My Unit Trust Asset Allocation
Dear all,
After nearly one year, I guess it is time for another summary on my unit trust asset allocation. You can refer to my previous one at the link below:
https://ghchua.blogspot.com/2023/09/my-unit-trust-asset-allocation.html
For asset classes, I have done nothing much other than consistently adding onto the list of unit trusts that I had been holding for CPF Investments. I have again been defensive for the past one year or so, and therefore increased my allocation to short duration bond fund again. The other asset classes are obviously down correspondingly in terms of percentage of allocation, with my additional allocation to the short duration bond fund.
For geographic exposure, Global, Singapore and US funds were the out performers in the portfolio. India, Malaysia and Taiwan funds also did well.
Laggards continued to be funds with exposure to China. Though I don't specifically hold any China funds, Asia Pacific Excluding Japan, Emerging Markets and Asia excluding Japan regional funds do have decent exposure to that market, which dragged down their performance. Other laggards include funds invested in Indonesia and Thailand.
Going forward, my strategy is to add onto existing funds, while continue to maintain a defensive positioning in terms of asset allocation. I will continue to allocate more to fixed income instead of equity, with emphasis on shorter duration to mitigate interest rate fluctuations.
Asset Class
Equity 81.2%
Balanced 12.87%
Short Duration Bond 4.95%
Fixed Income 0.98%
Geographic
Global 20.27%
Asia Pacific Excluding Japan 16.32%
Emerging Markets 12.66%
Japan 11.43%
US 8.71%
Singapore 7.68%
Asia excluding Japan 5.68%
Taiwan 3.32%
Europe including UK 3.23%
Indonesia 2.73%
India 2.58%
Thailand 2.39%
Malaysia 1.71%
Korea 1.29%
Welcome any comments (if any) on my unit trust asset allocation.
Labels: CPF, Others, Portfolio, Strategy, Unit Trust
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