What are some good investments that you will choose to diversify your portfolio with?

Hi Clarissa, understand your own investment objective is key. You can start by asking yourself why do you want to invest. Once you know your investment objective, then you can start to select the instruments to invest in.

Broadly speaking, like many of us have mentioned, ETFs could be one of the options given that it is lower in fees and you can enjoy industry/sector diversification. One should also consider to diversify across countries as well.

-U.S. technology ETFs (VGT, SKYY, SOXX)

-Nasdaq 100 ETF (QQQ)

-U.S. biotechnology ETFs (FBT, XBI)

-China technology ETFs (CQQQ)

-Lion-Phillip S-REIT (CLR)

-Sweden mutual fund TIN Ny Teknik

-selected U.S. stocks (DHR, CSCO, AMGN, INTC, ORCL, MDT, ZBRA, KEYS, NEOG)

-Switzerland stock Roche (RO)

-Sweden stocks Fastighet Balder, Investor AB

... so, of course, under-diversified with too much technology exposure ...

I am guessing you are asking as a person who has savings in stocks and cash equivalents.

Moving beyond the two.

1) Commodities - Gold, silver, farm produce, oil etc. One easy way is to pick an ETF that invests into commodities. Please be aware that for the past decade commodities-wide ETFs have returned much lower than the market, but some investors continue to bet on it as each asset class are said to have their own cycles.

2) REITs - Singaporean are well acquainted with REITs due to SGX's position as Asia's REIT center. REITs are good except that it has a very high correlation with stocks. A big part of diversification is reduced correlation, which in industry term is "low beta".

3) Cryptocurrency - Unproven but has yielded handsome returns for early adopters.

4) Bonds - Could be a better option than fixed deposits

Best way to diversify is in different asset class, then in each asset class, choose different assets.

Not sure what's your age and hence risk tolerance, Clarissa , but this is what I'd do:

• SPDR® S&P 500 ETF Trust (SPY)

• Vanguard FTSE Emerging Markets ETF (VWO)

• Vanguard REIT ETF (VNQ)

• Fidelity® MSCI Information Tech ETF (FTEC)

• Vanguard Total International Bond ETF (BNDX)

• SPDR Gold Shares ETF (GLD)

• Cryptocurrency (Bitcoin, Ethereum etc)