Reward 500 Tiger-coinsIn 2024, J.P. Morgan surveyed 190 family offices worldwide, revealing the investment preferences of top-tier wealthy individuals. The results show that their portfolios are diversified, balancing stability and growth. Here’s the breakdown of their asset allocation:
Equities (publicly listed stocks): 26.26%
Private Equity (unlisted companies, e.g., tech startups): 17.14%
Real Estate (residential rentals, commercial property): 14.47%
Cash (bank deposits, money market funds): 8.80%
Investment-Grade Bonds (government or large corporate bonds): 10.16%
Hedge Funds (quantitative, macro strategies, etc.): 5.23%
Other Investments (art, luxury goods, wineries, etc.): 5.04%
Venture Capital (early-stage or high-growth companies, e.g., internet firms): 4.89%
Private Credit (loans to SMEs, earning interest): 4.02%
High-Yield Bonds (junk bonds, emerging market debt, etc.): 1.89%
Commodities (gold, oil, agricultural products, etc.): 1.59%
Infrastructure Investments (roads, airports, energy projects, etc.): 0.54%
The data shows that the wealthy focus on balancing risk and return. Stocks and private equity dominate for long-term growth, while real estate and cash ensure liquidity and stability. Bonds and high-yield debt provide fixed income and risk diversification.
How Similar Is Your Portfolio to the Wealthy?
Take a look at your own portfolio and compare it with the data above. Are you more conservative, growth-oriented, or aggressive?
Questions:
Which asset class takes up the largest portion of your portfolio? Is it similar to the wealthy’s allocation?
If you were to optimize your portfolio, would you follow the wealthy’s allocation ratios? Why or why not?
Are you willing to try private equity or venture capital? How comfortable are you with the risk?
REWARDS
All valid comments will receive 5 Tiger Coins (5-50 coins; depend on comment quality)
Tag your friends to win another 5 Tiger Coins
Join our topic and post directly or leave your comments to win tiger coins~
Plus, you can stand a chance to get 100 tiger coins & $5 stock vouchers. Event detail to click: Hurray! All $5 Vouchers Have Been Sent Out 🎉 Check Out This Week’s Winners!
—————
Open a CBA today and enjoy access to a trading limit of up to SGD 20,000 with upcoming 0-commission, unlimited trading on SG, HK, and US stocks, as well as ETFs. Find out more here.
Other helpful links:
Comments
Compared to their allocation, I’m heavier in equities and riskier assets, while they spread across real estate, bonds, and private equity. I prefer keeping things simple and easy to track, which helps me stay consistent.
I don’t think I’d fully follow their ratios. Private equity and venture capital are interesting but too risky and illiquid for my comfort. My current setup suits my goals and risk tolerance, though I remain open to adjusting if market conditions change. Over time, I may also explore adding more fixed income for stability.
@Tiger_SG @TigerStars @Tiger_comments
Saving: 5%
Fix deposits: 30%
T-Bills: 20%
Stock: 30%
Gold: 15%
@Tiger_SG @TigerEvents @koolgal @HelenJanet @SPOT_ON @MHh
There is no way I can follow the wealthy’s allocation portfolio. Private equity are usually limited to certified individuals or investment companies or family offices. Increasingly, it is now made available to retail investors. However, the lock up period is long which does not fit my current situation where liquidity is important to me for me to rotate my funds across different asset classes. Venture capital and hedge fund are too high risk for me. I generally do not like bonds and fixed incomes due to their low returns. Commodities and infrastructure are also not to my liking as there is a lot of factors influencing their valuation and can be easily manipulated by big players at the national level. I don’t have enough money to have significant real estate investments. So, equity choices like ETF, theme based ETF or specific stocks will help me balance risk and returns.
Check them in the history - “community distribution“