Recommendations for Investing 550 - 600k given my profile

Hi there,

I am a permanent resident, married with 2 children (15 & 11).

Our current joint wealth is the following (in sgd) :

650k worth of Property in Europe (1 flat and 1 house)
400k in ETFs 80/20 (Stocks/bonds+gold) no stock picking, only lazy investing via ETF World, Emerg, Europe and Chinese bonds and Gold
30k in SRS
220k in CPF
and 550k-600k to invest (after sales of one of our property last summer) - object of the discussion

We are in our mid 40s and willing to retire in about 10-15 years. We are then in our accumulating phase not really looking for dividends so nearly all our ETFs are accumulating.

The intention is once retired to use as source of income mainly the sale of ETFs. Therefore I estimate the need of at least 3M before starting off this phase in order to have comfortable income.

I tend to believe that why bothering on investing in real estate (whether in Europe and even more in SG) when we can get great return investing on a ETF MSCI World or ETF S&P500.

I am also less and less convinced of the need of having necessarily Bonds in a portfolio : I don't see it anymore as a counter balance of stocks trend.

What do you think ?

What would you recommend for the investment strategy for my 550-600k ?

Thanks,

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Missing Q

17 Oct 2023

Perhaps you can look into ETFs that pays monthly dividends, such as JEPI or SCHD, SCHD doesn't pay monthly dividends, but it has dividends growth.

Other than that, you might want to look into funds that pays dividends and have growth in it. Might want to consider FundSmith for growth.

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Vivian Ho

14 Oct 2023

It is great that you currently have a diversified portfolio right now.

You can accumulate your monies with ETFs or Unit Trust, with dynamic asset allocation.

Managing a portfolio takes time and money and if you have neither the time nor interest, engage an Investment professional.

One that aims to protect portfolio value and helps you limit potential losses.

Personally, I help my clients to allocate their monies to safer assets during Bear markets. In Bull markets, the reverse happens where the safe assets are sold and proceeds reinvested to other asset classes to achieve higher returns.

If you would like to work with an investment professional that has a strong and proven strategy to navigate the markets safely, you may reach out to me in my LinkedIn.

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