35 per cent in property
20 per cent in local stocks
10 per cent in foreign stocks
15 per cent in high-risk short-term instruments such as equity-linked notes and dual currencies
20 per cent in retirement funds, including CPF, a supplementary retirement scheme and long-term stable low-risk instruments such as money market funds and fixed deposits
His overall balance of wealth is 55:45 between long- and short-term investments.
His returns average 10 per cent, excluding his property investment.
He plays a timing game and goes into the stock market at every dip and gets out when he makes 20 per cent profit.