Invest in STI ETF

Somehow, I remember there is ETF to invest again, and I did a research online, most of posts were written during market downturn, no much discussion this year (is it because human being easily to forget mistake?) 

The popular strategy is "Average Dollar Cost", you may refer to this analysis. But even we are patient enough, we have very high possibility to get a positive return, that doesn't mean this strategy is really attractive. 

I took STI ETF (ES3) historical data as example. If keep regular same dollar amount investment since day one, the overall return till now is 8.77% (for almost 4 years, I don't think this return is attractive). Another strategy, if we use "Reverse Dollar Cost Strategy", that's to invest more dollar amount when market price getting lower, the overall return till now is 15.79%, slightly better. 

(all the calculation eliminates transaction cost and dividend)

Of course, both strategies above is "Buy and Hold" strategy, if we buy low and sell high, that maybe different. I still believe it's somehow possible. It needs more patient!!! If we buy at 1.6 and sell at 3.6, then return will be 125% in 4 years time. 

So the conclusion is, nobody can predict market trend, but we know the lower the price, the safer of our investment, just to be patient and wait for BIG chance, maybe years!