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