After deciding to invest, you still have to choose how frequently you want to add to your investment and whether you want your interest paid out regularly. Growth vs. Income You have to decide whether you would prefer your savings to keep increasing or whether you want regular payments. If you would like to increase your savings, you are advised to reinvest your dividends into your fund. However, if you need to have a steady income for everyday spending or other purposes, you can choose to have your dividends paid out. You can also combine both options. Lump Sum vs. Regular Savings You have to decide on how frequently you want to invest, and the amount. If you have a lump sum to invest, you may want to make a one-off investment. However, you can also choose to invest a regular amount from your salary, or just make payments whenever you have excess cash. It is up to you to decide what you can afford and what is realistic for you, keeping in mind your financial situation and investment goals.