Our personal finance blogosphere tends to focus on picking and investing in local stocks. This is understandable given that we have a tax-friendly regime and it makes sense to make full use of this home advantage, especially with REITs. And if you look the STI ETF (Index fund for the Singaporean stock exchange), it hasn’t seen much growth in the past decade. To be fair, this isn’t that bad, as we could dollar cost average and take advantage of the lower price by accumulating more shares during this period of market stagnation. And dividends would also make up for the poor market performance. Other bloggers have covered Dollar Cost Averaging into the STI ETF, with mixed results (here and here).  3.81% or 2.66% is hardly anything more to add about. But if you look at the S&P 500, over the past 2 decades are a different story: ......