It’s been a long wait but the returns after fees on our SG robo-advisors (Smartly and StashAway) accounts are finally in the negative territory consistently. The net amounts are hovering around less than 5% after accounting for dividends, funds performance and currency impact. I’m saying this with a sense of relief because my Smartly and StashAway investment strategy of dollar-cost averaging every month and value-cost averaging when the markets dip now has a higher chance of working out.

As a heavy net buyer of ETFs every month with salary income and no capital withdrawals, I prefer equity markets to be less expensive when I buy in. Market dips and crashes just mean I get more value for our money. I have been slowly increasing our automated monthly investment amounts in the various bank monthly investment plans and robo-advisor accounts. I do this every time I see consistent negative returns on …