Yup, i'm in all those sub-asset classes, either via cash or EPF.
Er.. i've actually 2 more categories but didnt list it hehe, physical property type.
The 2 categories i left out are in my list for "preparation"/structuring my categorization before planning and execution - looking for opportunities now for those type of properties.
Bro, please note that i'm a bit "anal retentive" when it comes to sub-asset classes.
One may do well or better just by focusing on Asset Allocations and methodologies getting into the big 3 basics - Fixed Income, Biz Equities, Real Estate Equities.The % returns is based on conservative experienced estimates - discounting crazy runs.eg. crazy as in:
a. if bought and held good stocks/equity funds, from 2009 to 2012 April 03, where KLCI hit a historic EOD high of 1,606.63.
b. if bought in 2006/2007 and sold Dec 2008 / 1st Qtr 2009., OR bought 1995/1996 and soled 1998 where KLCI plunged 80%+
The commodities and gold are my "newest" experience (2 years), thus, i'm ultra conservative on the returns, especially now at more than 200% of historic median (since 1970s), even if inflated 3%pa.
The rest i've been buying/selling stupidly without structured approach for more than 15 years.
BTW, mutual funds - equity & bond funds, are based on Public Mutual's statistics i've seen + experiences/tracking of held equity & bond funds from BHL (yes, THOSE years), Prudential, Ambank, Southern Bank (now telan by CIMB liao).
BTW, i'm still an "L" (learner) plate investor and trader, as there are so many other options and methodologies to explore, like ForEx, Commodity Futures, Options, etc. Thus, please do take my opinions/sharing with BIG DOLLOPS of SALT
Just a thought
PS:Methodologies (simple English = entries/management/exits) are usually 2nd thought to some "investors".
To me, one must "couple" the right sub-assets to the right methodologies, based on one's reasoning / experiences.
eg.
a. How often does the stock market collapses? ie. plunge MORE than 20% or 30%Answer - er.. less than 50% of the time, heck perhaps even less than 1/5 of the time?
Thus, for Biz Equities, i allocate at least 50% (closer to 60%) of my planned savings (cash & EPF) into PROGRAMMATIC investing (ie. value + dollar cost averaging) via equity funds and direct stocks.
Why?
My simple reasoning - fear (of getting into Equity market when it "looks high" / still falling?) and greed (woo fell so much, sai lang! or woo can climb higher momentum mar) hard to control, thus programmatic investment methodology (entry/exit)
Case in point - people who looked at end 2010 and went, aiya so high liao.. scared lar.. then fast forward to 03/04/2012 EOD KLCI, it was a historic high of 1,606.63
b. When should i buy rental properties / REITs?After filtering, i'd buy them when the rental yield OR dividend yield (VALUE) is worth my time lar

Rental / dividend yield is my main purpose mar
Equity / capital growth is secondary.
Thus, about 80% of my REITs and properties is opportunistic or value based methodology.
c. When should i be in cash, bond funds, flexi mortgage and up to how much %?er.. to me, fixed income is for holding unused $ for investments (excluding emergency buffer lar) AND to have at least 23%+ around to go after lelong prices/value when (not IF) SHTF.
Thanks for sharing.
Any recommendation for short term investment apart from FD? Says need to use the money within a year or earlier.