Basically i don't invest in stock market. Why? Because they are tons of stock you need to do research and it consume your time and energy to find a winning stock. So i decide to choose invest in unit trust. Concentrate in one market.

Buy and hold strategy didn't work in modern stock market today. Unless you are really long term investor like warren buffet. But if you buy at the high price, that's mean you are really become long term investor. Hold until hope it become breakeven.

Dollar cost averaging method also didn't improve the performance. Basically you are sell on strength and buy on weakness. But the problem is you will miss the uptrend stock and buy the weak stock.

Rebalancing portfolio only improve 4 -5% compare to buy and hold method. Cannot help much.

Market timing method is widely use by trader and fund manager start on 1980. This is the only method i used and it require trader skill.

So investing in unit trust is a good place to start your investment life. Capital not much and you can practice your skill.