Hi Sam, if you’ve a fund of SGD1M (cash & CPF): 1. How’d you allocate the fund?Cash (market correction) stocks bonds gold/silver insurance emergency fund 2. What’s the ratio if we include property?

It really depends on your personal circumstance and financial goals and the time frame in which to invest. In general I like to be fully invested. The purpose and best use of Endowus as a wealth platform is to manage your Core Wealth - the core passive srategic asset allocation to equities and bonds, that give you globally diversified exposure and at the lowest cost achievable. In that sense, I would typically allocate at least 7090% of my investment portfolio to core assets. I don't believe in market timing so I invest regularly from my monthly income or lump sum investment as lump sum almost always wins DCA. With some exposure to non-core satellite investments in illiquid assets like real estate, venture capital and private equity type opportunities. I would set aside about 612months of liquidity to short dated fixed income or 100% fixed income or cash management accounts such as Endowus Cash Smart solutions that can give you 1~2% yield still. Property normally is a sizeable portion of anybody's portfolio and if you are living in it then I would not count it as an investment portfolio. It is almost like an insurance product unless it is your second home for investment or yield. In which case the yield is what I focus on for property. I wrote a piece on market timing & lump sum vs DCA here so please take a read!

Hi friend, do note that Sam is a chairman and CEO of a sucessful business and not a financial advisor.