I have 200k+ of spare cash to invest, am looking at a mix of REITS, ETFs and stocks. But am wondering what would be the best way to spread my money across the different asset classes? - Seedly
 

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Asked by Anonymous

Asked on 22 Oct 2018

I have 200k+ of spare cash to invest, am looking at a mix of REITS, ETFs and stocks. But am wondering what would be the best way to spread my money across the different asset classes?

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Arpita Mukherjee
Arpita Mukherjee, Community Evangelist at Kristal.AI
Level 6. Master
Answered on 13 Nov 2019

Hi Anon,

If you really want a steadily-growing and diversified portfolio, you should start by not putting all your eggs in one basket. Building a successful portfolio requires thought and you must analyse each and every one of your investments rigorously before you invest. You might find this process daunting, which is why it is more beneficial to build your investment portfolio slowly over time, rather than rushing into making a ton of investments quickly. Allow yourself the time and space to grow and learn before diversifying or rebalancing anything. Of course, if your advisor tells you to do something specific, you should certainly take that into consideration too!

Here's something more elaborate.

I work at Kristal.AI, and my mojo is to help people make the right financial decisions.

If you think I helped you, do give me "Thumbs up". If you think my response was biased let me know, I will work on it.

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Junus Eu
Junus Eu
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Top Contributor (Jan)

Level 9. God of Wisdom
Answered on 05 Dec 2019

The good thing is you have a good amount of investment of capital! For me with that amount as a millenial, I have most of my capital in property and stocks.

I would say to put more into ETFs if you don't want to spend too much time researching individual stocks. ​​​

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Choon Yuan Chan
Choon Yuan Chan
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Top Contributor (Jan)

Level 9. God of Wisdom
Answered on 05 Dec 2019

First off, well done in being to accumulate your cash.

Truthfully, you can spread your money across numerous ETFs to achiveve you aim of getting differnet asset classes. Pherhaps add 25% each into S&P 500 ETF, NASDAQ ETF, STI ETF, and REITS ETF. Such combinations can do the trick

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Good Day Every Day
Good Day Every Day
Level 7. Grand Master
Answered on 22 Oct 2018

Invest in equities, bonds, commodities and REITs etf locally and internationally.

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It would depend on your age, investment horizon, and your risk appetite.

You should try to have 100 - your age to be your percentage asset allocation into Equities.

And I personally wouldn't put more than 10% of my portfolio into Property.

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