I had similar thoughts like you at one point and the general advice of 50% equity and 50% debt for young earners didn’t appeal to me much. I think when the portfolio is small, and when you are starting out, 50-50 makes a lot of sense. Gives one a lot of peace of mind.
However, if you look at a 1CR+, do you need 50% of the same in debt? Especially if you are living way below your means and retirement (or lack of employment) is 10+ years away? I don’t feel that way. I think one could go for 70% or 80% into equity. The assumption is that you know what you are doing and is willing to sit through (and buy more) during drawdowns.
Emergency fund, short term and medium term goals are outside of the above math.
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