Coffee Meets Investing
Asked on 07 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).
% 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)
Mix of the following
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
Will be embarking on private equity once the corporate arm of SMRT Feedback opens up their platform to closed investors
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.
In my late 20s now.
2) Astrea Bonds
3) STI ETF
4) Stocks (Growth Stocks)
5) Robo for the global exposure
6) P2P Lending (out of curiousity)
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)