facebookHi, seek for some opinions here... Is this a healthy balanced portfolio??? My investment goal is long term growth. - Seedly

Anonymous

19 Aug 2021

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General Investing

Hi, seek for some opinions here... Is this a healthy balanced portfolio??? My investment goal is long term growth.

Looking at beyond 10-15years. VUSD 43.6%, 3067 31.8%, ES3 12.3%, A35 12.3%

Discussion (7)

What are your thoughts?

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Hi Anon, I like your idea of having a long term horizon and passive approach to growing your money.

I think that the allocation to VUSD is great. Personally I DCA into CSPX because it is accumulating and compound my money automatically and will save on commission fees. But if u like to recieve the dividends, VUSD works fine.

I feel that the allocation to chinese tech via 3067 is rather high. Imo chinese regulation is likely to last for next few years thus i would prefer a diversified exposure to chinese market. Thus i would suggest shifting some funds from 3067 to CNYA, which holds Shanghai listed A shares. These companies are not the target of recent regulations but are stull exposed to China's booming economy.

Additionally, I am not a fan of the Straits times index. I prefer to hold higher yielding dividend stocks such as REITs and the banks which are relatively safe investments as well. Thus I would diversify by buying into the 3 banks and a REIT etf as well.

Lastly, I am not a fan of bonds as well because they tend to underperform stocks in the long term. I would allocate this remaining 12.3% to higher growth stocks. If u'd like to recieve more payouts you can allocate to banks and reits as well.

Hope this helps!

Just a quick comparison:

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between STI, A36, CLR ETF.

STI , A36 dividend 2+ to 3% p.a

CLR dividend 4%+ p.a.

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To me, STI, A36, CLR no different in term of volatility, it is nothing when compared to US & chinese stocks. Thus i will go for a higher gain.

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VUSD , and 3067 is good

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Sg market are bond-like do not need to include A35, growth is bad, di...

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