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Jim

18 Jun 2021

General Investing

How should my investment portfolio be like?

I’m a fresh graduate, age 25, and have just stepped into the workforce. I’m intending to invest the savings that I have accumulated over the years.

How should my investment portfolio look like? What percentage in stocks, ETFs, roboadvisor and insurance savings plan?

Could you share your portfolio allocation as well as the stocks and ETFs you invest in?

Discussion (6)

What are your thoughts?

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Just AVOID investing in STI index in your initial investing phase or blue-bruised local chips (etc singtel/singpost) and you are already half way there

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How to craft your portfolio

1) define your timeline and financial goal.
Eg. Now u got $10k, u want to get $50k in 5years OR i want to have a yearly passive income of $1k in 2 years etc

2) Select your instruments. ETF, stock, robo, unit trust. (No insurance saving plan, please🙅‍♂️)

3) Roughly calculate based on the annual return, see ur selection can achieve your goal (1), allocate accordingly.

My portfolio (roughly)

70% US stock + ETF (Tech heavy) + 30% SG reits, bank fixed income fund

Amzn, goog, tsla, msft, appl, XLK, XLY, XLC

Individual reits, reit etf, CLR, 3 banks, allianz growth & income fund.

LIFE HACK
If you get too confuse, and want to keep it simple, just Buy and Hold 1 x S&P500 ETF. Will save all the trouble.

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Since you are starting out and are young, you can afford to take on a higher amount of risk as compa...

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