Anonymous
What should a 52-yo conservative investor do with $250K cash?
I am 52 and retiring early. I am unfamiliar with investing—I’m currently invested only in 2 condos, FDs, and the S’pore Savings Bonds. I am debt free. With more time on my hands now to learn and invest in new and trending investment products, may I have your suggestions as to what a ‘newbie’ investor like me may do with $250K cash sitting in the bank? I am pretty conservative in my outlook and value STABILITY and for INCOME as key criteria. Thanks in advance, folks!
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Hariz Arthur Maloy
27 Jun 2020
Independent Financial Advisor at Promiseland Independent
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Hi Anon, absolutely agree you should focus on stable income and if I may add, capital preservation. You shouldn't be taking too much risk on this money.
Here's how I would split a conservative portfolio meant for the above.
Global Equity - 20%
High Quality Fixed Income - 20%
Annuities - 40%
Gold - 10%
Cash/Cash alternative - 10%
This will make sure a good portion to be fully guaranteed while a small portion able to provide some long term return to adjust the full portfolio for inflation, while the rest to give some immediate and some deffered lifetime income.