Equity exposure (across the Portfolio)

Investing / Portfolios
1

What is your Equity exposure (across the Portfolio), excluding 2nd Pillar?

  • 0-25%
  • 25-50%
  • 50-75%
  • 75-95%
  • 100%
0 voters

What is your equity exposure across the portfolio (including 2nd pillar)

  • 0-20%
  • 20-40%
  • 40-60%
  • 60-80%
  • more than 80%
0 voters

What percentage of your portfolio is your 2nd pillar

  • 0-20%
  • 20-40%
  • 40-60%
  • 60-80%
  • More than 80%
0 voters
2

Is there a reason for excluding 2nd pillar (most people are probably doing holistic allocation, e.g. 2nd pillar is 25%+ of my NW)

1 Like
3

Yeah because mostly 2nd pillar is not under anyone’s control.

Maybe I can add both options including and excluding

1 Like
4

You miss a third question blob: what percentage is your 2nd pillar (of your total Portfolio). That will put things into perspective. Mine is about 45%

5

Added

1 Like
6

@TeaGhost @nabalzbhf

When you account for 2nd pillar as part of portfolio, do you use current value minus applicable lump sum tax ?

Or you ignore the lump sum tax.

Ideally NAV = Current value - Lumpsum tax

7

How about another poll “what do you invest in besides stocks” with bonds, gold, RE, managed futures etc. as options?

8

Yes, I reduce both 2nd Pillar and 3rd pillar by 12%. That should roundabout equate to my forecasted capital withdrawal tax (pre any change thereto).

2 Likes
9

I couldn’t find an option for slider based poll. Originally I was thinking of asset allocation poll

10

Do you include real estate as part of the portfolio, or consider only liquid assets?

1 Like
11

For me everything is part of portfolio . For RE I think only the personal equity would count . Right?

13

Something like this? I could also create a separate post for it, or you can paste it into the first post.

If you have other asset categories in your portfolio excluding 2nd pillar, what are they:

  • Bonds – up to 10%
  • Bonds – more than 10%
  • Real Estate – up to 10%
  • Real Estate – more than 10%
  • Commodities – up to 10%
  • Commodities – more than 10%
  • Gold – up to 10%
  • Gold – more than 10%
  • Managed Futures – up to 10%
  • Managed Futures – more than 10%
  • Bitcoin – up to 10%
  • Bitcoin – more than 10%
0 voters
14

Maybe a different post would be better

15

Thanks for responses so far.
It seems like most investors on forum have high equity exposure.

64% of people have > 60% exposure to equities across their portfolio (including 2a)

65% of people have >75% exposure to equities across their portfolio (excluding 2a)

It might not be very relevant for everyone here but I am still in search of a “good” asset allocation strategy for an average investor.

For an average investor , we know world ETF with market weights is good enough when it comes to Equities. But what can be a starting portfolio for an average investor across asset class?

  • 60/40 balanced portfolio
  • Ray Dalio all weather portfolio
  • 100% equity portfolio
  • Warrant buffet 90% stocks 10% Short term treasuries
  • Ben felix says -: 84% stocks , 6% RE & rest bonds
  • Anything else?

We always say it is depending on risk tolerance. But there must be some sort of guidance on what’s best for most



16

You’ve seen my allocation here:

  • 70% stocks, 30% other (15% bonds, 5% gold, 5% commodities, 5% RE)

But this is for the pension portfolio. On top of that, I had my own home - which I feel to be an important asset to own. Adding in RE equity, I get to:

  • 56% stocks, 24% (bonds, commodities, RE funds), 20% Real estate.

I find this to be a reasonable allocation. Maybe even increasing bonds a bit more relative to stocks for a 50/30/20 split.

I think 80% stock allocation is too volatile for the average person to hold unless it is locked away in a pension fund where they don’t see the volatility and can’t panic sell out of it.

17

Thanks for sharing
I was wondering if there was some research about this too.

For example -: average Joe , don’t worry about all the theory about equity, correlation, bonds, real estate etc and just go with X% Stocks, Y% bonds, Z% RE and this would be best in long term from Returns & Risk perspective.

18

Is there a YT of his where he recommends this?

19

He doesn’t exactly recommend this. But this is what he was saying makes sense. I believe PWL capital where he works offers asset allocation strategy as service so maybe there isn’t much free content about it.

28% Canadian stocks
28% US stocks
28% international stocks
6% REIT
10% Bonds

Link here

3 Likes
20

There was a podcast where they discussed the recent paper which showed that 100% equities had the ‘best’ outcome, but maybe investors didn’t really have the stomach to stick with this very volatile approach.

1 Like
22

It could be a good starting point . However it already overweights Equities.

But I was wondering if US bond market is bigger than US stock market then why the exposure to stocks be higher then bonds for average investor?

Is it something to do with type of investor using these instruments ?