How should i start saving/ investing. How should my portfolio look like. how to go about building it? Option I am considering, Hire a advisor(who?). Buy another property..Just buy etf. How to split between cash bond and equities?

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Hi

Do you have any kids currently, if you do how young are they? As this is an important factor to consider while manging your portfolio.

When deciding on the strategy of your portfolio, you can consider going for capital appreciation at your current age and slowly rebalance it towards a pure income asset as you age, it's good if you start putting some surplus cashflow into such asset class now too.

A pure income assest is not simply an asset that generates passive income. Its an asset that gives income without becoming a liability.
Imagine if you are 70 with 3 properties to generate income.

To ensure they generate income you have to find tenants, continue with mainteance of the properties and also manage your tenants at 70. (Imagine at 70 your tenants calling and saying the water pipe broke, you have to get it fixed as it is your property.)

At this juncture, your property might become a liability to you.
This is why the rich hire a property manager to manage the many properties they have for them and also don't rent out all their properties.

There is also the risk of default from tenants. Hence property might not be the best option depending on your desired outcome. (Properties are still good investments and should have be in one portfolio, as they are a good hedge with the market!)

In cash, I recommend you to hold, up to 10% of your networth or 1 yr of income. (Split between emergency and opportunity cash)

Etfs are good but they will always be around the market growth. (Will you be okay with that? It’s back to your desired outcome)

Ultimately asset allocation of your portfolio should be aligned with your desired outcome and accordingly to your life stages and needs.

Split your portfolio, into the 6 common asset classes.
1. Cash/Bonds
2. Equites
3. Properties
4. Gold/Commodities
5. Insurances
6. Businesses

I know what I shared above is not detailed as I do not know your situation and goals fully, so if you have any questions, feel free to ask or we can meet and see if we are able to work together.

Blessed week ahead!