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Luke Ho
03 Nov 2018
Founder and Director at CFX Money Maverick Pte Ltd
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Hariz Arthur Maloy
03 Nov 2018
Independent Financial Advisor at Promiseland Independent
You have to choose if you're looking for growth or income.
If growth, US Equities can easily do 6-8% p.a in the long run. You can invest in an index fund or an ETF for this.
If income, most REITs or high yield bonds could also give similar returns. For HY bonds, using a dividend paying Unit Trust instrument would be ideal.
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Jacob Chong CFP
02 Nov 2018
Associate Director at PFP FA
Hi I guess you want to put you money in higher Risk vehicle because you are expecting that higher re...
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Hariz already talked about the asset allocation portion, so I'll talk about the Time part - you need to determine your time horizon.
If I wanted double digits annualized, which I could do pretty easily, frankly speaking - I'd still need a crapload of time (historically about 15 years with a leeway of 5-8 years).
5-7% is pie. It would depend on your objectives.
In summary, if I could share two 'metrics'
1) Goal - Consider your objective for wanting higher returns and stick with it.
2) Time - If your time horizon is shorter than 10 years, it could be a bit riskier to get that pot of gold at the end of the tunnel. You may want to talk to a consultant about the asset allocation so you have a higher probability of it not going to crap.
You could always drop me a message if you have any questions.
https://www.facebook.com/luke.ho.54