You might assume that the best way to increase your net worth is by working hard and putting every dollar you earned into investments to grow as fast as you can. Some of you might stick to dollar cost averaging with the combinations of ETFs(STI and ABF SG Bond). Some of you might try to build a resilient portfolio of stocks immediately and micro manage them individually. New investors tend to jump into the investment bandwagon thinking that time is money and hence investing without knowledge is still better than not investing. I completely disagree with this notion. Although on paper, those might look appealing, they might not always work. Systematic risk, interest rate risk, inflationary risk, liquidity risk and political risk are real risks that can wipe out your small initial investment very quickly. Mr Market is emotionless. I know of some friends who have built amazing portfolios of ......