係咩情況月供基金好．．定係一筆過好．．？

月供係升跌都買，將一舊錢折為每月入市，風險相對是降低左的。只要該基金長線上升，就有賺了。

至於一筆過，就要睇準時機，當然比月供是賺得快 / 多一點。但風險是相對高的。

1) when the market fluctuates over time or when the market goes down. So u can buy more units when price goes down and less when price goes up. Over the time u will hold more units and just wait until market goes up. This is called Dollar Cost Averaging. This often works based on these factors: (i) discipline in making regular contributions; (ii) time horizon; (iii) diversification across various asset classes; (iv) and professional management.

2) when the market has an upward trend with less fluctuations, lump sum investment is preferred.

因人而異，因市而異．
沒有劃一答案，關鍵是什麼你自己適合什麼．
投資前，何不先找個信得過的理財顧問幫你做個全面理財分析才決定究竟怎投資才切合自己需要呢？
因為不同人，情況不同，玩法可以很不同．

月供計劃可以運用平均成平法。
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