Currently, my non-property portfolio is 80% one stock, and 10% in a mix of mostly-tech stocks, a minor amount in money market funds. How should I diversify?

Firstly, we need to have a complete understanding on our cashflow. Through this process, we will understand our earning ability and spending habit. Here is a guide to help you: https://www.blog.pzl.sg/understanding-your-pers...

Thereafter, we will need to understand the priorities that you have right now and the goals that you wish to achieve for your future. By spending quality time to understand more about you, we will be able to devise the right strategies to maximise the value of your money over time.

Next, we hear or read about diversification. But before we dive deeper into it, it will be helpful to understand your current portfolio, including its strength and weakness. From there, we can evaluate on some of the common ways to shift your funds around and make it stronger in most aspects.

Personally, I believe in the work of unit trusts. This is also how I grow my first pot of wealth to this end. With strong diversified funds and professional advice from global investment firms like Mercer and BlackRock, we create a portfolio that fits your objectives and risk appetite. This will definitely be a viable solution to complement what you have.

On the whole, by understanding your cashflow, we can build a strong diversified portfolio in sectors that you can afford the risk-return parity. This is best done when we know your goals - so that we keep your portfolio on track to reach it.

Here is everything about me and what I do best.​​​

Nitin! I feel you man. I worked at Merrill Lynch for over a decade, collected a bunch of their stock and my portfolio was heavily skewed! It's really common what you are going through. It's also a 'good' problem to have because most dont get this stock option.

It's nice to see you have a property, count this in the diversification man, its important to look at ALL assets and liabilities.

I would not fret about it too much, just work on diversifying out. So if your US company stock is in say Tech then start diversifying with ETFs. Maybe look at Asian markets, look at income etfs, Reit etfs and slowely grow them. If you are able to sell your US stock you can consider that but if not just work to diversify. The fact that you are aware and want to diversify is a huge step in itself. Its a good problem you have.

Consider -

Asia ETFs

Emerging ETFs

Income ETFs

I run Cafe Cash Flow - hit me up if you want to chat, I resolve exactly this with my clients!

https://cafecashflow.com