Hara and her SPAM v.2

Many investors, like Hal, swear by the peso cost averaging (PCA). But as the story of Honi shows, she earns more than Hal by using a modified version of PCA. This I call strategic peso averaging method  (SPAM©😆).

Hara, another UITF investor, earns more by tweaking the process a little more. She does topups on the uptrend, redeem at the peak, saves on the downtrend, and invests the redeemed amount plus the savings at the bottom of the market.

While using the same time frame and fund as Hal and Honi, her PSEI chart looks like this:

This is the result of SPAM v2:




Scoreboard update:

• PCA (Hal)=  5.82%
• SPAM (Honi) =  6.65%
• SPAM v2 (Hara) =  12.85%

Someone asked me why I don't like ETFs. Because it reminds me of the credit default options, and derivatives market which precipitated the 2008 global financial crisis. See here for example.

Anyway, as a bonus info just click on the FMETF tab on the above spreadsheet and see how much one can make on the same time frame used by Hal, Honi, and Hara.

Next up, we'll compare UITF and bluechips.