Anonymous
What is the best percentage of ETF, REITS and bonds for a passive investor's diversed portfolio with a high risk appetite?
I'm a beginner investor with a high risk appetite but am into passive investing and thinking of investing with Syfe. (Lump sum and will put a monthly of 500 every month)
I have read a few articles and they suggest to 70% ETF, (including 10-20% of REITs portfolio). 20% bond, 10% cash. I find that 20% for REITs is little. Any suggestions or comments on this? Thank you so much in advance!
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Syfe
22 Oct 2020
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Actually if you said 20% REITS is low, you kinda already have a portfolio framework on your end.
there's never a % that suits all, thus it will be best to go for your gut feel!
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Lin Yun Heng
19 Oct 2020
Senior Analyst at Delphi
Why bonds? If you are young there is no need for bonds as bonds weigh down a portfolio in the long run. If you are able to stay long term and weather market downtrends, there is no need for bonds as bonds are meant to allow you to sleep soundly at night. If you want to find out more, I wrote an article regarding why bonds may be unnecessary for a young investor here.
If you want the highest return, it is to allocate 100% into equities but of course since you are a beginner investor, you may start off with some other asset class to truly see your risk appetite.
If you want to find out more, do comment below!
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Since you are looking into Syfe:
If high risk, suggest go all in for Syfe's Equity portfolio. High weight of QQQ which is a tech ETF (30% from Apple, Microsoft & Amazon). Been with their REITs portfolio since Feb 2020 and returns average 2%, would recommend this if you have a lump sum of more than 20k so you the dividends received will be more substantial. Otherwise, lump sum and DCA $500 monthly into the Equity portfolio.
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If you want to have a higher risk, then don't include REITs. Just your base ETF, you could be choosi...
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Hi there! Thanks for your interest in Syfe. If you have a high risk appetite and a relatively long investment horizon, you may want to consider our Equity100 and 100% REITs portfolio instead.
Equity100 is a 100% equities portfolio that holds ETFs like the S&P 500 UCITS ETF, Invesco QQQ, iShares MSCI EAFE ETF and more. Overall, these ETFs give you exposure to over 1,500 stocks the likes of Apple, Amazon and Microsoft.
Our 100% REITs portfolio contains 20 blue-chip Singapore REITs. This portfolio is especially ideal for DCA. Purchasing S-REITs through your broker is expensive because of all the commisions you'll need to pay, more so if you DCA into REITs. However, all Syfe portfolios have no brokerage charges or trading costs. This makes our portfolios more cost efficient for monthly DCAs.
If you want to get a more personalised allocation plan, please feel free to speak with our friendly wealth advisors for a complimentary consultation! I hope this helps :)