“The best time to plant a tree was 20 years ago. The second best time is now”.

Be it S$100 or a million, it is always good to start early.

TL;DR- 3 key takeaways STI ETF: From past year data, lump-sum investors benefit if they invested before February 2017. Other than that, a regular monthly investor wins. For beginners: the dollar-cost averaging method such as a Regular Savings Plan can help beat advanced investors. For advanced individuals: knowledge can definitely help cut the cost of his investment and gives him an advantage in his investment positions. What is dollar-cost averaging?

Dollar-cost averaging is an investment technique of investing a fixed amount of money into a particular investment on a regular schedule. When one invests using a Regular Savings Plan, he is adopting such a strategy in his investment.

Pros of dollar-cost averaging Requires less time monitoring...