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)?

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.

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.