It’s 2021, and the pandemic is not quite over yet. Although, in Sydney, we are very lucky that the pandemic is well under control, as life is returning to the ‘old-normal’.
The last two quarters had been the quarters of growth in the equity assets. Not so much if you are invested in bonds. I managed to rebalance some of my portfolios into the following allocation.
| Percentage | Target | |
|---|---|---|
| Australia | 28.89% | 30.0% |
| Emerging | 8.34% | 8.00% |
| US | 12.69% | 13.00% |
| International (non-US) | 11.68% | 12.00% |
| REIT | 6.26% | 6.00% |
| Bonds | 21.02% | 20.00% |
| Cash + Gold | 11.12% | 11.00% |
I learned a bit more about the crypto asset class, especially about the potential of DeFi, and crypto asset-lending. It’s quite an interesting asset class. I decided to speculate/invest 1% of my portfolio to it. We will see how it goes. It’s quite impressive that the return is already at around 7.2% in the 4 weeks since I started although the volatility of cryptocurrencies is insane.
Two currency portfolio is what I’m aiming for Bitcoin ฿ and Ethereum Ξ. In my Ξ wallet, I have a few EC-20 coins like DAI, USDC, and Uniswap. I use ledger to store my coins.