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Asset Allocation Questions
Starting to put together a spreadsheet for asset allocation and a bit confused to how to allocate or classify certain assets:
Would you consider non-invested CPF savings as cash or bonds?
If you have only one property, would you include that as part of your asset allocation? I find that the huge value of property relative to other assets throw off the percentage allocations
How would you classify any unit trusts or savings plans? E.G. like a Prudential savings plan
What are other common categories you'd create aside from the usual cash, equities, bonds, gold, real estate?
Looking forward to hearing thoughts from the Seedly Community! Thank you.
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Tan Choong Hwee
18 May 2021
Investor/Trader at Home
Bond as CPF savings earn decent interest rates.
I exclude property for stay from my investment portfolio.
Unit trust can classify as equity and/or bond depend on what it invests in. I classify savings plans as insurance (not cash, bond, or equity) and treat them separately from my investment portfolio.
Perhaps crypto. Gold can be expanded to commodities.
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I would:
Ignore CPF, nothing i can do till 55.
Real estate, I will allocate it as "debt" in the portfolio. Becoz as long u can pay off the installment monthly, ur portfolio is healthy
Saving plan = cash. UT got 3 type, balance, equity, fixed income. Need to see the fund factsheet.
Equities, debt, cash