How do you allocate your own assets? - Seedly
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Anonymous

Asked on 07 Jul 2018

How do you allocate your own assets?

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Marcus Goh
Marcus Goh
Level 4. Prodigy
Answered on 20 Jul 2018

You can use your age as a base to allocate your assets. A lot of people use this metric of (100 - Age) = % in equities.

E.g You are 25 years old. Based on the formula, you can park 75% in equities and the rest of the 25% split further into different assets class like high yielding savings account, Singapore Savings Bonds (SSB), Peer-to-Peer Lending and even Cryptocurrencies (if you truly believe in the price appreciation).

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Bang Hong
Bang Hong
Level 6. Master
Answered on 19 Jul 2018

% will depends on individual

1) Cash (Real cash , ready cash in saving accounts or FD) includes "War chest" to activate to buy additional stocks from time to time

2) Bonds (Usually i put in A35 ABF Bond, easily sell)

3) Stocks (Telco)

4) Stocks (REITS)

5) Stocks (Growth stocks)

6) Gold/Silver (Physical or ETFs)​​​

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Jonathan Chia Guangrong
Jonathan Chia Guangrong
Level 8. Wizard
Answered on 11 Aug 2018

Mix of the following

  • HDB

  • SG REIT and business trust portfolio

  • US Options inncome portfolio

  • Fully insured cryptocurrency fund

  • ILP investing into a China fund (getting rid of this soon as it's not worthwhile)

  • Monthly share building programme through Maybank KE

  • Cash sitting in a Citi Maxigain account

  • LEGO

Will be embarking on private equity once the corporate arm of SMRT Feedback opens up their platform to closed investors​​​

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Jacky Yap
Jacky Yap
Level 5. Genius
Answered on 06 Aug 2018

Turning 30 next year

As of last month:

32% US stocks - High Risk

17% SG stocks and REITS - High Risk

19% crypto / p2p - Super High Risk

16% Cash - Low risk

16% CPF (bond component) - Low Risk

Low risk component is about 30% of portfolio.

As i age, more will be channelled from the super high risks > high risk > low risk.

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Yeap Ming Feng
Yeap Ming Feng, Head of Content & SEO at Seedly
Level 6. Master
Answered on 06 Aug 2018

In my late 20s now.

1) SSB

2) Astrea Bonds

3) STI ETF

4) Stocks (Growth Stocks)

5) Robo for the global exposure

6) P2P Lending (out of curiousity)

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Lee Jiahui
Lee Jiahui
Level 6. Master
Answered on 21 Jul 2018

25% hdb flat

25% cpf

25% stocks

25% cash

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Chen Zhirong
Chen Zhirong
Level 5. Genius
Answered on 20 Jul 2018

Around my late-20s -

30% ETFs

30% REITs/Bluechips

30% Growth

10% cash

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Kenneth Lou
Kenneth Lou
Level 9. God of Wisdom
Answered on 20 Jul 2018

Depending on your age range, it would be rather different.

For me, im around my mid 20s. Where I have a mix of the following:

  • STI ETF (via RSP and investing in local SG market index movements)

  • Robo-advisors (for exposure to US and global market indices at low cost)

  • REITs and Blue Chips (stable dividend paying stocks)

  • SSBs (to beat inflation in the long run)

  • Cash (that is sitting in a high yield interest account)

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Jeff Yeo
Jeff Yeo
Level 7. Grand Master
Answered on 20 Jul 2018

1) property

2) stocks

3) bond

4) unit trust(which I regretted getting)

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I-Min Chua
I-Min Chua
Level 3. Wonderkid
Answered on 20 Jul 2018

I am mostly in stocks and property

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