Your Current Asset Allocation

There is a lot of discussion on PC and in the media about increasing one's property portfolio, about decreasing one's property exposure, about getting more into shares, about reducing debt, about building up cash reserves for the 'dark times' ahead, etc.

Given all of this, I am interested in what other PC members' current asset allocations and LVRs are. Obviously not in dollar terms but as a percentage.

To keep it simple and to try to standardise across responses, I would suggest we use the following four asset classes:

1. Property (including PPOR, IPs, unlisted property trusts, etc)
2. Shares (direct, managed funds, domestic, international, etc)
3. Cash (bank accounts, offset accounts, etc)
4. Other (non-investment items such as home contents, cars, toys, etc)

For LVRs, I was thinking of using the following two ratios (where debt is Total Debt including PPOR loans, IP loans, car loans, credit cards balances, etc):

• Total Debt as a percentage one's property portfolio
• Total Debt as a percentage against one's total assets (sum of 1 to 4 above)

Obviously, one age has some relevance as well.

I trust others might be interested as well.

 

I am happy to kick the thread off with mine.

Age: 60​

1. Property: 65%
2. Shares: 25%
3. Cash: 8%
4. Other: 2%

• Total Debt as a percentage one's property portfolio: 48%
• Total Debt as a percentage against one's total assets: 31%

 

Age 28

Property about 70%
Cash 25% ish
Super 3-4%
Share 1%
Something like that

Debt on portfolio about 82% and hoping to reduce this

 

To me, Super is not an asset class. It is an owner of assets, like all other trusts.

I put my assets in Super under Shares, Property and Cash as listed in OP

 

For me it's age 52 and:

Super 8.5%
Property (PPOR only) 35.5%
Cash 52.4
Shares 1.1
Other 2.5

Total Debt: Zero

With no debt and a fair bit of cash I could upgrade to a better home without borrowing and / or buy some more shares (have done very well in the past with shares).

 

Estimated.. age 24..

Property (equity - cant count the banks share) : 42%
Other: 8%
Shares : 13%
Cash: 37%

Debt vs Total Asset Value: 61%

 

Age: 55

Total debt as % of estimated property value: 15%
Total debt as % of income producing assets: 12%

Cars, appliances, furniture, etc not counted as assets

Allocation of income producing assets:

Property: 78%

Shares: 22%

Cash: Not counted as asset until placed into income producing investment - may be directed to consumption over time.

Regards

 

Age,60..

Property ..67%..

Cash..10%..

Asx listed and IPO'S..23%..

No debt on anything,just always pays to have a cash buffer and adapt..

 

Age 27

Property: 90%
Cash: 1.5%
Super: 5.5%
Shares: 0%
Other: 3%

Total Debt as a percentage one's property portfolio: 87%
Total Debt as a percentage against one's total assets: 78%

Bearing in mind I have a $70,000 HECs debt haha. I also just paid all of my major bills for the year so cash has gone down significantly.

Also for those that like tracking this stuff, I highly recommend www.anzmoneymanager.com - you don't need to be with ANZ to use it and it has great finance tracking and graphing that shows you how you are going over time. It spit this information out for me and automatically updates my assets daily by pulling in data from my various banks, super, awards programs etc.

Benita

 

Aged 30 - Wife and I (1 child - aged 1.5 years)

Property: 70%
Cash: 2%
Super (90% shares/10% cash): 15%
Shares (outside super): 3%
Other: 10%

Total Debt as a percentage one's property portfolio: 57%
Total Debt as a percentage against one's total assets: 40%

However this will drastically change in the next couple of months I feel...

 

Age 30

Property: 94%
Shares: 2%
Cash: 2%
Other: 2%

Total Debt as a percentage one's property portfolio:83%
Total Debt as a percentage against one's total assets: 80%

Diversify you say? What's that...