Your Super asset allocation and recent changes.

  • Thread starter Thread starter Byron
  • Start date Start date
B

Byron

Guest
Mine was 100% balanced (approx 75/25 split of equities/property to fixed interest/cash). Perhaps a bit late but changed it recently to 70% cash / 30% balanced. Will change back once hopefully global situation stabilises.

What's your usual allocation and have you changed it recently or within the last 3 years?
 
I'm weighted quite heavily in a real estate asset though has low risk IMO.

I personally like your weighting when one considers what is happening at present .There are some great Equity buys at present and it would be hard with a large cash weighting like yours to resist.

I have set my new SMSF strategy with a 10% PM threshold and will continue to buy Silver as long as the price stays under $50/oz.

I think all SMSF should be holding some form of bullion IMO.
 
About to change mine and wifes allocation, any advice would be much appreciated.
Thinking along the lines of interest rates dropping, whole world economy retracting and Australia through total incompetent management dropping like a stone...where to go for safety??Cash,fixed interest??
Thanks in advance.
 
I've just finished setting up my SMSF and are now waiting for my funds to arrive.

The allocation I've settled on for the moment is 50% cash, 25% PM's and 25% shares. (mainly mining stocks)

When the S inevitably HTF I'll start moving cash into the broader sharemarket and maybe buy a property as well.

Long term I'd be looking to be 50% shares and 50% property but for now cash and PM's are the order of the day.

C
 
Contrarian said:
I've just finished setting up my SMSF and are now waiting for my funds to arrive.

The allocation I've settled on for the moment is 50% cash, 25% PM's and 25% shares. (mainly mining stocks)

When the S inevitably HTF I'll start moving cash into the broader sharemarket and maybe buy a property as well.

Long term I'd be looking to be 50% shares and 50% property but for now cash and PM's are the order of the day.

C
Click to expand...

I like high div shares with full imputation credits.There are some amazing buys at present with the big 4 banks when considering the share component.

I think I will be looking to get more PM myself and getting to 15% weighting soon.

Good luck with the SMSF.

Wish I had the cash like you are planning.Smart.
 
So shares/equities are out of favour (at least for the time being) with the respondents on this thread.

Honestly with the way equities markets are massively manipulated, imo tangible assets like property and PMs are the way to go.
 
Silverstrat said:
About to change mine and wifes allocation, any advice would be much appreciated.
Thinking along the lines of interest rates dropping, whole world economy retracting and Australia through total incompetent management dropping like a stone...where to go for safety??Cash,fixed interest??
Thanks in advance.
Click to expand...

Won't help you but imo tangible assets are the only way forward - property and PMs. Together with some cash in the form of a term deposit.
 
Kawa said:
Contrarian said:
I've just finished setting up my SMSF and are now waiting for my funds to arrive.

The allocation I've settled on for the moment is 50% cash, 25% PM's and 25% shares. (mainly mining stocks)

When the S inevitably HTF I'll start moving cash into the broader sharemarket and maybe buy a property as well.

Long term I'd be looking to be 50% shares and 50% property but for now cash and PM's are the order of the day.

C
Click to expand...

I like high div shares with full imputation credits.There are some amazing buys at present with the big 4 banks when considering the share component.

I think I will be looking to get more PM myself and getting to 15% weighting soon.

Good luck with the SMSF.

Wish I had the cash like you are planning.Smart.
Click to expand...

High div shares are good unless you are forced to sell. Eg i bought BOQ bank shares at $13.50 (peak being around $18.00) and now they are $6.79........ Only have them in order to get a discount on our home loan so do not plan to sell. I do wonder however when they are going to go back to $13.50.
 
Byron said:
Kawa said:
Contrarian said:
I've just finished setting up my SMSF and are now waiting for my funds to arrive.

The allocation I've settled on for the moment is 50% cash, 25% PM's and 25% shares. (mainly mining stocks)

When the S inevitably HTF I'll start moving cash into the broader sharemarket and maybe buy a property as well.

Long term I'd be looking to be 50% shares and 50% property but for now cash and PM's are the order of the day.

C
Click to expand...

I like high div shares with full imputation credits.There are some amazing buys at present with the big 4 banks when considering the share component.

I think I will be looking to get more PM myself and getting to 15% weighting soon.

Good luck with the SMSF.

Wish I had the cash like you are planning.Smart.
Click to expand...

High div shares are good unless you are forced to sell. Eg i bought BOQ bank shares at $13.50 (peak being around $18.00) and now they are $6.79........ Only have them in order to get a discount on our home loan so do not plan to sell. I do wonder however when they are going to go back to $13.50.
Click to expand...


BOQ are not Top 4.I have been in and out of them in the past 5 months and did OK.There is not enough time here to fully discuss BOQ.

I have sold them though.
 
45% GOLD, 45% PMGOLD, 5% GMI (Global Mining Shares Listed investment company shares ), 5% CASH.
Will wait until DOW/GOLD ratio to approach approx 2 to 3 then I'll switch to 70% General Index Shares eg, STW or GMI
 
I just started my SMSF late last year with e-superfund. My allotment is 60% cash (term deposit at 6+%), 22% gold stocks and 18% PM stored at Perth Mint (allocated). What a great feeling it is to have control over my investments for my retirement! Really appreciate the info provided here by some members.
 
Byron said:
Kawa said:
Contrarian said:
I've just finished setting up my SMSF and are now waiting for my funds to arrive.

The allocation I've settled on for the moment is 50% cash, 25% PM's and 25% shares. (mainly mining stocks)

When the S inevitably HTF I'll start moving cash into the broader sharemarket and maybe buy a property as well.

Long term I'd be looking to be 50% shares and 50% property but for now cash and PM's are the order of the day.

C
Click to expand...

I like high div shares with full imputation credits.There are some amazing buys at present with the big 4 banks when considering the share component.

I think I will be looking to get more PM myself and getting to 15% weighting soon.

Good luck with the SMSF.

Wish I had the cash like you are planning.Smart.
Click to expand...

High div shares are good unless you are forced to sell. Eg i bought BOQ bank shares at $13.50 (peak being around $18.00) and now they are $6.79........ Only have them in order to get a discount on our home loan so do not plan to sell. I do wonder however when they are going to go back to $13.50.
Click to expand...
You might be waiting a while i think.
'BANK of Queensland (BOQ) has posted a $90.6 million first half loss, with the cost of bad loans weighing on the lender.'
http://www.news.com.au/business/mar...st-half-net-loss/story-e6frfm30-1226331169018
 
Yeah, saw this the other day too. They sent me a form to buy additional shares at $6.05, as they are doing a capital raising. It would have dropped my overall cost average but frankly speaking i'd hate to send good money after bad.

It sucks that the price has dropped so much. At least i am holding on, as the shares give me a small dividend and more importantly a discount on the home loan. Hopefully by the time i am close to paying it off, the share price would have picked up.
 
DSK said:
shares have an intristic value of zerooooooooo........
Click to expand...

In the good old days before CHESS was set up when your shares tanked you at least had share certificates you could use to paper your walls or if you were out of loo paper you had another option :lol:

Kind Regards
non recourse
 
My super currently 70% cash and 30% Australian shares.. use my personal income to buy PM's and save cash. A small amount set aside for trading.
 
You must log in or register to reply here.
Back
Top