Are you willing to share what your financial portfolio look like? Or if not so specifically, maybe can share what percentage of it is being made up by different financial asset classes? - Seedly
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Anonymous

Asked 2w ago

Are you willing to share what your financial portfolio look like? Or if not so specifically, maybe can share what percentage of it is being made up by different financial asset classes?

I have been investing for about a year and realise that most people are unwilling to share what their portfolio looks like. I can understand but figured that if I know how experienced investors' portfolios look like, that will give me a better understanding of creating a bulletproof portfolio.

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1. Endowus (39%) +7.29% (in SGD)

- Cash Advised Portfolio (100% Equities)

  • Dimensional Pacific Basin Small Companies Fund

  • Dimensional Emerging Markets Large Cap Core Equity Fund

  • Dimensional Global Core Equity Fund

  • LionGlobal Infinity US 500 Stock Index Fund

- Fund Smart (100% Equities)

  • FSSA Regional China Fund (50%)

  • FSSA Dividend Advantage Fund (20%)

  • Nikko AM Shenton Global Opportunities Fund (10%)

  • LionGlobal Infinity Global Stock Index Fund (5%)

  • PineBridge Asia ex Japan Small Cap Equity Fund (5%)

  • Schroder Global Emerging Markets Opportunities Fund (5%)

  • UOB United Global Quality Growth Fund (5%)

2. US Stocks (23%) +31.34% (in USD)

  • Tesla (TSLA)

  • Nio (NIO)

3. AutoWealth (21%) +11.71% (in USD) / +7.81% (in SGD)

- Level 4 (80% Equities, 20% Bonds)

  • Vanguard Total Stock Market Index Fund ETF Shares (VTI)

  • Vanguard European Stock Index Fund ETF Shares (VGK)

  • Vanguard Pacific Stock Index Fund ETF Shares (VPL)

  • Vanguard Emerging Markets Stock Index Fund ETF Shares (VWO)

  • iShares 7-10 Year Treasury Bond ETF (IEF)

  • SPDR Bloomberg Barclays International Treasury Bond ETF (BWX)

4. SG Stocks (17%) -1.84% (in SGD)

  • SATS (S58)

I bought SATS in January before the March crash, looking forward to offloading it once it reaches $4.50. For US stocks, some stocks on my watchlist are Alibaba, Sea Ltd, ARKK ETF, and a couple of others. My plan is to exit the SG market, use both Endowus and AutoWealth for passive investment, and allocate a small portion to the US market where I do individual stock picking (for growth).​​​

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Yuantai Liu
Yuantai Liu

1w ago

Gabriel, just curious, for a young person like u, pretty Conservative haha. But great start!! You are already ahead of many of ur peers who spend time on gaming or other inefficient pursuits
Gabriel
Gabriel

6d ago

Hi Yuantai, thanks a lot for the feedback! I totally agree and understand where you are coming from, i.e. taking on higher risks for potentially higher returns at a young age since I have a longer runway. However, I think that it's also important to consider an individual's risk appetite/tolerance, i.e. not letting emotions get in the way, since there will be higher volatility as well. In my opinion, there is no point having a super high risk portfolio if one cannot stomach the potential dips and volatility (and possibly decide to sell at the wrong time to "cut loss") to enjoy the higher returns later. Nevertheless, I am definitely looking to increase my exposure/holdings in the US market (individual stock picking) and reduce my reliance on robo-advisors, especially since there's two layers of fees involved. There are actually quite a few US stocks on my watchlist, but it has been rising and I wouldn't want to FOMO and chase the prices, especially the EV-related stocks. Will get there eventually, slowly but surely! Cheers
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Hi Anon,

There is never a correct answer as to what investment instruments suits you the best. I strongly believe that if you are comfortable with the risks that you are taking and understand your products, naturally you can find a portfolio that is best suited for you. For me, my investment portfolio consists of 60% equities and 40% bonds.

There is no bulletproof portfolio, but it is important to have a rebalancing strategy that works. If you are thinking or just started on investing, you can try using Endowus. They can help you to rebalance your portfolio automatically.

Always remember to find your comfortable threshold for your risk appetite and always diversify your portfolio. It's never a good choice to place all your eggs into a single basket. ​​​

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Currently:

US stocks. MSFT, AAPL, AMZN, FB, GOOG. Approx 70%

Method:1 lump sum every quaterly/market major correction.

SG stocks. Most REIT and Banks. Approx 30%

Method: DCA monthly.

Goal to avg down as low as possible

1

Question Poster

2w ago

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I've been investing for about half a year and this is what my financial portfolio looks like. Personally, I don't see my portfolio as bulletproof especially with the huge position in TSLA, but here's what I'm holding now.

65% US Equities

  • 60% TSLA

  • 10% SQ

  • 10% ARKG

  • 20% Speculative tech companies plays (DDOG, NET...)

17% SG Equities

  • 80% G3B STI ETF (DCAed into it for the past 5 years)

  • 20% Syfe REIT+ Portfolio (Started this year)

18% Cryptocurrencies (through Crypto.com)

  • 80% BTC

  • 20% ETH

Here's the reasoning for my allocation. US markets are good for capital gains as we are not taxed on that. And with the US market recovering much faster when I started off in May this year, I gave it a 50% allocation, mostly into disruptive tech companies.

I'm not really interested in the SG market as it is very heavy on financials and real estate, so I chose to continue DCA into G3B and started a Syfe REIT+ portfolio.

I bought crypto earlier on before the BTC was at USD10K and I use it as a long term hedge against markets.

My initial allocation was around 50% US, 30% SG, 20% crypto, but that quickly changed when TSLA and crypto all started to moon.​​​

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Frankie Rappaport
Frankie Rappaport

6d ago

Hi, I believe, most of us are too much tilted towards high risk allocation (crypto, single tech stocks)
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80% VWRA 10% IUIT 10% ARKK

Using CPF as bond component for now

DCA every month on payday

Rebalance 1-2x/year or during any major market corrections

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Tok Lovr
Tok Lovr

3d ago

But even without considering the other fees involved for investing using your SA, wouldn't SA of CPF paying u at least a 4% to 5% interest rate?https://www.cpf.gov.sg/Members/AboutUs/about-us-info/cpf-interest-rates What is MBH? Oh! I just realised interactive brokers is NOT tiger brokers
Ethanslp

3d ago

Oh sorry should have been clearer I meant leaving the cash in SA as bond component, not investing it. MBH is a bond ETF made up mostly of investment grade bonds in Singapore
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Mine is bmo asia investment grade bond etf - 20%

Then vanguard total world etf -40%

Then ishares asia ex hapan etf -40%

Sitting on 11% ytd profits despite people still complaining about 30% divided tax which don’t even bother me.

This portfolio is huge and it’s my only portfolio for 8 years plus

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Ninja

6d ago

100% hand picked stocks/bonds are much more dangerous. You can google and learn about jack bogle investment methods.
Frankie Rappaport
Frankie Rappaport

3d ago

True ETFs are one of the best things really a retail investor could buy
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Hi Anon, this is what my portfolio looks like: it's mostly actively managed with some long-term hold / passive income stocks.

1. PIMCO income fund (13%)

  • 3% yield pa, monthly reinvestments

2. Private company debt (26%)

  • 8% yield pa, monthly payouts

  • This isn't available to any retail investor, I was fortunate enough to be introduced to a Contact for a company raising funds through debt

  • Being a respectable company with track record and MAS backing, I was happy to lend at 8% interest

3. SG Equities (16%)

  • DBS is one of my heaviest holdings, snapped it up during March-lows at an immense discount (P/B @ 0.9x)

  • Mapletree NA Commercial Trust & Lendlease Global Commercial REIT were bought in late 2019 / early 2020, so they're still down from pre-covid levels

  • SGX snapped up when they took at -15% hit after the announcement of the SGX-MSCI split, it has recovered since

  • Sheng Siong for long-term hold

4. US Equities (16%)

  • Brookfield Asset Management (BAM)

  • Aercap Holdings (AER)

  • Alibaba Group (BABA)

  • All of the above are long term holds

5. UK Equities (3%)

  • EQQQ - the London-listed version of QQQ; tech-heavy ETF

  • IWDG - global ETF

  • Shaftesbury PLC (SHB) - used to hold a larger proportion but sold off when UK went into second lockdown

6. Cash (26%)

  • Bulk of this cash is in USD, which is in my US brokerage account (TD Ameritrade)

  • I use this to actively trade options, so this isn't very helpful if you don't have any background on options strategies (happy to share more though!)

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I'll just pop my US portfolio up here for reference. I have small positions on each of them, between 1k-3k USD. I park the rest of my money in Tencent, Alibaba, and the Endowus Dimensional Funds.

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How I invest and what I look out for:

  1. Disruptive companies disrupting traditional industries and have the ability to dominate said industries (The next FAANG/FAAMG)

  2. I have an all or nothing (I see the irony in my own words) approach to diversification, either i diversify by buying only ETFs or I take out my sniper rifle and research deeply into companies that have the growth potential I am looking for

  3. Since Im still in my 20s (yikes!) and have no liabilites at the moment, my risk tolerance is considerably higher. In the future, i intend to go back into ETFs and REITs as my risk tolerance decreases

​​​

1

Question Poster

2w ago

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Here is my +52.28% (XIRR) portfolio. (Year to Date)

This is the most updated as of 17 November :)

2

Question Poster

2w ago

Hi Yun Heng, thanks for sharing! Very clear
Lin Yun Heng
Lin Yun Heng

2w ago

Welcome!
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Not sure what OP is looking for. But since I recently did up my networth table, thought I'd share.

Cash Investments: 28%

SRS Investments: 5%

CPF: 67% (I consider CPF Bond component)

So when I do the calculations for stock/bond percentages...

Stocks: 29%

Bonds: 71%

I am a lot more in bonds than I think I need to be...

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Might as well hop on the train haha....

-Ignore the option play-

Extremely aggressive, made me good returns for the past year, this is not for everyone, drawdown risk is extremely high, you have to be very resilient during periods of drawdown, keep spare cash aside and buy in during dips.

My portfolio was way diversified pre-Sept 2020, but I sold most of my other holdings to get into TSLA during the sell-off.

​​​

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Justin Mok
Justin Mok

2d ago

For sure hahhaa, i do have a separate portfolio containing iwda, voo and some cash, still equity focused, not very ‘all-weather’
Frankie Rappaport
Frankie Rappaport

1d ago

Even then you are investing more prudent than me (I'm too much tech ETF invested...) 🍀
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S

Sam

Level 2. Rookie

Answered 3d ago

I use Stashaway, 1 portfolio on 22% risk and another on 12% risk

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Hi!

Pretty conservative and didn't change or add anything since a month ago. (Saving up and in for the long term)

60% VL6

40% REITs

(There's actually Stashaway 30% but it's immaterial)

Mainly for the stability of the company with some room for growth. So it's not super hot but just for dividends. For now. (focusing on school first hahah)

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Initially i started with sti etf but have since dumped it in exchange for ark invest etfs, believe it has much better growth prospects

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Here

​​​

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Frankie Rappaport
Frankie Rappaport

1w ago

So many answers here now, wow!
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Focus mainly on the US side of things where my positions are mainly in options.

SG side, I have positions in mainly reits, focused on the industrial side (AIMS APAC and Mapletree Log). Not that active in monitoring this side since I follow US market timing which kinda makes it hard to follow the local opening bell.

Have a China mutual fund that's tied to my ILP from more than a decade ago when I didn't know any better. Leaving it mainly for protection reasons.

Setting up Endowus Cash Smart portfolio and Singlife account to handle the spare cash I have.

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Naveen

Naveen

Level 2. Rookie

Updated 1w ago

1. Singapore Stocks (19.5%) : +6%

  • DBS

  • CapitaLand

  • Netlink

  • Singtel

  • Mapletree Commercial Trust

2. US Stocks (49.5%) : +62%

  • Netflix

  • Facebook

  • Square

  • Shopify

  • Microsoft

  • Apple

  • Twilio

  • Okta

  • Workday

  • Palantir

3. Endowus - SRS (4.5%) : +0%

  • Fundsmart (LionGlobal Infinity US 500 Stock Index Fund & PineBridge India Equity Fund)

4. Cash (26.5%)

I would like to continue passive investing via SRS or Cash using Endowus and over a period of time trim the positions in SGX or use it only as a Dividend Investing portfolio.​​​

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Frankie Rappaport
Frankie Rappaport

1w ago

Hey, Palantir also !
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D

Daz

Level 2. Rookie

Updated 6d ago

I'm 37 with no children (yet), not a Singapore citizen, and I'm unsure where I will live in retirement (probably China). I consider myself to have a high-risk appetite and a long investment horizon.

I currently invest 56% of my income each month and spend 44%. I maintain ~6 months of living costs in cash in the bank but otherwise don't save any cash. My goal is to be able to retire before age 60 with close to my current income and no large debt or obligations like rent.

My investment breakdown is:

  • =40% dividend stocks (dividend growth strategy for retirement income)

  • ~33.33% ETFs (growth strategy for future large costs like house downpayment, education, etc.)

  • ~17.78% company stock (my employee stock purchase program enables me to accumulate stock over 6 month periods and then sell at a 15% discount on market price, which I always do in order to lock in profit - this profit goes into my dividend portfolio 👆🏻)

  • <= 8.88% Mutual funds (insurance-linked investment product that I deeply regret - I'm making minimum payments and just waiting for the early withdrawal penalty period then I'm out and this money will go into the dividend portfolio)

I also sell options every month for additional income and sell contracts on my company stock as my options are vested.

Dividend Stocks

I really enjoy analyzing and picking income stocks. I have a set of criteria and spend a fair bit of time researching before buying each month; I look for a minimum yield, a track record of growing dividends, and a commitment to paying future dividends, as well as good financials obviously. The broker I used is Saxo. I currently own 22 companies which I plan to hold forever, although I am looking to sell 1, and grow to no more than 30 companies in total. It's well-diversified across sectors, although leans more towards large-cap consumer defensive and healthcare, and it's currently beating some indexes with a portfolio yield on cost of 4.9%. It's split about 20% Singapore, %35 Hong Kong, 30% US, and 15% UK - this should give me a currency hedge no matter where I end up retiring as well as low withholding taxes to maximize my income. The portfolio is on track to meet my income goals when I'm in my 50s.

US

  • ABBV: Abbvie

  • MO: Altria

  • MMM: 3M

  • GIS: General Mills

  • IBM: IBM

Hong Kong

  • 0288: WH Group

  • 1044: Hengan International

  • 0371: Beijing Enterprises Water

  • 0868: Xinyi Glass Holdings

  • 1883: Citic Telecom International Holdings

  • 1052: Yuexiu Transport Infrastructure

  • 3988: Bank of China

Singapore

  • F34: Wilmar International

  • A17U: Ascendas REIT

  • RWOU: Mapletree North Asia Commercial Trust

  • AJBU: Keppel DC REIT

  • D05: DBS

  • BSL: Raffles Medical

  • Z74: Singtel

United Kingdom

  • ULVR: Unilever

  • AZN: Astra Zeneca

  • RDSb: Royal Dutch Shell

ETFs

I feel less confident picking growth stocks compared to income stocks so I'm happy to use ETFs for the growth portion of my overall portfolio. I currently just use Stashaway on the maximum risk setting. I do love Stashaway but I'm not keen on some of the holdings that my money gets allocated to, so I'm considering moving the money into my own ETF picks going forward, which I'll probably buy on London Stock Exchange for lower tax:

  • US tech sector - IUIT

  • China tech sector - KWEB

  • Healthcare innovation - HEAL

  • Maybe US dividend aristocrats... UDVD

Mutual Funds

Signed up almost 10 years ago when I was not at all interested in finance and investing and had no idea how to even go about investing. I just wanted to put my money somewhere and have it grow without any effort or knowledge on my part. I was convinced by a financial advisor to park my money in this Isle-of-Man-based investment product for 25 years and just watch it grow. I've had terrible returns on it and later found out (after coming to Singapore and finding a more reliable financial advisor to manage it for me) that a lot of the returns were being eaten away by the fees. Currently, money is split across a few funds:

  • Sterling bonds

  • Global tech

  • Biotech

  • European small-cap

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50% STI ETF, 25% Nikko REIT ETF, 25% Lion REIT ETF

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Alicia Liew

4d ago

Thanks Frankie, I’m looking at robos for this
Frankie Rappaport
Frankie Rappaport

4d ago

Yes important, Singapore is strong but so small and the best 'developed' world (U.S., Scandinavia, Germany, Switzerland) and China are so big.
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