Rigid Investor

I used to be on the DBS cashback program. I already had salary crediting and a housing loan with the bank. With a token spending on the card, I had met the minimum 3 category criteria to receive about $45 worth or cashback per month. The rest of my funds were parked at either Maybank iSAVvy or StandChart e$aver, both which offers higher interest on fresh funds deposits. Rotating funds between the two accounts once every 2 months kept the "fresh" status. However, interest rates have fell significantly this year. Last checked, the 1-month SIBOR is only at 0.5%. Correspondingly, deposits at the accounts are returning only 1.3% for iSAVvy and 1.1% for the e$avers for amounts of $50k - 200k. For the DBS Multiplier, the interest rates gets a 0.2% boost when one more category is added. It's easy to add the investment category by setting up a RSP (Regular Savings Plan) to purchase the Nikko AM STI ETF monthly. Minimum amount is $100 only. Sales charge is 0.82%, meaning that about

Any investor would have made money in good times. When there are positive company guidance, a robust growing economy, increasing corporate and consumer confidence, optimistic forecasts and a bubbly market, higher stock prices are observed. Any investor could have lost money in bad times. When business conditions turn sour, corporate profits disappears, the economy goes into a tailspin, black swan events happen like an oil crash recently, and now facing a global pandemic in full swing, stock prices fall violently. The maxim "buy low sell high" is so simple to understand but in reality, not simple to put into practice. It conflicts with our natural human behavior. During good times, investors rejoice on their stock gains. A rising tide lifts all boats. Prices continuously goes up and making money is deceptively easy. Knowingly, this is when the market could be inflated and the risk is high. However, our desire for more pulls us to join the party. We sometimes let our g