That’s a great strategy, Sarim! Investing $100 per month automatically is called "dollar-cost averaging (DCA)", and it's a smart way to build wealth slowly, safely, and steadily — especially if you're just starting out.
Here’s a full explanation in English and Khmer,
plus how to set it up on Schwab.
✅ Plan to Invest $100/Month
Automatically
🧠 What is It?
You're choosing to invest the same amount ($100)
every month into a stock or ETF (like VXUS or SCHD) without needing
to decide when to buy.
This helps avoid buying all at once at a high price. You buy
some shares when prices are low, and some when prices are high,
which averages your cost over time.
💡 Why It's a Good Idea
- ✔️
You don’t need to time the market
- ✔️
It builds the habit of consistent investing
- ✔️
You reduce risk from market ups and downs
- ✔️
Over time, your money grows with compound interest
⚙️ How to Do It on Schwab
Step-by-step to set it up:
- Open
a Schwab Account (if not yet)
- Choose
a Brokerage Account or Roth IRA (for retirement).
- Deposit
Money or connect your bank
- Choose
an ETF (like SCHD, VXUS, VTI, SCHB…)
- Go
to the ETF’s Buy Page
- Select:
- Frequency:
Choose “Monthly”
- Amount:
$100
- Start
Date: Pick the day of the month
- Confirm
the order → ✅ Done!
Schwab will now automatically invest $100/month into
your chosen ETF.
🗣️ In Khmer (ជាភាសាខ្មែរ)
✅ ផែនការវិនិយោគ $100 ក្នុងមួយខែដោយស្វ័យប្រវត្តិ
📌 តើវាជាអ្វី?
អ្នកធ្វើការវិនិយោគ $100 ជារៀងរាល់ខែទៅលើ ETF មួយ (ដូចជា VXUS ឬ SCHD) ដោយស្វ័យប្រវត្តិ។ វាហៅថា Dollar-Cost Averaging
(DCA)។
អ្នកទិញពេលថោក និងពេលថ្លៃ —
នាំឲ្យមានតម្លៃមធ្យមល្អ។
🎯 អត្ថប្រយោជន៍
- ✔️
មិនចាំបាច់ទស្សន៍ទាយថាគួរទិញពេលណា
- ✔️
ជួយបង្កើតអ привыч វិនិយោគច្រើនៗ
- ✔️
ជួយកាត់បន្ថយហានិភ័យពី ផ្សារឡើងចុះ
- ✔️
លុយរបស់អ្នកអាចលូតលាស់ជាមួយការប្រាក់បន្ថែម
🛠 របៀបធ្វើនៅលើ Schwab
- បើកគណនី Schwab (Brokerage ឬ Roth IRA)
- បញ្ចូលលុយ ឬភ្ជាប់ធនាគារ
- ជ្រើស ETF (ឧ. VXUS, SCHD, VTI…)
- ចូលទៅទំព័រ Buy
- ជ្រើស៖
- Frequency:
Monthly (រៀងរាល់ខែ)
- Amount:
$100
- Start
Date: ថ្ងៃទី n ក្នុងខែ
- បញ្ជាក់ការជាវ → ✅ រួចរាល់!
ពេលនេះ Schwab នឹងធ្វើការវិនិយោគ $100 ស្វ័យប្រវត្តិរៀងរាល់ខែ។
📌 Bonus Tip:
You can change, pause, or stop anytime. But staying
consistent for years is the key to long-term growth.
Want help choosing which ETF to set up for your
$100/month plan? I can recommend some strong beginner-friendly ETFs. Let me
know!