I'm an employee of a private company that since last year has allowed us to choose our investment options twice annually _ once in March, effective in May; and once in September, effective in October. Last year, I chose the maximum 50% investment in equities. This provided a good return before but it has not been so good since the market's correction in this year's second quarter. Now it's time again for us to consider changing our investment option. I'm not sure if I should change it to 30% or lower. I can change it again next year but want to make good use of the choices they offer. Also, in times of wild stock swings, it seems too dangerous to put all one's eggs in a single basket. Gold is not my choice for sure, but what else is there that would allow me to optimise returns with a low-risk appetite?
ANSWERED BY... Teera Phutrakul, CFP, Chairman, TFPA For a retirement portfolio with a fairly long investment horizon, having only 50% in equities is considered quite small. I appreciate your concern that the Thai stock market and much of Asia have seen more than their fair share of volatility. But this is not the time to panic and scale back your equity exposure. Here's a to-do list to get you over this difficult period:
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