there's no generic portfolio that will apply to everyone. However,
the Shape of Money has created a Portfolio
Calculator as a general guide.
As always, please refer to the Rules
For a Safe and Successful Investment before purchasing an
- Use a qualified financial adviser to assist you in defining
the appropriate diversification strategy for you.
- It is important to ensure that you have
quick access to sufficient funds for an emergency. It
is recommended that your rainy-day fund be on
call to ensure both easy access and to protect other investments
that you may lose money on if you are required to sell quickly.
the Shape of Money suggests that you have the equivalent of
three month's household expenses in such a fund.
- If you intend to sell
your home and buy a cheaper property to help fund your retirement,
remember to include the portion of the house value you hope
to utilise as a property investment, in your portfolio calculations.
- If you're a small
business owner and intend to use the business to help fund
your retirement, remember to value the business as shares, in
your portfolio calculations.