When deciding between a lump sum investment (investing all at once) and dollar-cost averaging (DCA, investing smaller amounts at regular intervals), several factors should be considered. Here’s a breakdown of key considerations:
1. Market Conditions and Timing
• Lump Sum: Historically, markets tend to rise over time. Investing a lump sum in a rising market has the advantage of maximizing growth potential right away. If mar...

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Current COE prices do not make sense unless yu have a family wirh young children. The convenience from owning a car is frequently understated. For example, children often fall sick and there is a need to travel to gain access to medical facilities especially in the middle of the night. Moreover, the 40% downpayment for cars with higher OMVs is substantial. This amount of money can be easily utilised in other ways like investing this money in the stock m...

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