2020 is almost over. What a year it has been. At the end of this weird year, sharemarkets all around the world are recovering strongly even more than ever. Of course, the sharemarkets are not the representative of how the economy is doing. I wish many things can be simpler and more straight forward than they are.

I managed rebalanced some of my portfolio allocations to what I had planned in September by reducing exposure to REIT as much as possible without triggering too much capital gain tax – good to go for the next few years I hope.

PercentageTarget
Australia29.67%30.0%
Emerging7.78%8.00%
US9.97%10.00%
International (non-US)8.21%8.00%
REIT5.52%4.00%
Bonds29.70%30.00%
Cash + Gold9.16%10.00%

Keep reaching your goal, and be kind to others.

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