Look like a pretty good profile ... aggressive grr ... and most certainly rewarding ...just my 2 cents

er.. erm.. I've got a small girl and a toddler boy now, thus, in 10 to 18 years, Uni days for them too.

personally, i'm NOT separating my funds into specific portfolios for them.
"All is 1, 1 is all" kind of thing but as i approach:
my girl's
+/-16th birthday, i'll be moving 1/6 of the $ needed into bond funds & FD (not part of investment Asset Allocation)
+/-17th birthday, i'll be having 2/6 of the $ needed into bond funds & FD
+/-18th birthday, i'll be having 3/6 of the $ needed into bond funds & FD
- A levels year start & i have 50% of total needed $ (A level to 4th year) in low volatile instruments

+/-19th birthday, i'll be having 3/6 of the $ needed into bond funds & FD - 1st year
+/-20th birthday, i'll be having 4/6 of the $ needed into bond funds & FD - 2nd year
+/-21st birthday, i'll be having 5/6 of the $ needed into bond funds & FD - 3rd year
+/-22nd birthday, i'll be having 6/6 of the $ needed into bond funds & FD - 4th year (Hons)

Thus, while she studies, the $ is still growing BUT if big crash 50% like 2008-2009, my investment asset allocation in Fixed Income can also cover.
Notes:
1. my investment asset allocation's Fixed Income is 1/3 (i let it run +/- 6% before forced reallocation)
2. my emergency (living when retired) funds is planned to be about 2-3 years' living expenses AND is not part of my investment asset allocation.
3. main reason i'm not separating is HOLISTIC view/control
main reason why my emergency fund is thus is so that i can ride out crashes without "selling to eat", statistically 1 to 2 years, most crashes recover.


Rinse & repeat for my little boy's turn

Looks logical but.. let's poke holes ya, thus i can learn & improve as well.

This post has been edited by wongmunkeong: Mar 11 2015, 10:50 PM

Some people move funds to 1/percentage of funds as per some pre-determined 1/fraction, as per some "my girl's" requirements.

Real life doesn't work like that.

By the time she gets to 16, if/when, you may not like her, or she may not like you, and live in some far place away from you.

Such calculations makes too many assumptions, which may not turn out how you like it to be.

Let's stick to investment considerations, the fundamentals of investments, QE, interest rates, etc, and not personal-circumstances planning.

Some folks miss the personal in personal financial planning, thus considers only things that even economists can't predict nor understand 100% (it's call dismal science for a reason).

read something funny - it's NOT the economy that's the problem, it's YOUR economy that matters

This post has been edited by wongmunkeong: Mar 11 2015, 11:09 PM

No, wrong.

This FSM thread is not about personal circumstances, and your project financial planning for your girl,.

Stop arguing, you are in the wrong thread.

almost same same yer...me got 2 boy boy.
I am trying to separate mine and theirs so that I hope I would not be distracted by too much/little equities in the portfolio due to age and fear factor or the urge to change when got BAD noises.
trying to put aside and built some sort of education funds without going to HLA-ha-ha.

so when your child is < 15yrs....still under your 1 only portfolio...after 16 yrs old then start to allocate some to them?.
will have to study your allocation of after 16 yrs as mine still hv 10 yrs to that.
currently still have another headache coming....the apartment that we are living has started to show signs of aging...especially on the lifts....wondering how long it can last....had been in the Mgmt committee and realized how much the MC has and how much it needs to replace the 2 lifts.....1/2 mil...definitely NOT possible to replace.......therefore a new apartment would be in the plan too. hopefully can happens BEFORE the lifts stopped working and affect the resale price.

so after setting the edu portfolio,,,will then plan the rebuilt a new portfolio from "0" base...(hopefully it wont happens)

This post has been edited by yklooi: Mar 11 2015, 11:23 PM

eh - i'm not arguing wor, especially with idiots.
i replied or arguing with who ar?

You don't understand that your kids planning is not relevent to FSM thread?

Really? irrelevant to U perhaps yes.
But er.. i was replying to YKLooi that has similar circumstances and sharing views..
U know.. FORUM? google it

And er.. FSM, PM, Stocks, whatever - aren't these just tools or vehicles to reach our PERSONAL GOALs?
no ka? Asset allocation not part of using FSM too?
Isn't the WHYs important to share too, thus one can ascertain other's views?

oh.. U doing FSM for the sake of FSM? like doing maths for the sake of maths?
cool.. good for U

This post has been edited by wongmunkeong: Mar 11 2015, 11:23 PM

aiyo dun gaduh lah ...

am having a kid coming ...

This post has been edited by adamdacutie: Mar 11 2015, 11:27 PM

Perhaps to ease the worry/fear of "distracted by too much/little equities in the portfolio due to age and fear factor or the urge to change when got BAD noises.":

1. Know how much investment portfolio U need to retire on
2. Add required costs for kids' Uni
3. Tada.. total required and timeline

Then invest via FSM, PM, whatever & track based on (3.). If over-achieve, woohoo.. if under-achieve any year, tweak

Try playing with the Google Sheet link on my "signature" - hope it helps

This post has been edited by wongmunkeong: Mar 11 2015, 11:28 PM

Congrats!
It's tough for the first few months but when your little one hugs U/sleeps on your chest... nothing beats that bond & unconditional love....
THUS START PLANNING & EXECUTING to provide your little one options in life

ooo off-topic, planning investments & executing..

while i admit many post in this FSM thread do veer off topic we can't be starting a new thread for every single person.

those idiots in personal financial management has 3 housing loans, 2 car loans, 3 credit cards and 5 personal loans that these idiots don't even have money to eat better food, let alone come up with a 20-year plan.

it can go off topic but we are here to SHARE and the regulars here will give better response than the idiots mentioned and the regulars still help out those who have FSM related problems. no harm done, off topic then off topic lo.

This post has been edited by adele123: Mar 11 2015, 11:33 PM

Sorry, but this thread is not about your PERSONAL GOALS.

It is about how FSM can help others achieve their personal goals. There is a difference, thanks.

Got someone wanna hijack my chairmanship

No problem.

In case I forget, someone can remind me about how their kids detailed planning can add relevant info to FSM.

Since one is semi-blind (or total in this case), i'll spell it out:
When the WHYs are shared,
with asset allocation / de-allocation & shifting the resource$ out,
with timeline,
doesn't this help in investing via FSM or any other platforms for that matter?

some folks need BIG HUGE NEON SIGNS "to see" relevance..

anyhow, i was responding to YKLooi, thus if U have an issue with that - please take it up with the relevant party.
another "genius" poking wrong person for wrong item.