Asked by Anonymous

I'm currently 25, with a $65,000 yearly income. I'm looking to construct a 100% equities portfolio to hold for the next 10 years, before slowly adding bonds. Is that a good strategy?

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    • Hariz Arthur Maloy
      Hariz Arthur Maloy, Independent Financial Advisor at Promiseland Independent

      Top Contributor (Feb)

      355 Answers, 600 Upvotes
      Answered 2w ago

      I think you should always have some bonds in your overall portfolio, even if you're super aggresive.

      You want to make sure you have a cushion and a portion of your portfolio that is negatively correlated.

      I'd suggest 10-25% in bonds for your age.

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    • Kishor Bhagwat
      Kishor Bhagwat
      10 Answers, 15 Upvotes
      Answered 2w ago

      Sure..you have age on your side, and your horizon for holding equities is longer than the 10years you mentioned here. Just remember to not look at the downturns that will come. I would suggest country/regional ETFs (based on valuations) and not single stocks - in this disruption world you never know when a company will fold, and you dont want to be fiddling with the portfolio too much.

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    Lee Jiahui
    Lee Jiahui
    55 Answers, 103 Upvotes
    06 Mar 2019

    I had 100% equities too when i was 25. that was because i didnt deem cash and cpf as part of portfolio lol... it motivated me more to save more and think of it as 100%... follow what rocks your boat.

    at 35 yo, i included cpf in the portfolio then equities to cpf ratio became 1:1

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