Anonymous
How many % of assets to property, stocks and bonds? Also, for equities, how do I allocate how much or % to put in a stock? Thanks!
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Elijah Lee
11 Nov 2019
Senior Financial Services Manager at Phillip Securities (Jurong East)
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Paridhi Jhunjhunwala
11 Nov 2019
Associate at Kristal.AI
Hi!
Asset allocation is a subjective topic and will be impacted by various factors including age, income, goals, risk appetite etc.
As per myself, I prefer a 60% allocation to stocks, wherein I restrict myself to not more than 10% in a particular scrip to keep myself well diversified. I also restrict myself to 20% in a particular sector so that I can have a market proof portfolio.
From the remaining 40%, I keep 15% for emergency “rainy day” funds in a savings bank account. Another 15% is allocated to my insurance needs and the last 10% is used to exploit upcoming investment opportunities like robo-advisors, cryptocurrencies, REITs ets.
You can adjust the above percentages based on personal preference and risk taking capacity.
I work at kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.
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Royalchem
05 Nov 2019
Project Officer at Security Related
Depend on your own rsik appetite.
For me is
50 % stock (70 % SG, 30 % US)
20 % insurance product ...
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No fixed answer for this. But as a general guideline:
As to how many % into each asset class, there's really no right or wrong answer. Some people swear by property investments. Others, by equities and bonds.