I have the similar thoughts about whether to add STEM and CTP to my portfolio. I'm nearing most of my savings goals, so time to look around at what else I might want to invest in.

I have a dilemma about Actifit ... maybe time to sort out what I'm doing and move my actifit posts back to my Hive account@susie-saver alt savings account.

A dip is a great time to build your account. I'm all for dollar cost averaging purchasing, and ideally for a regular small amount. In the UK, I suggest the price of a cup of store bought coffee, something that is not essential and you could easily replace with home-made at a fraction of the price.