Feb 13 2022, 01:14 PM
QUOTE(roarus @ Feb 13 2022, 12:22 PM)
I'm on 80/20 equity/bond for my ETF basket:
up to 5% for punts
75-80% IWDA and recently switched to ISAC for equity
20% LQDA for bonds
For now end game is to glide and hit 30/70 equity/bond upon retirement age then glide back to 40/60 or 50/50 or 60/40 during tenure of retirement. Will have to see how low the market return is then to decide on risk to sustain withdrawal.
My other baskets:
1. EPF + ASNB + PRS (just plain accumulation and no rebalancing)
2. Stocks/active management play
Taking into consideration of ASNB fp, & epf and treating them to be FI portions of your cumulated investment portfolio,... What are the ratio now?up to 5% for punts
75-80% IWDA and recently switched to ISAC for equity
20% LQDA for bonds
For now end game is to glide and hit 30/70 equity/bond upon retirement age then glide back to 40/60 or 50/50 or 60/40 during tenure of retirement. Will have to see how low the market return is then to decide on risk to sustain withdrawal.
My other baskets:
1. EPF + ASNB + PRS (just plain accumulation and no rebalancing)
2. Stocks/active management play
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