As you guys know, I spend a lot of time thinking about asset allocation.
So I recently decided to cross check my thinking against AI, and see what inputs AI can bring to the picture.
So I asked AI to come up with the ideal asset allocation for a 35 year old Singapore investor (we discuss other age groups below don’t worry), with the following profile:
- Looking to invest to grow wealth aggressively
- However constraints as a Singapore investor are:
- Has to have at least 30% allocated to Singapore real estate (given high Singapore real estate prices)
- Has to have at least 10% in CPF, given mandatory CPF requirements on CPF-SA and Medisave
What is the Ideal Asset Allocation for this 35 year old investor (according to AI)?
Here’s the answer:
“Executive answer (3-liner)
- 45 % equities (35 % global, 10 % SG equities/REITs), 30 % direct SG real estate, 10 % alternatives, 10 % CPF balances, 5 % cash.
- Property sleeve captures continued but moderating price gains (URA Q1-2025 PPI +0.8 % q-o-q) while
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