What would be your best portfolio ratio when it comes to having a diversified portfolio of bonds, stocks, commodities and property?

Your portfolio diversification is only helpful to you if you know what you are putting your money into. If you are unsure and are just investing for the ultra long term, stocks are by far the best. People diversify to multi-asset portfolios to reduce volatility but that harms your returns over the long term

The orange is bonds

light blue gold

and the mix of green and red is S&P500

A multi-asset portfolio hinders your long term returns and this is a fact. But if you know how to enter different asset classes at their respective lows then you can power up your portolio. this however is more towards the active investing/trading approach which I am all up for, but for most people, the misconception is a multi-asset portfolio helps them but history, statistics and data has proven that is irrational thinking.

It does reduce volality though! So if that helps your emotions, you can diversify this way!

Opinon:

100% stocks: divide into dividend & growth stocks (30 - 70) for now.

Bond & commodities always underperform.

In sg, is difficult to invest in property. Most probably, u only own 1 because of ABSD. The most have 2 condo, ur wife own 1 , u own 1 (high leverage). Unless u got other method, can share😆? Coz i am stuck too.

For property, i think, HDB (BTO) is good for renting (positive cashflow) would get at least a 5rm flat. So got 3 bedroom.

For condo, will most probably bleed $$$ even if rent out. Have to sell to get $$$. But after u sell , u need to buy again, u need to live somewhere. Unless u r familiar with how to spot undervalue properties else i think difficult.