Why Monthly Investment?

Many investors are wonder why we should do Monthly investment instead of investing one time? (especially if you are investing in higher risk fund, we would try our best to minimize the risk  and achieve your financial goal) 

As you know Stock Markets are volatile and to determine the best time to enter the market is near-impossible. One famous author of ' The Intelligent Investors' Benjamin Graham, an economist also, said 'If I have noticed anything over these 60 years on Wall Street, it is that people do not succeed in forecasting what is going to happen in market' 

very good reference :) 

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START WITH A STRATEGY!

That is why it is important you to not time the market instead i would advise every investors to build wealth for the long term and adopt the Ringgit Cost Averaging (RCA) Strategy. (Investment strategy) 

Let me show you one example: 

as you can see this investors is doing monthly investment, so he able to invest monthly with different fund price. He managed to AVERAGE OUT THE COST PER UNIT TO RM 0.3171 which is lower than the average NAV per unit over the period at RM 0.3194. The RM 950 he invests every month purchases more units when prices are low, and less when they are high. 

RCA is actually a simple strategy of investing a fixed sum of money into a selected unit trust fund over a period of time regardless of the market cycles.  By investing a fixed amount on a regular basis, you can buy more units when the market is downs and fewer units when the market is doing well. This will AVERAGE OUT the COST OF INVESTMENT over time and reduce the volatility of stock markets.

This RCA strategy is actually practical for those who do not have the means to invest a huge lump sum.

As the popular Malay sayings 'Sikit-Sikit lama-lama jadi bukit', whereby you can invest an affordable monthly investment and gradually build your investment portfolio. ​

BENEFITS OF RCA

1. Affordable
Min RM 100 and above 
2. Consistent 
Great way to inculcate good savings habits for building wealth
3. No Market Timing Involved
Your fund will grow steadily without having to time the market. 
4. Convenient 
you may register the monthly invest it via your PMO online with just a few click from your saving account-Public Bank/other banks. (kindly consult your consultant) 

RCA TIPS: 

1. Start as soon as possible to build a sizeable account overtime 
2. Stay Invested for long term regardless of price ups downs 
3. Take advantage of Direct Debit Authorization (DDA) 
4. Be Patient & Consistent 

Monthly Investment Sample: 

For further info kindly contact me or you wish to have a customize monthly savings plan do drop me a message at 017-5522 902.