facebookWhat would be the recommended portfolio diversification in terms of % across the different kind of investment instruments for someone new to investing? (Age range: 25-35)? - Seedly
Seedly logo
Seedly logo
ย 

Advertisement

Anonymous

18 Apr 2019

What would be the recommended portfolio diversification in terms of % across the different kind of investment instruments for someone new to investing? (Age range: 25-35)?

1

    Discussion (1)

    What are your thoughts?

    Kenneth Lou

    Kenneth Lou

    10 Jul 2018

    Level 14ยทCo-founder at Seedly

    When it comes to investing, you will have to ask yourself a some very crucial questions:

    • How much risk can you bear?
    • What is your time frame?
    • How much time are you willing to spend to invest (expertise)?

    Once you ask yourself these questions, you will be able to then select investment products based on your risk tolerance, time frame and expertise.

    โ€‹

    For the age range, 25 - 35 years old, I am actually in that age segment too, here are some you can consider:

    • Robo-advisors (for exposure to US and global market indices at low cost)
    • STI ETF (via RSP and investing in local SG market index movements)
    • REITs and Blue Chips (stable dividend paying stocks)
    • SSBs (to beat inflation in the long run)
    • Fixed Deposits (for time value that you may need for children's expenses etc at year X)

    This is because:

    • I can bear more risk (as the amount set aside is outside of my 6 months emergency funds and planned expenses)
    • I can ride out a longer time frame as I am in the first quarter part of my life
    • Im usually time strapped at work, so I rather take a passive approach to investments (a longer term view to ride out the ups and downs)

    โ€‹

    โ€‹

    You can actually read this blog to get a better picture as well: https://blog.seedly.sg/investment-product-short...

    Reply

    Save

    Share

      Write your thoughts

      Advertisement