12-01-2014, 09:49 AM
12-01-2014, 11:29 AM
1% unit trusts
7% CPF
10% properties
15% cash
23% stocks
44% bonds
15% cash because I doubted the bull run. Read too much about Fed and disbelieved China,USA, EU and even SEA... I still believe that fundamentals are lacking. So, if in doubt, leave it in the bank. Inflation? alamak... its over a period of years...nothing to to be too concerned. There will be spikes. Being ready is far more important.. that 1 time opportunity is enough to recoup all that was eaten away by inflation.
7% CPF
10% properties
15% cash
23% stocks
44% bonds
15% cash because I doubted the bull run. Read too much about Fed and disbelieved China,USA, EU and even SEA... I still believe that fundamentals are lacking. So, if in doubt, leave it in the bank. Inflation? alamak... its over a period of years...nothing to to be too concerned. There will be spikes. Being ready is far more important.. that 1 time opportunity is enough to recoup all that was eaten away by inflation.
12-01-2014, 12:24 PM
I have more than half cash .... darn ... i need to wake up !
12-01-2014, 12:26 PM
(11-01-2014, 11:09 PM)Dividend Warrior Wrote: [ -> ](11-01-2014, 09:13 PM)Drizzt Wrote: [ -> ](11-01-2014, 04:46 PM)Dividend Warrior Wrote: [ -> ]If I include my emergency funds, I have around 7% cash.
its your portfolio not emergency funds.
I see......
In that case, I have 2% cash.
thanks for the clairifation
12-01-2014, 12:27 PM
(12-01-2014, 11:29 AM)Porkbelly Wrote: [ -> ]1% unit trusts
7% CPF
10% properties
15% cash
23% stocks
44% bonds
15% cash because I doubted the bull run. Read too much about Fed and disbelieved China,USA, EU and even SEA... I still believe that fundamentals are lacking. So, if in doubt, leave it in the bank. Inflation? alamak... its over a period of years...nothing to to be too concerned. There will be spikes. Being ready is far more important.. that 1 time opportunity is enough to recoup all that was eaten away by inflation.
some times we learn the hard way, we dont really know what are fundamentals and whether what we know really matters ultimately.
12-01-2014, 01:47 PM
50%.
The drag from cash is painful but as long as your vested portion is working hard to compensate for it, that is fine. Of course, that is a big IF.
At the end of the day, one should own stocks/companies which he/she has conviction (aka holding power). To blindly follow the idea that you should be (almost) fully invested at all times may be foolish since the option to not be vested is a powerful one and is what gives small investors an advantage over institutional funds who has to play the game even when the odds are not stacked in their favour.
---
http://value.i3-institute.com
http://i3-institute.blogspot.sg/index.html
http://facebook.com/i.invest.institute
The drag from cash is painful but as long as your vested portion is working hard to compensate for it, that is fine. Of course, that is a big IF.
At the end of the day, one should own stocks/companies which he/she has conviction (aka holding power). To blindly follow the idea that you should be (almost) fully invested at all times may be foolish since the option to not be vested is a powerful one and is what gives small investors an advantage over institutional funds who has to play the game even when the odds are not stacked in their favour.
---
http://value.i3-institute.com
http://i3-institute.blogspot.sg/index.html
http://facebook.com/i.invest.institute
12-01-2014, 02:40 PM
About 10% for me, which is my tikam fund aka short term trading fund.
12-01-2014, 03:03 PM
less than 10%
too many good offers in the past few years...
A Life not Reflected is a Life not Worth Living.
too many good offers in the past few years...
A Life not Reflected is a Life not Worth Living.
12-01-2014, 08:20 PM
I try to make myself lean against the wind by holding a percentage of cash in my portfolio that is inversely related to the P/E of my overall stock portfolio i.e. 0% if my overall stock portfolio P/E is below 5 and 20% cash if my overall stock portfolio P/E is above 8 and some fraction in between. Currently this works out to be 10% cash.
P.S.: Still fine tuning the P/E trigger points and percentages though so it is a work in progress that I hope will gradually improve over market cycles.
P.S.: Still fine tuning the P/E trigger points and percentages though so it is a work in progress that I hope will gradually improve over market cycles.
12-01-2014, 08:59 PM
(12-01-2014, 08:20 PM)nsengkia Wrote: [ -> ]I try to make myself lean against the wind by holding a percentage of cash in my portfolio that is inversely related to the P/E of my overall stock portfolio i.e. 0% if my overall stock portfolio P/E is below 5 and 20% cash if my overall stock portfolio P/E is above 8 and some fraction in between. Currently this works out to be 10% cash.
P.S.: Still fine tuning the P/E trigger points and percentages though so it is a work in progress that I hope will gradually improve over market cycles.
Just curious? Why your portifolio and why PE? Why not PE of broader market?