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

[BBCWatcher]

The past is the past. What's available now is what matters for any actions taken now.

 

[limster]

Equity 34%
Cash in bank 30%
Bond 23%
T-bills 13%

Planning to invest almost all my cash into T-bills and US equity.

T-bills are cash equivalents: https://www.investopedia.com/terms/c/cashequivalents.asp

So you are technically investing in US equities, the rest is your cash / cash equivalent allocation.

 

[westtraveller]

Only counting liquid assets:

Equities - 75%
Cash/Tbills/HYSA- 25%

 

[wutawa]

Only counting liquid assets:

Equities - 75%
Cash/Tbills/HYSA- 25%

u dont have ssb?

 

[RedsYWNA]

Only counting liquid assets:

Equities - 46%
Cash - 18%
Tbills/SSB- 36%

 

[DevilPlate]

30% equities
50% bonds/FD/SSB/SGS/TBills
20% cash

Slowly deploying more cash into equities

 

[CrashWire]

If you're now holding a significant amount of long-term savings in cash/cash equivalents because you were trying to time markets, and you're now staring at stock market indices at or near their record highs (and with dividend flows you missed that would've been reinvested), then I think it's reasonable to rule out the possibility marketing timing works for you. If market timing worked then you wouldn't have missed this post-COVID bull run, right?

I'm suddenly reminded of this:



This was a life-changing thread for me on how "time in the market beats timing the market".

 

[d9_lives]

I'm suddenly reminded of this:



This was a life-changing thread for me on how "time in the market beats timing the market".

Many still believe that they're Brittany. In reality, they're Tiffany's step sister, Wendy.
Unlike Tiffany, Wendy loves to fomo buy high and panic sell low.

 

[westtraveller]

u dont have ssb?

Will subscribe to upcoming June one

 

[hwmook]

I am 100% equities.

 

[bombshell]

ard 30% equities / 40% bonds, tbills, ssb / 30% cash.
I'm waiting for the next crisis to alter this ratio.

 

[Mephist0pheLes]

55% Equity
3% Bond
42% Cash/MMF

 

[DevilPlate]

55% Equity
3% Bond
42% Cash/MMF

i tot u are DCA believer. surprised holding so much cash

 

[Okenba]

I'm curious about the 100% equity people.
Is it right to say that you're probably retired? Because otherwise, you should have CPF and about SA+20k in bonds even if you invest OA.

And what is your plan if we meet another financial crisis and drop of 50%?

 

[DevilPlate]

I'm curious about the 100% equity people.
Is it right to say that you're probably retired? Because otherwise, you should have CPF and about SA+20k in bonds even if you invest OA.

And what is your plan if we meet another financial crisis and drop of 50%?

i believe most only refering to liquid asset....exclude properties and cpf

 

[sohguanh]

i believe most only refering to liquid asset....exclude properties and cpf

If one has passed 55 and RA formed now got some monies inside cpf those count as liquid or illiquid?

 

[Mephist0pheLes]

i tot u are DCA believer. surprised holding so much cash

i m, my monthly DCA amt is more than my monthly income nett inflow (after my expenses) currently.

The cash was built up in the past when i was out of the mkt. i lump sum'ed about 1/3 of it during the 2022 correction. Sld have pumped in more back then.

 

[DevilPlate]

If one has passed 55 and RA formed now got some monies inside cpf those count as liquid or illiquid?

Up to u…my OA always been near zero whahaha

 

[wutawa]

I'm curious about the 100% equity people.
Is it right to say that you're probably retired? Because otherwise, you should have CPF and about SA+20k in bonds even if you invest OA.

And what is your plan if we meet another financial crisis and drop of 50%?

can i know your cpf equity-non equity split? pls include all cpf accounts.

 

[celtosaxon]

One need to know 30 years ago what is available in the market. E.g I am sure China A share, ETF, US share not so easily available and even if there is the fees maybe steep.

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.