@timtalksmoneysg: You'll probably never see your coworker's real portfolio. I got 4 real Singaporeans to send me theirs, anonymously. One of them had 60% of her portfolio sitting in two stocks, and asked me if she was investing too little. Another had insurance policies with 10-year lock-ins, and still thought three bank stocks counted as diversification. The best one I reviewed made one mistake. Holding two ETFs that look different but are betting on the exact same companies. And someone with a household income of $330,000 a year had $200,000 just sitting in cash, doing nothing. That's roughly $14,000 a year they're not making, every year it sits there. I've reviewed dozens of portfolios. The same three mistakes keep showing up, no matter the age or income. Idle cash. Accidental overlap. Money scattered across too many platforms to actually see. I review all 4 portfolios in full. These are the real numbers, tickers, and changes I'd make. Want the full breakdown? Check it out at TimTalksMoney on YouTube. #singapore #fypsg #PersonalFinance #investments #longterminvesting

Tim Talks Money

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Tuesday 15 September 2026 11:00:53 GMT