Hypothetical question :-
What would you do with SGD$6million for investment purpose and how would you structure the portfolio?
Thanks!
Hypothetical question :-
What would you do with SGD$6million for investment purpose and how would you structure the portfolio?
Thanks!
$6m in precious metals: 70% Gold, 30% Silver
100% in physical bullion
Haiz.. you beat me to the reply haha.. my ratio a bit different:Originally Posted by gfoo
30% Gold, 10% Silver, 10% Equities, 50% CASH for spending and retirement money
I will leverage it and buy 10 million worth of properties.Originally Posted by focus
Yes, overseas properties in Australia, US and UK, but not asia, and definitely not Singapore.Originally Posted by nav14
In addition to precious metals, I suggest commodities, equities and risky foreign curriencies as well.
put everything in CPF, cos every month see statement will be very happy according to some sia suay minister
120KG of GOLD
Originally Posted by gfoo
Ok.. I think your suggestion is the dumbest of them all! :P Even if it's meant to be sarcastic..Originally Posted by august
Put everything into CPF so that govt can control how much you spent? and worse.. now is after 65yrs old.. u are only allowed to draw out 50% max right? ..And at 65yrs old somemore...
I have minimal CPF savings and I would like to leave it at that
All here are Gold Bugs ... only 1 suggested property in a property forum.. haha..
I've also been thinking of buying properties but Singapore properties too expensive and rental yield not good. So now, I temporarily park everything in equities and bonds .. and hopefully can shift out to properties when it becomes cheaper. Just my opinion.
So my gameplan is everytime I hit $400k profit, I will take out the profit and put downpayment of 30% for a property and loan the rest. So my portfolio will ultimately shift to become only properties with no equities and bonds.
You will need to be very young and have enough income for the banks to loan you the remaining $4m.Originally Posted by nav14
How much do you park in in equities and bonds to yield $400k?Originally Posted by focus
hi focus,
depends on the risk profile and age group...
risk profile:
========
if low risk profile (i.e. cannot sleep if lose a bit of capital moneies), just expose 10-30% to equities and properties... the rest put in bonds / money market, low risk of losing the capital, but high risk of becoming smaller in value due to inflation....
if med risk, then 50-50%.
if high risk, then 70-30%.
age group:
========
30-40s: suggest to be in high risk group, coz time horizon allows some risk to get to age group of > 70
40-50s: med risk group, coz not many up-down economic cycles left in time horizon to get to age group of > 70
50-60s: low risk, dun wan to lose capital at this point, to get to age group of > 70
60-70s: super low risk, to get to age group of > 70
> 70 onwards: leave 1 mil to kids, then plan how to spend the 5mil, including to charity, etc etc...
juz my tots...
have fun,
fc
move to australia(western).
Do you need S$6M to migrate to Australia?Originally Posted by polarinda
If you are keen to do so, you can do so anything.
The hypothetical amount..Originally Posted by xebay11
not enough to buy ardmore park
What to do.. I not at your level yet..Originally Posted by Property_Owner
so have to think of ways to optimise the money
Who doesn't want to buy sentosa cove or ardmore if got the money.. sob sob sob
That's why need to come here to listen to how you guys structure your investment portfolio to learn more.. learn from the best.
then cannot follow me. i crazy one as i'm too poorOriginally Posted by focus
60% cash, 30% gold, 10% silver
i count property as a liability, not an asset.
Don't worry. I'm not following you!Originally Posted by gfoo
I'm just gathering information on how property investors allocate their capital.
Always good to have an open mind and shorten the learning curve.
80% equities (index funds and asian focused stocks weighted on the banking and transport sector); 20% in SGP bonds and precious metals.
The dividends arising from the equities: to fund my properties.
if u talk about yield (strictly in terms of rental income and NOT capital gains), property sucks. u need a balanced portfolio, and the portfolio cannot be consisting solely of properties.Originally Posted by focus
even IF one manages to lease out all properties at the same time, the yield is at best 2-3%; after deducting property taxes, maintenance charges, upkeep of rental property, agent fees, and the income tax component on rental income. investment to me is all about managed risk and yield. my 2 cents.
Gold/Metal is worse than property and shares. Property has rental while shares has dividends. Gold/metal has 0% yield or even negative yield.Originally Posted by new2mondrian
totally agree. gold/metal should be part of risk management strategy and never about yield. that's why I was amazed to see so many goldbugs here.Originally Posted by Reporter
If you fully pay up 5 million worth of properties - should be able to get around 50-60% mortagage based on these fully paid properties held as collateral even without a very high income and there is another 1 million left to be paid a deposit for the remaining purchases. So total value of 9 million might be possible without being a big earner or too youngOriginally Posted by xebay11
Gold has only started moving recently after a super long hibernation and it may go into another long hibernation in time to come. IT has been proven that only 5-10% of investors will make money in stocks in the very long term and that too you need to be very savvy or have lots of luck. So the safest and best investment which may be the least exciting but with reasonable long term returns is property. Many Singaporeans and people all over the world became rich through property and not through stocks, gold, silver or other investments.Originally Posted by new2mondrian
Wow! You are an agrressive equities person! 80% of investment portfolio in equities alone. But like you say.. managed risk..Originally Posted by new2mondrian
Yes, I was saying rental yields here are low and thus, properties is expensive. But I buy properties for capital gain, the rental is to sustain the installment only. Though I would opt for new launches so I can have the opportunity to exit before TOP to compound the money.
Hope to become like property_owner.. looking at the number of properties he have thru the forum threads.. think he is damn rich and savvy property investor. Imagine owning a Ardmore Park apartment and then got MBR unit as well.. easily worth >$10mil.
Hmm... how come I never think of that!Originally Posted by nav14
It's actually quite safe to leverage this way ..
The loan amount can be financied by the rental from the financied properties.. in the event that rental not enough to cover, can use the cashflow from the fully paid up properties to finance the loan.
That is provided it is easy to make money in equities. My 25 yrs experience has proven stock investments to be one big merry go round. Lose , win, lose, win and in the end back to square one. All excitement but no profit at the end of it. By the time property prices come down to a level attractive to you, you might be stuck with depressed equities. When stock values recover, property values would have shot up as well. The ideal is perfect exit and entry into such investments but this hardly happens and ideals will remain ideals.Originally Posted by focus
I will buy 4 properties cost 1 mil each, rental abt $3.5k each but -$350each for maintainance fee. so all in total about $12-$13k per month. quite decent income. $600k for shares and $400k for bonds and I still have 1 mil in my bank account.
Originally Posted by nav14
Property is about holding power.