Part 5/9:
| Time Horizon | Recommended Investment Mix |
|---|---|
| 1-2 years | Fixed deposits, money market funds, T-bills, Singapore Savings Bonds (low risk) |
| 3-4 years | Focus on bonds, minimal equities |
| 5 years | Consider a mix, e.g., 80% bonds, 20% equities |
| 7-8 years | Shift towards 60% equities and 40% bonds |
| 10-15 years | Approximately 80% equities, 20% bonds |
| Beyond 15 years | Up to 100% equities if comfortable with volatility |
This stratification helps tailor your investment strategy, balancing growth potential against risk exposure suitable for your timeline.