Your Career is Thriving – Now Let Your Wealth Do the Same

Introduction

Between endless meetings, tight deadlines, and juggling life admin, tracking the stock market daily probably isn’t on your to-do list — and that’s perfectly okay.

As a working professional focused on climbing the career ladder, Dollar-Cost Averaging (DCA) can help you climb the wealth ladder too, allowing you to smooth out market volatility and remove the pressure of timing the market — so you can grow your portfolio while staying focused on your goals.

Dollar-Cost Averaging (DCA)

DCA is a time-tested strategy where you invest a fixed amount regularly, regardless of market ups and downs. It’s simple, consistent, and versatile, especially when it is paired with a smart platform like KDI Invest.

The figure above compares two common investment strategies: DCA vs Lump-Sum Investing.

Why DCA works?

– Start investing regularly with small amounts: less stress, less procrastination.

– Reduces emotional investing.

– Smooths out market ups & downs.

For example: Imagine investing RM1,000 every month in U.S. equity ETFs. In months when prices drop, you buy more units. In months when prices rise, you buy fewer. Over time, your average cost smoothens out—and you avoid the stress of trying to “guess the bottom”.

Note: DCA is a sensible option for investors looking to manage risk, but it comes with trade-offs. For instance, it is not a solution for investments with a weak long-term outlook. If you are unsure whether DCA or a lump sum approach is best for you, we recommend that you speak to a licensed wealth planner.

At KDI Invest, you can start investing with a deposit of RM250 and add to it monthly. Note: KDI Invest has delivered up to 16.14%* of annualised returns this year!

Click HERE to enjoy less stress and more freedom with KDI Invest, as it is powered by robo-advisory, which helps you to manage your investment effortlessly, and you don’t need to keep watching the stock market.