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Anonymous
I'm 36 yr old. Newbie in investing so I have lots of catching up for my retirement.
After reading through articles through seedly ( thank you to all the community for the advices ), I started to DCA with Syfe. 400 for Equity100 (for growth) and 100 for REIT+ (for future passive income).
But I recently came across an article saying that these are satellite portfolios and it's best for me to have a core portfolio whereby I have bonds and also gold.
I have 1yr of emergency fund
Any advice? 🙏
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Lin Yun Heng
22 Nov 2020
Senior Analyst at Delphi
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No, gold is meant for hedging and bonds honestly the returns are subpar, it's more to reduce the volatiltiy.
and for reits, to get a decent passive income, you need a huge capital. so if i were u, i'll go all in for syfe100 to get more growth first, think about passive later.
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Hello,
**TLDR: For your core portfolio, consider a broad market ETF like VTI and VOO, and at least ...
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You have to see what's the purpose of the gold and bond. For most people who have amassed a huge capital in their working years (eg a 45 year old with 500k savings) and you want to let it grow decently without taking too much downside. These kind of person may want to include some bond and gold to hedge against the systemic risk of the market since gold and bond are safe haven assets (negative beta) which means the returns are negatively correlated to the stock market.
But you must understand that gold and bonds are depreciating assets while stocks appreciate over time due to the underlying business. If you are sure of what you are doing and the inherent risk you are subjected to by investing in stocks (equities), i dont see a point in gold or bond as they weigh down returns over the long run. So it depends on you. Whats your goal, your retirement age etc. Best to have it planned out by doing so with a financial advisor. If you need any help, do let me know!