 409px\" \/><\/p>\n<p>This year, the Malaysian stock market hit an <a href=\"https:\/\/www.thestar.com.my\/business\/business-news\/2020\/03\/20\/bursa-malaysia-continues-slide-to-11-year-low\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">11-year low<\/a> due to coronavirus fears, and then surged upwards the next month. Overseas, the US stock market reached a record high, experienced its biggest drop and then subsequently rebounded \u2013 and that\u2019s just in the first six months.<\/p>\n<p>As an investor, it can be tough to watch your portfolio experience these extreme highs and lows. It can also make you question your investment strategy \u2013 you\u2019ve always been told to invest as early as you can for retirement, but how do you invest in uncertain market conditions?<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The-wrong-way-to-invest\"><\/span>The wrong way to invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>First, let\u2019s look at how you <em>shouldn\u2019t<\/em> invest.<\/p>\n<div class=\"block\"><div>Johari, who just started investing last year, has a small portfolio in the local stock market.<\/p>\n<p>However, he watched his portfolio anxiously as it experienced losses in 2019. When the stock market hit a steep decline in February and March this year due to COVID-19 fears, he panicked. Afraid that the stock market would decline further, he sold off his portfolio to cut his losses.<\/p>\n<p>Soon after, the stock market began to rise again. At first, Johari wasn\u2019t sure about buying back in, as we were still in the middle of the coronavirus pandemic. But when the stock market kept rising, he didn\u2019t want to miss out\u2013 so he bought back into the stocks that he had previously sold.<\/div><\/div>\n<p>In the example above, Johari invests based on whether he thinks the stock market will go up or down. But this is risky and can lead to investment losses.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Whats-wrong-with-timing-the-market\"><\/span><span lang=\"EN-MY\">What\u2019s wrong with timing the market?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Investing based predictions of stock market movements \u2013 known as timing the market \u2013 doesn\u2019t work for most investors. Here\u2019s why:<\/p>\n<ul>\n<li><strong>The stock market is hard to predict. <\/strong>Investing based on how you think the stock market will move is risky, because it\u2019s so hard to predict. There are many factors involved, including company valuations, economic growth, interest rates, political stability and investor confidence. Right now, things are even more uncertain as we\u2019re grappling with the economic effects of the coronavirus pandemic and ongoing trade disputes between China and the US.<\/li>\n<\/ul>\n<ul>\n<li><strong>Buying at the bottom can still lead to losses. <\/strong>Over the long run, stock markets tend to move on an upward trend. So even if you could predict when the stock market will hit rock-bottom prices, waiting to buy the dip could cause you to <a href=\"https:\/\/www.marketwatch.com\/story\/this-is-the-last-article-youll-ever-need-to-read-on-market-timing-analyst-claims-2019-02-06\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">miss out on gains<\/a> in the meantime.<\/li>\n<\/ul>\n<ul>\n<li><strong>Emotions make us irrational. <\/strong>When your hard-earned money is on the line, emotions can make it hard to decide when to buy or sell. Fear influences people to sell when stock prices fall, and greed makes people buy when prices rise again \u2013 but buying high and selling low isn\u2019t a great investment strategy.<\/li>\n<\/ul>\n<p>That\u2019s not to say that timing the market never works. Some investors use stock valuation metrics or technical indicators to determine if they should buy or sell. But it requires discipline and advanced investing knowledge. And since the market is unpredictable, even great market-timers can get it wrong.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Heres-where-dollar-cost-averaging-comes-in\"><\/span>Here\u2019s where dollar-cost averaging comes in<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If timing the market doesn\u2019t work, what does? The answer is the <strong>dollar-cost averaging strategy<\/strong>.<\/p>\n<div class=\"block\"><div>The dollar-cost averaging strategy involves investing a fixed amount of money at a fixed schedule (e.g. monthly or quarterly). It doesn\u2019t matter if the stock market is rising or declining \u2013 you just stick to the schedule.<\/div><\/div>\n<p>Here\u2019s why dollar-cost averaging works:<\/p>\n<ul>\n<li><strong>Avoid entering the market at the wrong time.<\/strong> By spreading out your investments over time, you\u2019ll minimise the risk of investing all your money when prices are at an all-time high.<\/li>\n<\/ul>\n<ul>\n<li><strong>Avoid emotion-based investing.<\/strong> By investing a fixed amount of money on a schedule, dollar-cost averaging prevents you from making emotionally influenced adjustments to your investment strategy.<\/li>\n<\/ul>\n<p>This can be a powerful approach when the stock market is declining. It helps you invest when prices are low, during a time when other investors may be staying on the sidelines out of fear. This sets you up for larger gains when stock prices recover.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lump-sum-investing-versus-dollar-cost-averaging\"><\/span>Lump sum investing versus dollar-cost averaging<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>How does lump sum investing (i.e. investing all your money at once) compare to dollar-cost averaging during a volatile market? Let\u2019s compare investing a lump sum of RM10,000 into Fund A, compared to investing a quarterly sum of RM2,500 into the same fund.<\/p>\n<p>\n<table id=\"tablepress-1436\" class=\"tablepress tablepress-id-1436 table-subhead-second\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><\/th><th colspan=\"3\" class=\"column-2\"><center>Lump sum investment<\/th><th colspan=\"3\" class=\"column-5\"><center>Dollar-cost averaging<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Date<\/td><td class=\"column-2\"><center>Investment amount<\/td><td class=\"column-3\"><center>Unit price<\/td><td class=\"column-4\"><center>Units bought<\/td><td class=\"column-5\"><center>Investment amount<\/td><td class=\"column-6\"><center>Unit price<\/td><td class=\"column-7\"><center>Units bought<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Jan<\/td><td class=\"column-2\"><center>RM10,000<\/td><td class=\"column-3\"><center>RM1<\/td><td class=\"column-4\"><center>10,000<\/td><td class=\"column-5\"><center>RM2,500<\/td><td class=\"column-6\"><center>RM1.00<\/td><td class=\"column-7\"><center>2,500<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Apr<\/td><td class=\"column-2\"><\/td><td class=\"column-3\"><\/td><td class=\"column-4\"><\/td><td class=\"column-5\"><center>RM2,500<\/td><td class=\"column-6\"><center>RM0.80<\/td><td class=\"column-7\"><center>3,125<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">July<\/td><td class=\"column-2\"><\/td><td class=\"column-3\"><\/td><td class=\"column-4\"><\/td><td class=\"column-5\"><center>RM2,500<\/td><td class=\"column-6\"><center>RM0.60<\/td><td class=\"column-7\"><center>4,167<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">Oct<\/td><td class=\"column-2\"><\/td><td class=\"column-3\"><\/td><td class=\"column-4\"><\/td><td class=\"column-5\"><center>RM2,500<\/td><td class=\"column-6\"><center>RM1.20<\/td><td class=\"column-7\"><center>2,083<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><strong>Total<\/strong><\/td><td class=\"column-2\"><center><strong>RM10,000<\/strong><\/td><td class=\"column-3\"><center><strong>RM1<\/strong><\/td><td class=\"column-4\"><center><strong>10,000<\/strong><\/td><td class=\"column-5\"><center><strong>RM10,000<\/strong><\/td><td class=\"column-6\"><center><strong>RM0.84 <\/strong><strong>average cost per unit<\/strong><\/td><td class=\"column-7\"><center><strong>11,875<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1436 from cache --><span style=\"font-size: small;\"><em>Comparison of lump sum investing against dollar-cost averaging. Figures are for illustrative purposes only<\/em><\/span><\/p>\n<p>In this example, you\u2019ve invested during an inopportune time, right before the price of Fund A starts falling continuously. However, its price picks up in the last quarter of the year.<\/p>\n<p>With dollar-cost averaging, you\u2019ll be able invest in more units when its price falls. When its price recovers, you\u2019ll have a larger capital gain. For example:<\/p>\n<p style=\"text-align: center;\"><strong>What would be your capital gain if Fund A rises to RM1.50?<\/strong>\n<table id=\"tablepress-1437\" class=\"tablepress tablepress-id-1437\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><\/th><th class=\"column-2\">Lump sum investment<\/th><th class=\"column-3\">Dollar-cost averaging<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Investment cost<\/td><td class=\"column-2\">RM10,000<\/td><td class=\"column-3\">RM10,000<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Units bought<\/td><td class=\"column-2\">10,000<\/td><td class=\"column-3\">11,875<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Portfolio value<br \/>\n(RM1.50 x number of units)<\/td><td class=\"column-2\">RM15,000<\/td><td class=\"column-3\">RM17,813<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Capital gain<br \/>\n(Portfolio value \u2013 investment cost)<\/td><td class=\"column-2\">RM5,000<\/td><td class=\"column-3\">RM7,813<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1437 from cache --><\/p>\n<p>As such, the dollar-cost averaging strategy can help minimise risk when markets are volatile or declining.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Focus-on-the-long-run-and-your-long-term-investment-goals\"><\/span>Focus on the long run and your long-term investment goals<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>As you practise dollar-cost averaging, don\u2019t be swayed by the short-term market movements. The stock market will fluctuate year by year, and it may face crashes and booms. By keeping invested over many years, you\u2019ll have a better chance of riding out these volatilities to reap positive returns. It\u2019s also helpful to remember what you\u2019re investing for, such as your retirement.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Invest-in-funds-not-individual-stocks\"><\/span>Invest in funds, not individual stocks<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>However, even dollar-cost averaging can\u2019t save your portfolio if you choose bad stocks. This is why doing your own research before investing is extremely important. If you are not confident of picking the right individual stocks, consider investing in unit trust funds. This allows you to diversify your portfolio and spread your risk across many different types of investments. <strong>You can even use your EPF savings to invest<\/strong>, so you can diversify your savings without withdrawing additional cash.<\/p>\n<p>Right now, it\u2019s never been easier to diversify your retirement savings. <strong>The Employees Provident Fund (EPF) recently <a href=\"https:\/\/www.kwsp.gov.my\/ms\/-\/epf-announces-fee-reductions-for-epf-members-investment-scheme\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">reduced its upfront fees<\/a> for its online investing platform, <\/strong><a href=\"https:\/\/www.imoney.my\/articles\/grow-epf-i-invest-principal\" target=\"blank\" rel=\"noopener noreferrer\"><strong>EPF i-Invest<\/strong><\/a><strong>, to a 0% sales charge.<\/strong> The fee reduction is valid until April 30, 2021. This means that you won\u2019t incur upfront charges for dollar-cost averaging into unit trust funds.<\/p>\n<p>But which funds should you consider?<\/p>\n<p><strong>Principal Asset Management <\/strong>(Principal) has a range of EPF-approved unit trust funds to suit different risk profiles:<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-44277\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/22102646\/epf-funds-risk-profile-chart_conventional-epf-fund-july_conventional_epf....png\" alt=\"Investment risk profile\" width=\"1173\" height=\"1402\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/22102646\/epf-funds-risk-profile-chart_conventional-epf-fund-july_conventional_epf....png 1173w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/22102646\/epf-funds-risk-profile-chart_conventional-epf-fund-july_conventional_epf...-300x359.png 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/22102646\/epf-funds-risk-profile-chart_conventional-epf-fund-july_conventional_epf...-768x918.png 768w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/22102646\/epf-funds-risk-profile-chart_conventional-epf-fund-july_conventional_epf...-800x956.png 800w\" sizes=\"(max-width: 1173px) 100vw, 1173px\" \/><\/p>\n<p><span style=\"font-size: small;\"><em>All investments involve risk. Visit <\/em><a href=\"https:\/\/www.principal.com.my\/?utm_medium=article&amp;utm_source=imoney&amp;utm_campaign=&amp;utm_content=dollar-cost-averaging\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><em>www.principal.com.my<\/em><\/a><em> to access these unit trust funds\u2019 prospectus, highlight sheets and annual reports for more information about the risks involved.<\/em><\/span><\/p>\n<p>In conjunction with the first year anniversary of the launch of Principal EPF i-Invest, Principal is rewarding all EPF i-Invest\u2019s investors from now until 9 September 2020. Invest a minimum of RM2,000 to be eligible for a Touch &#8216;n Go reload pin:<\/p>\n<p><a href=\"https:\/\/www.principal.com.my\/en\/i-invest-one-year-anniversary?utm_medium=article&amp;utm_source=imoney&amp;utm_campaign=one-year-anniversary&amp;utm_content=dollar-cost-averaging\" target=\"blank\" rel=\"nofollow noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-44279\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/22102841\/Principal_1st_anniversary_EN_Confirmed.png\" alt=\"Invest and get rewarded\" width=\"904\" height=\"663\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/22102841\/Principal_1st_anniversary_EN_Confirmed.png 904w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/22102841\/Principal_1st_anniversary_EN_Confirmed-300x220.png 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/22102841\/Principal_1st_anniversary_EN_Confirmed-768x563.png 768w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/22102841\/Principal_1st_anniversary_EN_Confirmed-800x587.png 800w\" sizes=\"(max-width: 904px) 100vw, 904px\" \/><\/a><\/p>\n<p><span style=\"font-size: small;\"><em>Click <a href=\"https:\/\/www.principal.com.my\/en\/i-invest-one-year-anniversary?utm_medium=article&amp;utm_source=imoney&amp;utm_campaign=one-year-anniversary&amp;utm_content=dollar-cost-averaging\" target=\"_blank\" rel=\"noopener noreferrer\">here<\/a> for campaign details, terms and conditions.<\/em><\/span><\/p>\n<p>With unit trust funds and a dollar-cost averaging strategy, you\u2019ll be able to minimise your investing risk during these volatile times \u2013 so that you can maximise your chances of a comfortable retirement.<\/p>\n<p>Follow these steps below to take charge of your retirement portfolio and get rewarded.<\/p>\n<p><a href=\"https:\/\/secure.kwsp.gov.my\/member\/member\/login\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-44293\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/23100406\/iMoney_DCA_EPF-Invest_How-to.png\" alt=\"Invest with Principal and EPF i-Invest\" width=\"1125\" height=\"1125\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/23100406\/iMoney_DCA_EPF-Invest_How-to.png 1125w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/23100406\/iMoney_DCA_EPF-Invest_How-to-150x150.png 150w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/23100406\/iMoney_DCA_EPF-Invest_How-to-300x300.png 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/23100406\/iMoney_DCA_EPF-Invest_How-to-768x768.png 768w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/23100406\/iMoney_DCA_EPF-Invest_How-to-800x800.png 800w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/07\/23100406\/iMoney_DCA_EPF-Invest_How-to-200x200.png 200w\" sizes=\"(max-width: 1125px) 100vw, 1125px\" \/><\/a><\/p>\n<div class=\"block\"><div><strong><a href=\"https:\/\/www.principal.com.my\/en\/epfiinvest?utm_medium=article&amp;utm_source=imoney&amp;utm_content=dollar-cost-averaging\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Click here<\/a> to find out more about Principal and EPF i-Invest.<\/strong><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>This strategy helps you minimise risk \u2013 so you can maximise your chances of a comfortable retirement.<\/p>\n","protected":false},"author":1,"featured_media":44286,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,240,236,230],"tags":[208,520],"class_list":["post-44263","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-retirement-planning","category-sponsored","category-unit-trust","tag-featured","tag-principal"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Invest In Uncertain Market Conditions<\/title>\n<meta name=\"description\" content=\"In an uncertain stock market, investing can be nerve-wracking. 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