I don't exactly practice the 3 fund portfolio but have taken inspiration from it and adopted it to the Singapore context.
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1) a broad index
I personally DCA into the S&P500 and the world index. This makes up the bulk of my portfolio, much like the original 3 fund portfolio
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2) A local index
I am not a fan of the STI because it lacks growth and some blue-chips have higher yields.
As such, I choose to hold the Lion-Phillip S-REIT ETF and the 3 banks amongst some other blue-chip companies to replace buying into a local index.
3) A bond index
i do not buy any bonds and my reason being that I invest for the ultra long term (with retirement in mind). compared with bonds, CPF provides a much higher risk free rate. since liquidity is not a concern, I have decided to replace bond etf with CPF.
Additionally, I enjoy stock picking so I have some money on the side to invest in crypto and individual companies and also ETFs that give me exposure to China (because I find that the world index has insufficient exposure to China).
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I know that this deviates quite significantly from the original 3 fund portfolio. If you'd like to stick with the 3 fund portfolio, stick to DCA-ing into a world index, a local index (STI and S-REIT) and CPF. Hope this helps!
I don't exactly practice the 3 fund portfolio but have taken inspiration from it and adopted it to the Singapore context.
β
1) a broad index
β
2) A local index
3) A bond index
Additionally, I enjoy stock picking so I have some money on the side to invest in crypto and individual companies and also ETFs that give me exposure to China (because I find that the world index has insufficient exposure to China).
β
I know that this deviates quite significantly from the original 3 fund portfolio. If you'd like to stick with the 3 fund portfolio, stick to DCA-ing into a world index, a local index (STI and S-REIT) and CPF. Hope this helps!