Cory Diary : Liquid Assets Allocation

This is a special segment of ratio reference to take a quick look when we compared Fixed returns (excluding FD ), Gold and Investment Accounts against Equities. They are generally quite liquid. The reason to exclude FD is that they are funds segregated from investments. Fixed Deposits are Emergency Funds of about 4 years. Not a lot in my situation.

What can I read from the table ?

1. There is theoretical 20% reallocation as War Chest from T-Bills/SSB and Multipliers.

    In practice, SSB which are receiving 3%+ will be quite hard to re-balance out.

    T-Bills will be much easier.

2. The Dividend generated are more than enough to pay down the loan.

    Yet think through what to do with excess from recent Tariff re-balance exercise.

3. Growth comes from US Market and Banks. Banks only 42% in this Chart perspective.

Poking on ChatGPT

Here's what I got in perspective. I did not mention my age.

Your current allocation reflects a stable, income-focused, and low-volatility portfolio—which is generally appropriate for a retiree. Here’s a breakdown of strengths and potential concerns:

✅ Strengths ("Greatness")

1. Strong Dividend Focus (Banks + REITs = 63.5%)

Likely generates a consistent income stream.

REITs add yield with partial inflation protection.

Banks in Asia, in particular, tend to be solid dividend payers.

2. Capital Preservation (T-Bills / SSB / Multipliers = 22.6%)

Provides a buffer against market volatility.

Offers liquidity and a safety net, ideal for drawdowns in retirement.

3. Low Exposure to Speculative/High-Risk Assets

Very limited allocation to volatile sectors or emerging tech/growth equity.

Suitable for your risk profile and need for capital stability.

📌 Suggestions (if alignment with goals allows):

Trim banks slightly (e.g., to ~35%) to reduce sector risk.

Reallocate 3–5% into global diversified ETFs or quality growth equity, especially US or global leaders.

Top up gold to ~3–5% if you’re concerned about inflation, currency shifts, or want a deeper non-correlated hedge.

Cheers.

Cory Diary

2025-0508

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Disclaimer: The articles presented in this blog reflect personal opinions and are intended for informational and sharing purposes only. Not responsible of errors. Readers are advised to seek professional guidance when making financial decisions and should take full responsibility for their choices.