When to Enter & Exit the Market?

We don't recommend customers to market-time. Leave asset allocation and market-timing to the professionals. What the client should do is have disciplined, regular savings. There are various segments in unit trust - cash, bonds and equities. The fund manager will play with the ratio of what he thinks should be invested in each.


All you need to do is put your money and let them do the asset allocation for you. If they feel that the market is not ready, they may leave your money untouched in fixed deposits. If they feel the market is going up, then they'll probably increase the equity ratio.