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chicago3200000 | Am I diversified? |
I am 32 and my wife is 33 so we have a long investment horizon. Here is how we are set up. Our holdings are divided into 6.13% cash, 70.13% US stocks, 17.09% Foreign stocks, 6.23% Bonds, .42% metals. The stock portion is overall invested 23.28% in telecoms, media, and computers, 41.46% in health care, consumer, business and financial services. The final 35.26% is held in manufacturing (consumer goods, Industrial materials, energy and utilities). Overall, we are invested 81.31% in US/Canada, 11.5% in European, 2.25% in Japan, 1.32% in Latin America, 3.08% in Asia and Australia, .54% in other markets. Am thinking that our international exposure might be a bit slight for a people are age. Am curious as to what people think of the portfolio. Should I be more diversified? If so, how? These holdings do not include real estate or other cash holdings. Thanks a ton for the help.
Additional Details
Am pretty confident in the economy over the long term. The investment in metals is 0.42%-I think pretty low.
I've asked these type of questions before and usually get great answers. |
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Common Sense
 |
Looks better than most. You should be well diversified in a well thought out "asset allocation". I get the feeling you're confusing the two.
I'm 58 and my "asset allocation" is pretty aggressive;
25% Foreign
35% Large Cap (US)
15% Mid and small cap
5% Reits
5% Commodities
15% Cash & bonds
I'm not suggesting you do what I'm doing. I use this as an example only.
Within each group I try to have an even amount of Growth and Value picks. On occasion I may overweigh or underweigh a sector.
I don't think you have enough in International. I have no idea how you've got your "capitilizion" allocated. This is more important than your concentration of some sundry sectors.
Having said that..... Your overall plan is better than most. Most people think all they have to do is strive for "winning" Stocks or Mutual Funds. A sure recipe for disaster.
Learn "asset allocation". I believe that it will give you a better portfolio mix.
Keep up the good work! |
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Don
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This is just my personal opinion. You have far too much invested in metals. They are historically terrible investments.
I would up the % in cash and foreign stocks and lower the metals holdings.
That is my opinion. |
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justbeingher
 |
You are fine because you never want all your securities to be going up at the same time because of corrections in the markets and preferred security classes shift. If you want to go with more international, not a bad idea, but know what you are doing. China and India are burgeoning industrial powers and Great Britain is opening the government businesses to foreign investors. Real estate can be good internationally as well. |
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megp
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I think you are extremly diversified! I dont think you can do or be much more! Congrats! |
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Stock Market Master
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You're really well diversified. Good job. |
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TickerHound.com
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You're probably overly diversified -- you have to realize that over time the market will average about 11% per year. So even if you bought a low cost index fund, you'd match the market, which is essentially what you're going to do with your current holdings (but you're probably paying more fees).
So you have to ask yourself if you're just looking to do average, then why pay all those fees?
But if you're looking to do above average, and you have the time to dedicate to the market, then I recommend you look into value investing (the school of investing Warren Buffet - the richest man in the world - hails from). A good "starter book" is "The Little Book That Beats The Market"...I can't say enough good things about this book and its author.
Good luck and should you have any other questions definitely drop by http://www.tickerhound.com
-John |
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IdrawHQporn
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You won't find any stockbrokers on here, they are out making money, go get some professional help, just advice, sounds like you like to be in control of your own money, and no one is gonna look out for your money like you will. |
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