facebookAssuming a 30 yo single, self-employed, male with a high risk appetite and 7k/monthly active income, now had 1 millon dollars extra in cash, would this portfolio makeup be sensible? - Seedly

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Anonymous

09 Jun 2019

General Investing

Assuming a 30 yo single, self-employed, male with a high risk appetite and 7k/monthly active income, now had 1 millon dollars extra in cash, would this portfolio makeup be sensible?

  • 500k in REITS yielding 6% per annum on average
  • 300k with leverage into a private property
  • 200k of fcf (Includes emergency funds of 1 year expenses)

Discussion (3)

What are your thoughts?

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I’m not sure if what I’m doing is right. But I would first take property if it is home stay, and emergency cash out of the equation, as I consider these none tradable investments. Then distribute the remaining amount into a mixed portfolio. Leave property in if it is a second property.

While you mention you have a high risk appetite, what is your holding period like? Imo it's too highly weighted on property. Additionally, does the private property have a high rental yield, or for your own stay?

I would look to diversify it further into equities, ETFs, bonds etc.

Hariz Arthur Maloy

08 Jun 2019

Independent Financial Advisor at Promiseland Independent

Dude you're way too exposed to just one asset class, property. I'd limit property to about 40% of yo...

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