Saving and Investing Regularly
Working towards your investment goals requires you to be disciplined about saving regularly and channelling part of this towards your investments. Investing a fixed amount at regular intervals is known as dollar-cost averaging.
Investing regularly can smooth out market highs and lows over time as this approach reduces the risk of investing a large amount in an asset class before an unexpected market downturn.
The graph below plots the investment journeys of two investors over 10 years. Both invest in the MSCI World Index. Investor A invests $120,000 upfront while Investor B invests $1,000 monthly for 10 years
Investing regularly can smooth out market highs and lows over time as this approach reduces the risk of investing a large amount in an asset class before an unexpected market downturn.
The graph below plots the investment journeys of two investors over 10 years. Both invest in the MSCI World Index. Investor A invests $120,000 upfront while Investor B invests $1,000 monthly for 10 years
Lump sum investing (Investor A) vs dollar cost averaging (Investor B)
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* Investment with CPF monies can only be made for CPF Investment Scheme approved funds. Subsequent regular investments can only be made after an initial minimum of USD 1,000 (or its equivalent) in the respective fund. Refer to the Fidelity Funds Prospectus for more details.