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Anonymous
Hey there Seedly community, I'm a 26 YO fresh graduate seeking investment advice. With current and recurring savings, what's the ideal investment portfolio allocation % you'll recommend?
A 26 year old fresh 🎓 who started working less than a year ago, and currently single. Probably living the S'porean dream - find a partner, marry, buy house, have kids, feed your family, retire. Minus influencer.
Current no debts (hooray!) and 10k in bonds. Another 70k in bank now with 1k monthly savings. I think high risk profile with time on my side and no huge expenses yet.
Hence what's the best portfolio allocation %? In terms of specific bonds, ETFs, REITS, growth stocks, blue chips, etc.
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Sloth@Work
17 Jan 2023
Independent Consultant & FIRE Mentor at Sloth@Work
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No single solution, everything is individual.
but the "don't's" are many.
read some of my thoughts here:
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Tip 1: Long-Only Investing for Retail Investors
- Invest in Stock & Bond ETFs.
- For Singap...
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With 70K in the bank, I would say put aside 6 months of your salary first as your rainy day fund. You can then allocate the balance sum to 50% high risk assets/ 30% medium risk and 20% low risk assets. Low risk assets would include buying T-Bills & Singapore Savings Bonds. High risk would include ETFs, stocks (I would buy those which have fallen a lot but still have fundamentals to grow long term - do your research carefully) and medium risk would include dividend paying safer stocks like the bank stocks and reits in Singapore. Again you have to do your research properly.