facebookAm 40yrs & hv $100k available for investing. Wud the below portfolio make sense to invest and hold & also, lumpsum or DCA? *am a new investor. 50% ($50k) - VOO 20% ($20k) - VXUS 30% ($30k) - BND. Any advice? - Seedly

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Anonymous

04 Aug 2020

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General Investing

Am 40yrs & hv $100k available for investing. Wud the below portfolio make sense to invest and hold & also, lumpsum or DCA? *am a new investor. 50% ($50k) - VOO 20% ($20k) - VXUS 30% ($30k) - BND. Any advice?

Discussion (7)

What are your thoughts?

Duane Cheng

Duane Cheng

01 Aug 2020

Level 9Β·Financial Consultant at Prudential Assurance Company Singapore

Hi there,

In my opinion, your picks are okay. Vanguard has traditionally low expense ratios. Your exposure is quite balanced, between US Equities and Int. Equities.

BND is mostly structured around US Gov backed securities, so its a relatively conservative option. Depending on your risk appetite, if you are looking for more aggressive growth during this period, you can take up defensive ETFs. such as VDC or VHT.

Its a very challenging time on where to put your assets, as the market is quite overvalued at this point. Doing DCA with your capital, would be better at this point, in the event there is a downward shift you can still capture the price movements vs lump sum investing. Doing DCA also opens up your capital to enter the market, should there be an opportune time.

Hope i was able to shed some insight on your situation!

*This does not constitute as investment advice, please do your own due dilligence before investing, as there are risks involved.​​​

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