u/ZhhTeo

I’m trying to fully automate my FSMOne's RSP (using the Cash Account RSP [e-mandate] + ETF RSP). However, I've hit a timing issue with my payday:

• My Payday: 25th of the month.
• E-Mandate: Rigidly pulls money 4 business days before the 15th, afaik we can't change this date.

If I want to fully automate this, my cash has to sit idle in my basic savings account from the 25th to the 10th of the next month just waiting for FSMOne to grab it.

Currently, what I can think of is just manually depositing the amount to FSM myself the moment my salary hits, then let the ETF RSP (probably set to 8th every month) do its thing.

For those of you with late paydays who use FSMOne's fully automated RSP, what does your monthly timeline look like?

Curious to know how you guys sequence your dates to keep things automated and smooth, and also if there's anything that I missed out.