The very first article I wrote for Financial Horse was on the ideal net worth allocation by age for Singaporeans. Many times, we as investors fret over which stock or which REIT to buy, when actually what matters far more is the asset allocation. Each asset class comes with its own risk and reward, and a unique mix of each is required to achieve financial goals at each point in our life.

With this in mind, I decided to revisit my asset allocation article, and rewrite it from the ground up. Do share your thoughts on whether you agree, or disagree, with my proposed allocations.

In the long run, your performance will normalise

Time and time again, articles have shown that 80% of investors who invest their CPFIS would actually be better off leaving their money in CPF and earning the CPF OA interest rates. Think