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Anonymous

15 Jul 2021

∙

General Investing

Good time to change unit trust portfolio from equity to bond from 60:40 to 80:20 now?

Change risk appetite, wonder now is a good time to change?

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1M45

15 Jul 2021

If u are ready to take on more volatility in portfolio, why not? High equity exposure = higher gain long term. What is your concern?

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Tan Choong Hwee

15 Jul 2021

Solutions Specialist at Providend

A rule of thumb for portfolio allocation is the "110 minus Age" or "100 minus Age" rule, so it is tied to your age as an indication of your risk tolerance. When you try to change allocation due to your view in the market direction, you are trying to time the market. Not exactly recommended from portfolio management perspective.

BTW, stock market seems to be breaking new highs frequently, the risk of correction and even crash is getting higher. If you really want to change allocation, shouldn't it be from 60:40 to 40:60 instead?

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