The current lousy market sentiment provides an excellent opportunity. It is not often that we experience such bear market. While the length of the bear market is unknown to all, starting a regular saving plan (RSP) now is the best investment idea now. When doing an RSP, we hope that the market continues to go down so that there will be opportunity to buy at low points. To have a good RSP, it should fulfil the following:

1. RSP in a market that is volatile. This is to provide an opportunity to buy at low points;
2. RSP is a long term plan. Never RSP in something that is meant for short term. Instead RSP on regional or global markets;
3. RSP must be automated. For cash it will be GIRO. Never attempt to RSP manually because one's emotion can sabotage the RSP plan;
4. RSP large amount. If one would to RSP $100/month and assuming the bear period ends after 3 years, the total principal is 100*12*3=$3,600. Even an absolute return of 100% only translate to a mere $3,600 which is really not meaningful;
5. Finally after RSP is done, it is probably advisable to forget one's password and never look at the account statement until maybe many years later. The number 1 enemy to prevent a successful RSP is SELF. I suggest not looking at the account after 5 years.