Curious what's everyone's equity-non equity split now?

[celtosaxon]

I am 72% equities, 12% bonds, 17% cash… heavy on cash because we have some major life events taking place this year.

 

[sohguanh]

US equity funds were available in form of unit trusts even back when I moved to Singapore in 1996. Not the most cost efficient, but certainly accessible.

I remember even then the US market was outperforming the other markets and nobody here wanted to touch it because it was perceived to be too expensive.

Back then the S&P500 index was under 1,000 and the STI was 2,500.

As I said steep fees if available.

 

[rachdanon]

I am very low in equities, just some legacy stuff bought like 20 years ago under my late dad's advice. Just don't feel comfy with those nor have interest in reading up/following the market. Mostly in T bills and SSB.

 

[highsulphur]

I am very low in equities, just some legacy stuff bought like 20 years ago under my late dad's advice. Just don't feel comfy with those nor have interest in reading up/following the market. Mostly in T bills and SSB.

If not comfortable, just sell and rebalance

 

[wutawa]

I am very low in equities, just some legacy stuff bought like 20 years ago under my late dad's advice. Just don't feel comfy with those nor have interest in reading up/following the market. Mostly in T bills and SSB.

i always believe it is bad to put your money into something u dont understand, even though it may earn a lot of money. t-bills and ssb are good enough.

 

[BBCWatcher]

t-bills and ssb are good enough.

T-bills and SSBs will probably keep pace with inflation. But only that. You can expect that every dollar you save will result in roughly one dollar of future spending power. Save enough for a cup of coffee now, and you'll have enough for a cup of coffee later, give or take.

This approach makes retirement savings plans rather difficult and expensive. For example, if you're planning for a terminal age of 100 (which is a little edgy, I'd argue) and retire at age 65 then you'll need to save enough for 35 years of household expenses. So if you expect you'll need $1,500 per month in current dollars (above CPF for example) then you'll need to amass $630,000 (current dollars) in T-bills and SSBs.

There's also the possibility that a "Black Swan" event peculiar to Singapore or to the Singapore dollar would render you much poorer or even destitute. Unlikely I think, but I can't completely rule it out.

 

[CrashWire]

I am very low in equities, just some legacy stuff bought like 20 years ago under my late dad's advice. Just don't feel comfy with those nor have interest in reading up/following the market. Mostly in T bills and SSB.

The idea with equities is that if you buy the entire world (VWRA), it should always go up in the long term (10+ years) and outpace inflation, without having to constantly follow the market.

But do whatever you need to sleep well at night.