facebookI currently have a 80/20 portfolio with Endowus for long-term investing. Should I also open a 100% bond portfolio if I need the funds in the short term (3.5 - 4 years)? - Seedly

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Anonymous

07 Aug 2020

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General Investing

I currently have a 80/20 portfolio with Endowus for long-term investing. Should I also open a 100% bond portfolio if I need the funds in the short term (3.5 - 4 years)?

Discussion (5)

What are your thoughts?

I would disagree. Bonds promised stability what even during the Covid crisis worked. But generally the outlooks are not beautiful for bonds, some think even of a corporate bond bubble building up.

Shengshi Chiam, CFA

Shengshi Chiam, CFA

07 Aug 2020

Level 10Β·Personal Finance Lead at Endowus

Hi anon,

That sounds like a good idea, given that a 4 year time frame will even out the credit and duration risk of the bond portfolio.

Also, just FYI our bond portfolios are SGD hedged so you do not have to worry about FX fluctuations eating into your returns.

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Chua Wei Yi

Chua Wei Yi

06 Aug 2020

Level 8Β·Seedly Student Ambassador 2020 at Seedly

Diversity is key. Since you need it in 4 years. It is okay to go for bonds. And I agree with the pla...

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