Investment Portfolio for Retirement

[Beagle]

Conservatively it should have these components as a basis set to appropriate percentages e.g. cash <5%; NZ Fixed Int 30% Int'l Fixed Interest 12% etc etc.
Even with a 500K portfolio those divisions means mostly using funds so as to gain company diversification within each sector. It is usually accepted as practical to have a large element of fixed interest in NZ despite it not being quite correct.

Cash
NZ Fixed Interest
International Fixed Interest
Property
NZ and Australian Equities
International Equities - Core
International Smaller Companies
Emerging Markets
Specialty

Thanks but that's straight out of the authorized financial advisor standard rulebook. What ynot needs is specific advice. For example if one were to have some of their funds in emerging markets which fund would you recommend ? How does he buy them e.t.c.
I would go with TEM in that sector which is easy and cost effective to buy on the NZX but I would only recommend a maximum of 5% in that area. (Almost zero yield for one thing, same for international fixed interest) (Disclaimer - Not that I am an AFA or specifically recommending anything)