Should You Buy Unit Trust at a Low Price? Pros & Cons + The Power of Dollar-Cost Averaging

Investing in unit trusts when prices are low can be tempting—but is it always the best move? Let’s break it down.

Pros of Buying at a Low Price:

 Higher Potential Returns – Buying at a discount means more units for the same amount, boosting gains when the market recovers.
 Lower Entry Cost – You get more bang for your buck, reducing average cost per unit.
 Opportunity to Capitalize on Market Dips – Markets fluctuate; buying low positions you for future growth.

Cons of Buying at a Low Price:

 Market May Drop Further – What’s "low" today could go lower tomorrow—timing the market is risky.
 Emotional Investing – Fear and greed can lead to poor decisions if not disciplined.
 Not All "Cheap" Funds Are Good – A low price doesn’t always mean good value—fund performance & fundamentals matter.

The Smart Strategy: Dollar-Cost Averaging (DCA)

Instead of trying to time the market, DCA (investing fixed amounts regularly) helps you:
 Reduce risk – Avoids the stress of market timing.
 Smooth out volatility – Buys more units when prices are low, fewer when high.
 Build discipline – Encourages consistent investing, not emotional reactions.

Take Action Now!

Whether you’re a new or seasoned investor, a tailored strategy is key. Wealth Partner SK Lim can help you:
Assess the best unit trusts for your goals
Optimize your investment with DCA
Navigate market ups & downs confidently

 DM or call for a FREE consultation today!
 Contact SK Lim  www.sklim.com.my 017 542 6869

Invest wisely, grow steadily! 

   SK Lim
   Your Wealth Partner