Below is the composition of my complete investment portfolio at cost since I started earning. This portfolio will change over time as and when I deem fit.
Aside from stocks, I consider cash, property, CPF, SRS, precious metals, insurance-investment-linked-product as my part of my investment portfolio since these are components that can potentially earn tangible returns.
Every cent here is from my own hard-earned money with no external support whatsoever.
Property - Includes down payments, installments, stamp duties, first time renovations and furniture expenses. All recorded as cost and excludes capital appreciation. It also excludes my wife’s portion of payments.
CPF & SRS - Includes current balance of CPF not wiped out for my properties & SRS. It also includes CPF and SRS used for investments in stocks and funds.
Warchest - Cash waiting to be deployed when stock market is beaten.
Stocks - Excludes stocks bought from SRS.
Emergency mortgage pay down - Cash to be used for paying down home loan if interest rate increase.
Emergency fund - Cash or liquid bonds such as SSB to last approx. 5-6 months of expenses. I did not consider the worst situation that both my wife and myself are out of job. The reason being if that really happens, I am still able to utilize my cash labeled as warchest and mortgage pay down as E fund expenses. Or worst scenario of all, I can also liquidate my equity or gold and silver.
Gold & Silver - Cash waiting to buy gold and silver as appropriately. I think setting aside at least 10% of portfolio of cash and stocks in precious metals as an hedge against inflation make sense.
Insurance Investment linked product (ILP) – Sum of total monthly amount spent on insurance and ILP since day one. I first started buying ILP since 1997 when I was completely ignorant about financial literacy.
Bonds - I will also be looking to add high grade corporate bonds into my portfolio in time to come. Meanwhile, I had applied for SSB, but it is classified under my E fund.
To me, money spend on intangible investments can be considered even more important. This includes money spent on health, family members, friends, relatives, hobbies, leisure, entertainment, tour etc.
This is because life isn’t only about tangible returns.
Refer to my 5 sets of priorities in life here.