Originally Posted by Unregistered

Have about 20M now. My advice is to allocate it after some leverage. After leverage say have 30M. 33% leverage is quite conservative.

25% or 7.5M property - 1 for staying. Another 2-3 1+M each ones for investment and rental. Cheaper so more liquid. Would suggest not all in SG. Sorry but i think with networth 20M cannot afford to stay GCB. I will only stay GCB only if my networth is 100M as i believe in at most 20% networth in home.

33% or 10M bonds yielding about 4.5-5%.Do your own 7 year ladder. Can own about 40 bonds. Don't fall into trap of all SGD. Buy the more liquid USD, GBP, EUR, AUD ones. Borrow if you don't want currency risk.

The bond coupons are my daily expenses. About 0.5M should be enough for most people unless you must fly 1st class and change cars, birkins and pp/ap watches regularly.

30% or about 9M. Global equity portfolio. Just dont buy all local stocks. Watch your geographcal distribution too. Watch your equity dont have too much REITs or property. Duplicates with property allocation.

10% or 3M alternatives. For me this is 1M speculative for all those structured notes, EM speculative bonds, currency plays etc. 2M Private equity funds and VCs or even own business assets?

2% or 600K on wants and not needs - 2 cars, watches, jewellery... dont go crazy here.

Hope this helps. Would be good if others share what they do. Like Whizzard?