facebookHow many percentage of one’s investment is recommended to put into S&P500/ robos/ individual stocks/ crypto? - Seedly

Anonymous

22 Jun 2021

Robo-Advisors

How many percentage of one’s investment is recommended to put into S&P500/ robos/ individual stocks/ crypto?

How do you split your portfolio?

Discussion (13)

What are your thoughts?

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Depends on your goals. My goal is retirement income, as soon as possible. I have:

  • 80% China, US, UK, SG individual dividend growth stocks

  • 20% China and US ETFs for growth (to save for being able to buy a house, pay for kids' education etc.)

  • 0% robos simply because I prefer to do my own picking

  • 0% cash (trash)

  • 0% crypto (while I definitely see the potential for future growth, I consider this a highly speculative, highly volatile and therefore high-risk commodity asset - simply too high risk for me currently but if I were 20 years younger then maybe I would put it around 5% max)

See alot of them telling how much percentage in all sorts of product. but actually we are looking at the returns % PA and would it be a passive cash flow income on monthly basics. the right tools give you average 75% PA and every 5 weeks passive cash flow sound perfer for me. ​​​

Personally i have about
41% of my portfolio in stocks
56% of it in robos
3% of cash

As my risk appetite is moderate, i opt for majority of my assets in a robo portfolio.

This is how i split my portfolio for your reference

  • 30% dividend counters inclusive reits, banks stocks

  • 40% Growth stocks (no dividend), tech, blue chips without dividend

  • 10% speculative/high risk inclusive cryto/ in trend stocks

  • 10% cash

But like what others mentioned, it boils down to your risk appetite and holding power.

Bang Hong

28 May 2021

Sustainable Spender Specialist at Spender Bang

I used to ask this question but the reality like what people mentioned really boils down go your kno...

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