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
๐ง 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.
๐ก 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.
๐ฃ️ In Khmer (แាแាแាแ្แែแ)
✅ แែแแាแแិแិแោแ $100 แ្แុแแួแแែแោแแ្แ័แแ្แแแ្แិ
๐ แើแាแាแข្แី?
แข្แแแ្แើแាแแិแិแោแ $100 แាแៀแแាแ់แែแៅแើ ETF แួแ (แូแ
แា VXUS แฌ SCHD) แោแแ្แ័แแ្แแแ្แិ។ แាแ ៅแា Dollar-Cost Averaging
(DCA)។
แข្แแแិแแេแแោแ แិแแេแแ្แៃ —
แាំแฒ្แแាแแแ្แៃแแ្แแแ្แข។
๐ฏ แขแ្แแ្แแោแแ៍
- ✔️
แិแแ
ាំแាแ
់แแ្แแ៍แាแแាแួแแិแแេแแា
- ✔️
แួแแแ្แើแแข ะฟัะธะฒัั แិแិแោแแ
្แើแแ
- ✔️
แួแแាแ់แแ្แแแ ាแិแ័แแី แ្แាแแกើแแ
ុះ
- ✔️
แុแแแแ់แข្แแแขាแ
แូแแាแ់แាแួแแាแแ្แាแ់แแ្แែแ
๐ แแៀแแ្แើแៅแើ Schwab
- แើแแแแី Schwab (Brokerage แฌ Roth IRA)
- แแ្แ
ូแแុแ แฌแ្แាแ់แแាแាแ
- แ្แើแ ETF (แง. VXUS, SCHD, VTI…)
- แ
ូแแៅแំแ័แ Buy
- แ្แើแ៖
- Frequency:
Monthly (แៀแแាแ់แែ)
- Amount:
$100
- Start
Date: แ្แៃแី n แ្แុแแែ
- แแ្แាแ់แាแแាแ → ✅ แួแ
แាแ់!
แេแแេះ Schwab แឹแแ្แើแាแแិแិแោแ $100 แ្แ័แแ្แแแ្แិแៀแแាแ់แែ។
๐ 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!