All investment and lending money by nature are risky!Money already spent are safe from losing back to Mr. Market so spend your money wisely to make it safe! :-)Even investment bloggers who are supposed to be savvy enough to know the risk/reward are caught in Hyflux and lost their money. So what is the critical difference between whose retail investors/lenders who are badly affected - money management and position sizing!Don't ever invest or lend money significantly; if you haven't full understand 3M's Method, Mind and Money Management!Uncle8888 also tio Hyflux! Another zero begger. Three zero beggers liao!Blame MAS and SGX?Read? The Past Is Not Present And The Present Is Not FutureThose Hero stocks of 2009 - 2011 that helped to recover from 2007 to 2009 draw-down of - 53%Top

This article contains links to our affiliate partners. DollarsAndSense receives a share of revenue from your sign-ups. Adopting a disciplined approach to invest a fixed sum of our salary each month can help us start our investing journey and grow our wealth in the long term. Investing this way has two main benefits: 1) we do not time the market and 2) we are able to conveniently achieve dollar cost averaging (DCA). Timing The Market If we are trying to time the market, we will only invest when we think the markets are at a low or when they are going up. It’s virtually impossible for even the best fund managers and investors, let alone average investors like us, to determine when markets are at their troughs or when they are going to spike upwards. By investing a fixed sum each month, w