Hi, what would be a good investment portfolio for someone in her early 30s with $250K in total savings? Are short term saving plans eg. lock up capital for 3-5 years with 2-3% returns good?

Historically, inflation averages around 2% to 3% annually. A savings plan yielding 2% to 3% essentially locks your purchasing power in place, meaning your real return (after inflation) is close to 0%. Over 3 to 5 years, this causes your money to lose relative value. umr sign in

Buy property? I think not a good idea. I will put at FD

It all depends on your risk tolerance. 2-3% seem already quite nice, in the end it would be yourself to state if 2-3% are enough. subtract for seeing net returns also inflation rate.

For the U.S. broad stock market (S&P500) super-longterm performance over decades was 6-7% anually, for the last decade double that. 'Expert' wisdom recommends cautiously that you should not invest into stocks only, and to globally diversify the stocks allocation. and they believe that the mentioned annual stock market performance for the coming yesars will drop again significantly to maybe 3-4%.

If you decide to go for stocks, ETFs tickers SWRD or ISAC would be among the most conservative, balanced and cheapest choices. Never buy unit trusts/mutual funds.

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I have written two texts as an introduction to investing here (but do not follow the mentioned technology investing mentioned there).

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https://seedly.sg/posts/what-is-your-general-in...

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https://seedly.sg/posts/what-is-your-general-in...

All depends on Your risk tolerance and Your investing horizon.

With an investment horizon of more than 10 years (money locked up in this period, and not subjected to 'panic crash selling') major global stock asset allocation could be long-term more successful than other cateogories. Passive global indexing via cheap and large stock ETFs would be an excellent choice.

more on my thinking here:

https://seedly.sg/questions/what-is-your-genera...