Investment Portfolio for Retirement

[Cadalac123]

I would DCA AIR and am tempted but the impact on tourism and travel is pretty direct which is why I’ve opted to wait until travel restrictions between countries are removed

[percy]

Well I am now 70.Wife is 69.
At the end of January last year I retired from selling books to school libraries. .
In May we downsized our house.Brought a new slightly larger over 60s house.
Share potfolio was reorganised.Objective was to hold along term portfolio to provide dividends, and once that was achieved the balance could be put into growth shares.Most Australian shares were sold.Two reason ;[a] I was finding the Australian small cap market difficult.[b] Australian dividends are not imputated.
Dividend NZ stocks. GNE,MEL,SPK,HGH,TRA........These stocks alone provide the level of dividends I wanted.
Other "core" NZ stocks.MCK and OCA.
Fun NZ stocks,ALF,IKE,PGW,RBC.
My largest NZ shareholding is not one of the above.
My Australian stocks include a few small holdings I will not list.
Aussie stocks.AQZ,MMI,SEQ,TTI,VHT.
I do not hold any bonds,however have a large enough cash holding.

Above posted 09-01-2019.

A few changes.
Core;PGW increased from Fun to core.MCK and OCA sold.
Fun: ALF and RBC sold.
Aussie.SEQ and TTI sold.Added AVA,MSV and PTB.
Cash holding increased.

[Joshuatree]

Or you can DCA in like I am doing - I'm avoiding AIR like the plague right now though

Yes its simply in the wrong cycle to invest in atm imo. And who knows maybe the Govt will have to buy the rest of it

[ynot]

There were a couple of other suggestions made last year,

1/ kingfisher, marlin, etc
2/smartshare. Top10 div etc

I am attracted to this type of option due to it being out of my control so to speak.

I am concerned the likes of AIR & THL are in most of the divi funds. Should I be concerned about the effect that they can have on the fund and should I wait until funds containing these type of shares are rebalanced.