What do you think about this Investment Portfolio Allocation? Would also like more info on AIA Pro Achiever?

Hello there! Thanks for being a Syfe client.

Your question about portfolio allocation can be much better answered by our wealth advisors, whom you automatically have access to as a client. Our advisor will be able to look through your overall portfolio and give personalised advice on how you can allocate your funds.

You may arrange for a consultation here. Not to worry, such consultations are free and our advisors are unbiased. Their aim is to provide you with the best strategy for your money.

Hope this helps!​​​

#1 too much REIT share, clearly overweighted. REITs have their own risks.

#2 Equity100 performance (annual 15.5% over 10 years) seems nice, but it is a smart beta approach, where there is no evidence that smart beta works longterm, essentially it is active investing into different ETFs. With current 0.00 USD trading fees with TD Ameritrade, You could design your own Buy & Hold portfolio with a few ETFs (QQQ, VT, VOO, MCHI). Very probably a large allocation to ETF QQQ with its 20% annual performance over 10 years was responsible for Equity100's success.

#3 ILP (AIA Pro Achiever unit trust): combining investing with insurance products is always a bad idea, complex, intransparent, underperforming mix-products, with also insurance company default risk or secondary yield cuts added. caveat emptor.

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