Singapore

Portfolio Allocation

Free Singapore calculator designed to help users make accurate financial decisions using local standards.

By the GlobalCalqulate team, founded by Pavan Kusunuri · About our editorial standards

Personal Profile

Your age (years)

Younger investors can take more risk. Age is a key factor in asset allocation (e.g., 100 - age = equity % rule).

Investment horizon (years)

How many years until you need the money (retirement, education, house). Longer horizon allows higher risk allocation.

Risk tolerance

Determines how much volatility you can handle. Conservative = lower stock allocation, aggressive = higher stock allocation.

Primary investment goal

Different goals have different time horizons and risk profiles.

Portfolio & Assets

Total portfolio value (SGD)

Total investable assets excluding CPF and SRS if you choose not to include them.

Include CPF OA/SA as part of portfolio?

CPF OA and SA earn stable interest (2.5-4%) and can be treated as a bond/cash component for allocation purposes.

CPF OA + SA balance (SGD)

Total CPF Ordinary Account and Special Account balance if including CPF.

Include SRS as part of portfolio?

SRS funds are invested in similar assets and should be considered for overall allocation.

SRS balance (SGD)

Current SRS balance if including SRS.

Current Allocation (Optional)

Current stocks/equity allocation (%)

Current percentage allocated to stocks (local, regional, global).

Current bonds/fixed income allocation (%)

Current percentage in bonds, SSBs, T-bills, and fixed deposits.

Current REIT allocation (%)

Singapore REITs are popular income-generating assets. Include if applicable.

Current alternatives allocation (%)

Gold, commodities, private equity, hedge funds, etc.

Current cash allocation (%)

Cash, savings account, money market funds.

Rebalancing

Rebalancing frequency

How often to rebalance portfolio back to target allocation. Yearly is common and cost-effective.

✓ Reviewed and updated for accuracy using current official rates and widely accepted formulas.

Help & FAQs

Frequently Asked Questions

Clear answers to common questions to help you use this calculator confidently.

How do I choose between conservative, moderate, and aggressive portfolios?

Tap to view the answer

Conservative = Lower risk tolerance, nearing retirement. Moderate = Balanced approach for mid-career. Aggressive = Long time horizon, comfortable with volatility. Younger investors (10+ years) can afford more aggressive allocations.

How often should I rebalance my portfolio?

Tap to view the answer

Rebalance annually or when allocations drift >5% from targets. This locks in gains and maintains your desired risk profile.

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How to Use This Calculator

Enter your age and investment horizon

Younger investors with longer horizons can allocate more to stocks.

Select risk tolerance and investment goal

Conservative = lower risk, aggressive = higher expected returns but more volatility.

Add your portfolio value (including CPF/SRS if desired)

Include all investable assets for a complete picture.

Enter current allocation (optional)

If you have an existing portfolio, this helps see the gap to target allocation.

Review recommended allocation

See suggested percentages for stocks, bonds, REITs, cash, and alternatives.

Calculate rebalancing needs

If you have current allocation, see what to buy/sell to reach target.

Understanding Your Results

Recommended Asset Allocation
Suggested percentages for each asset class based on your age, risk tolerance, and goals.
Stocks (Equities)
Growth-oriented asset. Includes Singapore STI ETFs, global equities (e.g., S&P 500), and emerging markets. Higher risk, higher expected return.
Bonds & Fixed Income
Income-generating, lower volatility. Includes Singapore Government Securities (SGS), SSBs, T-bills, and corporate bonds.
REITs (Real Estate Investment Trusts)
Singapore REITs (e.g., CapitaLand, Ascendas) offer income and diversification.
Cash & Cash Equivalents
Emergency fund and dry powder. Includes savings accounts, money market funds, and fixed deposits.
Alternatives
Gold, commodities, private equity, hedge funds – for further diversification.
Rebalancing Actions
If current allocation is provided, see specific buy/sell recommendations to reach target.

Key Tips

✓
The 100 − age rule is a good starting point – but adjust for your actual risk tolerance.
✓
Include CPF OA/SA as bond-like assets – it allows more equities in your liquid portfolio.
✓
Global diversification is crucial – don't overweight Singapore stocks only.
✓
REITs offer income but can be volatile – limit to 15-20% of your portfolio.
✓
Rebalance annually – it enforces selling high and buying low.
✓
If you're investing for income, consider higher bond and REIT allocation.
✓
Keep 3-6 months of expenses in cash before investing – that's separate from portfolio allocation.
✓
Use low-cost ETFs (e.g., STI ETF, S&P 500 ETF) for core holdings – avoid high-fee unit trusts.

Singapore Investment Portfolio Allocation Guide (2026)

Why asset allocation matters

Asset allocation determines over 90% of portfolio performance. The right mix of stocks, bonds, and other assets balances growth and risk based on your goals and time horizon.

Age-based allocation rules

The classic rule: equity allocation = 100 − age. For age 35, 65% stocks. With longer life expectancies, many now use 110 − age or 120 − age. This calculator adjusts based on risk tolerance too.

Risk tolerance profiles

Conservative: 30-40% stocks, 50-60% bonds, rest cash. Moderate: 50-65% stocks, 25-35% bonds. Aggressive: 70-85% stocks, 10-20% bonds.

CPF and SRS as part of portfolio

CPF OA (2.5%) and SA (4%+) are bond-like assets. Including them in your portfolio allows more equity exposure in your liquid investments. SRS investments should follow similar allocation principles.

Singapore-specific assets

Singapore investors have access to STI ETF (stocks), Singapore Savings Bonds (SSBs), Singapore Government Securities (SGS), and REITs – all with local currency and tax advantages.

Global diversification

Don't put all eggs in Singapore. Consider global ETFs (e.g., S&P 500, MSCI World) for diversification. Most Singapore portfolios are overweight Singapore assets – diversify internationally.

REITs in Singapore portfolios

Singapore REITs offer attractive yields (4-6%) and are a staple for income investors. However, they have correlation with stocks – consider them as a separate asset class with 10-20% allocation.

Rebalancing strategies

Rebalance annually or when allocations drift more than 5-10% from target. This sells high and buys low, maintaining risk profile. Quarterly rebalancing may have higher transaction costs.

Investment horizon impact

With a 20+ year horizon, you can withstand market cycles – higher equity allocation is appropriate. With 5 years or less, shift to bonds and cash to protect capital.

Disclaimer

This calculator provides general guidelines and does not constitute financial advice. Asset allocation should be tailored to individual circumstances, tax situations, and risk tolerance. Consult a licensed financial advisor for personalised advice.

Singapore Investment Portfolio Allocation Guide (2026)

Why asset allocation matters

Asset allocation determines over 90% of portfolio performance. The right mix of stocks, bonds, and other assets balances growth and risk based on your goals and time horizon.

Age-based allocation rules

The classic rule: equity allocation = 100 − age. For age 35, 65% stocks. With longer life expectancies, many now use 110 − age or 120 − age. This calculator adjusts based on risk tolerance too.

Risk tolerance profiles

Conservative: 30-40% stocks, 50-60% bonds, rest cash. Moderate: 50-65% stocks, 25-35% bonds. Aggressive: 70-85% stocks, 10-20% bonds.

CPF and SRS as part of portfolio

CPF OA (2.5%) and SA (4%+) are bond-like assets. Including them in your portfolio allows more equity exposure in your liquid investments. SRS investments should follow similar allocation principles.

Singapore-specific assets

Singapore investors have access to STI ETF (stocks), Singapore Savings Bonds (SSBs), Singapore Government Securities (SGS), and REITs – all with local currency and tax advantages.

Global diversification

Don't put all eggs in Singapore. Consider global ETFs (e.g., S&P 500, MSCI World) for diversification. Most Singapore portfolios are overweight Singapore assets – diversify internationally.

REITs in Singapore portfolios

Singapore REITs offer attractive yields (4-6%) and are a staple for income investors. However, they have correlation with stocks – consider them as a separate asset class with 10-20% allocation.

Rebalancing strategies

Rebalance annually or when allocations drift more than 5-10% from target. This sells high and buys low, maintaining risk profile. Quarterly rebalancing may have higher transaction costs.

Investment horizon impact

With a 20+ year horizon, you can withstand market cycles – higher equity allocation is appropriate. With 5 years or less, shift to bonds and cash to protect capital.

Personal Profile

Portfolio & Assets

Current Allocation (Optional)

Rebalancing

How do I choose between conservative, moderate, and aggressive portfolios?

How often should I rebalance my portfolio?

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Personal Profile

Portfolio & Assets

Current Allocation (Optional)

Rebalancing

How to Use This Calculator

Understanding Your Results

Key Tips

Singapore Investment Portfolio Allocation Guide (2026)

Why asset allocation matters

Age-based allocation rules

Risk tolerance profiles

CPF and SRS as part of portfolio

Singapore-specific assets

Global diversification

REITs in Singapore portfolios

Rebalancing strategies

Investment horizon impact

Disclaimer

How to Use This Calculator

Understanding Your Results

Key Tips

Singapore Investment Portfolio Allocation Guide (2026)

Why asset allocation matters

Age-based allocation rules

Risk tolerance profiles

CPF and SRS as part of portfolio

Singapore-specific assets

Global diversification

REITs in Singapore portfolios

Rebalancing strategies

Investment horizon impact

Disclaimer