Although the minimum trading unit for US stocks is 1 share, which is smaller compared to the 1 lot requirement for Hong Kong stocks, some US stocks, like Google, had prices exceeding $2,800 before stock splits. Therefore, even purchasing 1 share can require significant capital, which may not be feasible for all interested investors. As a result, investors can consider using a monthly investment approach to lower the investment threshold and buy quality US stocks. Here are the recommended monthly investment stocks:

1.Amazon (AMZN)

As a global e-commerce leader, Amazon has a market capitalization of $2.357 trillion, with businesses spanning cloud computing, advertising, and retail. Over the past five years, the stock has risen by +136.24%. As of January 3, 2025, the stock price is $224.19.

2.Google (GOOG)

The parent company of the tech giant Google, Alphabet has a market capitalization of $2.355 trillion, covering areas such as search engines and advertising. With strong market demand, the stock has increased by +182.48% over the past five years. As of January 3, 2025, the stock price is $193.13.

3.Netflix (NFLX)

As a leading global streaming platform, Netflix has a market capitalization of $376.612 billion. The stock has risen by +167.14% over the past five years, with a steady growth in subscription users. As of January 3, 2025, the stock price is $881.05.

4.Tesla (TSLA)

As a leader in electric vehicles, Tesla has a market capitalization of $1.318 trillion, with a staggering increase of +1,330.90% over the past five years due to continuous technological innovation. As of January 3, 2025, the stock price is $410.44.

5.NVIDIA (NVDA)

As the world's largest graphics chip manufacturer, NVIDIA has a market capitalization of $3.538 trillion, benefiting from rapid growth in artificial intelligence and the gaming industry. The stock has surged by +2,308.74% over the past five years. As of January 3, 2025, the stock price is $144.47.

6.Microsoft Corp (MSFT)

As a multinational software giant, Microsoft has a market capitalization of $3.148 trillion, with operations in cloud computing, AI, and business solutions. The stock has risen by +163.57% over the past five years. As of January 3, 2025, the stock price is $423.35.

Suitable Investors

1.Passive Investors

For those who do not wish to spend too much time researching stocks, investing in ETFs (Exchange-Traded Funds) is a great option. By purchasing an ETF, investors can simultaneously invest in all component stocks, bonds, and other assets within the fund, achieving corresponding returns.

2.Conservative Investors

Those seeking stable returns might consider blue-chip stocks, which typically exhibit stable performance and have the potential for regular dividends. Many blue-chip stocks in the US are leaders in their industries and possess strong risk-resistance capabilities. For Hong Kong stocks, while blue-chip stocks may have higher entry costs, investors can gradually build a blue-chip portfolio through monthly contributions.

3.Income-Focused Investors

Many investors in Hong Kong may choose to accumulate income-generating assets through a monthly investment strategy, such as public utility stocks and REITs (Real Estate Investment Trusts). Public utility stocks generally have stable income and share prices, while REITs are required to distribute a significant portion of their profits to shareholders, offering attractive dividend yields.

Advantages of Monthly Investment via uSMART

Choosing the right investment platform is crucial for dollar-cost averaging in stocks. Investing through the uSMART platform offers several significant advantages:

1. Commission-Free Trading

uSMART provides commission-free trading services, meaning investors do not have to pay commission fees for each stock transaction. This is particularly important for investors making regular investments, as accumulated commissions can significantly erode long-term returns. By investing through uSMART, you can allocate more funds to actual investments.

2. No Platform Fees

Besides commission-free trades, uSMART does not charge platform usage fees. This allows investors to enjoy a lower cost structure in long-term investments, further enhancing investment returns. This is especially beneficial for frequent small investments, as the absence of platform fees effectively reduces overall investment costs.

3. No Custody Fees

uSMART also offers the advantage of no custody fees, meaning you do not need to worry about management fees for account funds. This exemption provides investors with greater flexibility to manage liquidity and investment strategies.

4. Convenient Investment Experience

The uSMART platform features a user-friendly interface, allowing investors to easily set up a monthly investment plan and automate their investment process. The platform supports various payment methods, enabling investors to adjust their investment amounts flexibly based on their financial situation and investment goals.

5. Support for Fractional Shares

uSMART allows investors to make fractional share investments, meaning you can invest according to your set monthly amount even if you do not have enough funds to buy a whole share, further lowering the investment threshold and enabling flexible allocation.

How to Purchase Monthly Stocks on uSMART

Step 1: Log into the uSMART HK app and click "Trading" at the bottom right of the page.

Step 2: Click on "Dollar-Cost Averaging" in the second column of the page and select "All Dollar-Cost Averaging Stocks."

Step 3: Choose your desired dollar-cost averaging stock, select the investment amount, deduction method, and deduction date, then create your investment plan.

Once confirmed, the investment plan will take effect in real time.

(SOURCE: uSMART HK)