Hi guys, I’m a year 3 NTU business undergraduate. Currently have S$ 100k in cash to invest. Any idea how I should allocate my funds? Currently have a portfolio of US/SG stocks and crypto. ($70k+)?

Hi anon,

Your question is very general but I can suggest the following

• What is your investment objective? Long term goals and short term goals necessitate different strategies

• There are only so many asset classes. You already have equities and you can consider some fixed income

• You can consider allocation a part of the money aside as your emergency funds if you haven't done so

• You can split that amount into a few buckets if you have both long term and short term goals

• You can set aside an amount for dollar cost averaging as well

Hope that gives you some ideas. Risk management is also part of your portfolio so ensure that you can sleep peacefully at night no matter what.

To better allow some of the gurus here to answer, perhaps you can share your risk appetite example would be, how long is your holding period, (5 yrs? 10 yrs? or more?) can you sleep well at night if there is a financial crisis right now? is there any upcoming cost that will require you to touch your cash? (E.g marriage, student debt, housing, etc etc) lastly would be what is your expected annual return you are looking at?

if you are just starting out, Bogleheads three-fund portfolio for Singaporeans is a great start for you to diversify and get exposed to the world of stocks market. Personally will recommend you to keep your Crypto stocks within 10% of your total portfolio. ​​​