Hi, have 2 portfolios. 1 is 100% stock and 2 -40% stocks, 60% bonds. All stock return is better. Need advise optimizing the latter one given no issue with risk appetite but stocks are high now?

Based on all historical evidence and my own experience, it is difficult and futile to predict where and how the market is moving in the short term. Rather than trying to optimise returns short term, we will have a better chance of reaching our investment goals over the long run by staying consistently invested in a diversified portfolio based on our risk profile. I would ask if you have 2 specific goals and that is why you set up the 2 goals? Because if it is the same amount you put aside into those two goals, effectively you just created one goal with 70% stocks and 30% bonds by doing that. You have to look at the individual goal but also your overall asset allocation. If you do not have specific goals and you are young and have risk appetite I don't see wh you should not increase your equities exposure. Alot depends on your personal circumstances - your age, your risk appetite, if you are working and still have income and your are saving and regularly investing your savings into the markets. As you invest regularly you can mitigate the risk of market timing and be more confident that your future investment (which is in cash and not earning anything right?) will be as big or bigger (if you are still young) than the total sum you have invested already. Which will help you frame the size of exposure and the opportunity in the future for you to manage the downside of markets and be able to invest through cycles. You can read more about market timing in this article I wrote here. Hope it helps!

The market correction could come now or never,

holding too much cash to wait for the right moment

to buy typically leads to underperformance.

just stick to the Averages (passive index ETF investing, periodically re-buying, holding for ultra-longterm).

what else to avoid:

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