I'm a fresh graduate with no debts, and 50k in bank and 1k monthly saving, how would you recommend my investment portfolio?
Hi all. I am making some financial planning since i've just graduayed and am beginning to work, invest and save. Any help on an ideal investment portfolio? I'm looking at constructing a portfolio of ETFs; growth stocks; value stocks; SSB etc. Thank you.
If you really want a steadily-growing and diversified portfolio, you should start by not putting all your eggs in one basket. Building a successful portfolio requires thought and you must analyse each and every one of your investments rigorously before you invest. You might find this process daunting, which is why it is more beneficial to build your investment portfolio slowly over time, rather than rushing into making a ton of investments quickly. Allow yourself the time and space to grow and learn before diversifying or rebalancing anything. Of course, if your advisor tells you to do something specific, you should certainly take that into consideration too!
You're lucky to have graduated without any debt! You may want to take care of your insurance first before doing any sort of investment.
There is no 'ideal' investment portfolio. It really depends on you and your risk appetite. However, as you are young, you are able to take on more risks, and thus you may consider having less bonds and more stocks /REITs! Make sure that you do your due diligence before investing. If possible, go for investment courses that are sometimes offered by our local investment bloggers!