facebookHi, what would be a good investment portfolio for someone in her early 30s with $250K in total savings? Are short term saving plans eg. lock up capital for 3-5 years with 2-3% returns good? - Seedly


05 Mar 2020



Hi, what would be a good investment portfolio for someone in her early 30s with $250K in total savings? Are short term saving plans eg. lock up capital for 3-5 years with 2-3% returns good?

Been trying to start investing but I’m still getting lost with all the terms and methods. Slowly but surely! Considering a private property too.

Discussion (9)

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It all depends on your risk tolerance. 2-3% seem already quite nice, in the end it would be yourself to state if 2-3% are enough. subtract for seeing net returns also inflation rate.

For the U.S. broad stock market (S&P500) super-longterm performance over decades was 6-7% anually, for the last decade double that. 'Expert' wisdom recommends cautiously that you should not invest into stocks only, and to globally diversify the stocks allocation. and they believe that the mentioned annual stock market performance for the coming yesars will drop again significantly to maybe 3-4%.

If you decide to go for stocks, ETFs tickers SWRD or ISAC would be among the most conservative, balanced and cheapest choices. Never buy unit trusts/mutual funds.


I have written two texts as an introduction to investing here (but do not follow the mentioned technology investing mentioned there).





All depends on Your risk tolerance and Your investing horizon.

With an investment horizon of more than 10 years (money locked up in this period, and not subjected to 'panic crash selling') major global stock asset allocation could be long-term more successful than other cateogories. Passive global indexing via cheap and large stock ETFs would be an excellent choice.

more on my thinking here:


Pang Zhe Liang

07 Dec 2019

Fee-Based Financial Advisory Manager at Financial Alliance Pte Ltd (IFA Firm)

Firstly, we need to have a complete understanding on our cashflow. Through this process, we will understand our earning ability and spending habit. Here is a guide to help you: https://www.blog.pzl.sg/understanding-your-pers...

Next, decide how you want to live your life in the long-term. This is beacuse we have about 30 years of life left before we retire. In a blink, a quarter of our life is already gone. Hence, it will be important to start planning for the long-term, e.g. retirement. Additionally, discover any other goals that you may have, e.g. a property in 2 years' time.

With a well-defined goal, understand the tools available to help you. For instance, you may consider a life annuity for your retirement alongside with some investment in bonds, equity, or a balanced portfolio.

For the short-term goals, diversify your money across bonds, endowment, or even fixed deposit.

All in all, take your time to understand what you want. It is only when you have a clear objective, then we can work out ways to help you achieve your goals.

Here is everything about me and what I do best.

Wow, kudos to the amount of savings at such young age!

For me, with that amount of money, i will choose to spend into learning and gaining proper knowledge in investing. It will not cost you alot. But investing without a proper knowledge will definitely cost you a tons.

Then, i will choose to park most of the money into dividend paying investment. I like the most is REITS. Of cuz provided you must really understand how to value REITS.

Also i will use a smaller amount example 50k into stock market. I will go for high quality growth stocks. This will help you to compound your money faster.

Lets say you park 200k into dividend assets which give you 5% yield, this will give you 10k per annum. Not too bad. If you do not need the money, reinvest it will help you to compound even faster.

After all, only invest the amount that you can afford to lose. Make sure you set aside emergency fund before allocating into investment.

Last but not least, best thing to do now is to equip yourself with a proper investing skillset.

Arpita Mukherjee

05 Nov 2019

Community Evangelist at Kristal.AI

Hi Anon,

Building a successful portfolio requires a lot of thinking through and you must analyse e...

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