By many Benjamin Graham is known as to be the father of “value trading” and along with his publication “The Intelligent Investor”, Mr. Graham brought value trading to the average person buyer. Intermittently rebalance a container of VTI (stocks) and TLT (bonds) and allocate 75% of capital to the best executing EFT and the rest of the 25% to the other ETF. The rebalancing frequency may be arranged for example to quarterly or regular. Performance is measured using the total return over the last quarter or prior 90 days.
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Firstly, have a lock-in period for LRIS, and perhaps praise the lock-in dedication. The rewards of the lock-in period could be a variety of things. For instance, waive off account fees for the lock-in period maybe? Essentially, the G would be going for a bet that the fund would be able to generate at least about 1% a year, and if not, they would be willing to top up the shortfall. If the funds that they opt to include can’t even make 10% after a period of 10 years, then they really have a problem in selecting money.
Secondly, it would be to permit SRS money the same access to these money. I like to think of SRS traders as an extremely similar investor of these with CPF IS-OA/SA. The money is locked for a long period away, but for the advantage of possibly withdrawing at a penalty, there is zero guaranteed profits. In fact, the SRS investor would be very hyped if these were in a position to also invest into the LRIS funds!
LRIS is based on the SRS being that they are intended for long-term retirement investing, so there is a very good match investment goals and investment timeframe. Also, the zero risk-free returns means that the returns of the LRIS funds would be perfectly received. It is definitely a far more natural progression to go such money into funds in comparison to moving CPF monies that are making a good risk-free rate into funds. By allowing SRS investors in, LRIS money would also get more capital and hopefully that means they can be run more efficiently and cheaper!
Personally, as derange and in love with risk-taking as I am (my investments in Gold miners and Russia would like to say hi there!), I am not lured to use my CPF monies and invest in the LRIS. To me, I feel that the risk-free amount in the SA is disgustingly high and I favor to see my CPF as the bond part of my portfolio – the portion where I am risk-adverse.