Cory Diary : Asset Allocation

We are nearing the end of the year, when most of us start to tally our annual performance. As for me, today’s post is about my asset allocation and how it looks now as a starting point for comparison next year.

Digital Gold Savings

One of the most interesting items in this year’s pie chart is the addition of Digital Gold Savings, currently at 1%. In reality, Gold Asset is probably closer to 2% due to the balancing effect of gold shares in equity. Gold has had a parabolic run this year. The gold savings account itself has registered a 35% return year-to-date, and I am a late FOMO investor. Will it go higher? Maybe, but my strategy is to hold it long term as a hedge. There has been a gradual increase in allocation, but there is no rush for me. How far it will go — no idea. It depends on many known and unknown factors.

Retail Investments Products

This is currently at 8%. It will likely stay around this level in absolute terms. These are mainly Singapore Savings Bonds (SSB) and T-Bills. If the portfolio performs well, the allocation here as a percentage should become smaller over time. Most of the SSBs are locked in at 3% or above. T-Bill yields have come down significantly to around 1.x%. I am still in the deliberation stage on how to manage this while ensuring there is a counterbalance to riskier assets.

"Cash is king at the moment. It builds your war chest for any drawdown ahead."

Cory Diary

2025-12-28

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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.