facebookHey 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? - Seedly

Anonymous

05 May 2021

Retirement

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.

Discussion (12)

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Sloth@Work

17 Jan 2023

Independent Consultant & FIRE Mentor at Sloth@Work

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.

No single solution, everything is individual.

but the "don't's" are many.

read some of my thoughts here:

https://seedly.sg/questions/what-is-your-genera...

Tip 1: Long-Only Investing for Retail Investors

  • Invest in Stock & Bond ETFs.
  • For Singap...

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