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

Way too much , about 70% of everything liquid converted to MYR market value from cash/cash like/bonds/EPF+ASNB FP like (no risk of capital drawdown). Cash portion inclusive of emergency fund and broker deposits.