RCA is a long-term investment technique where you invest a fixed amount of money into a given investment on a regular basis, regardless of the price. Practising RCA will also help you to reduce the risks associated with investing a single large sum at an inopportune time.

As an example, you can invest RM400 monthly for 12 months, instead of investing a lump sum of RM4,800. This can be done by setting up DDA and your RM400 will buy more units when the price is low, and fewer units when the price is high.

Please click here to see how an investor can average out the cost per unit held by setting up DDA.

You can incorporate the RCA strategy into your investments through Public Mutual’s Direct Debit Authorisation (DDA) or Regular Investment Authorisation (RIA) facilities.

DDA is an authorisation to the bank of your choice to deduct a predetermined amount of money to be transferred into the unit trust fund of your choice. For example, you can choose to transfer as little as RM100 on a monthly basis. The amount and frequency of investments can depend on your financial means and your investment goals.

• • Start investing as soon as possible to build a sizeable amount over time
• • Stay invested for the long term regardless of price fluctuations
• • Take advantage of DDA and RIA facilities to implement the RCA strategy