How do you consider this diversification of my Net Worth?

[sonny]

Hello everyone, a new user here.

I am 32. My net worth is $275,000 and I've diversified in the following way:

Bank deposits, cash and cash-equivalents: 51%

Stocks (US, European, World -- mostly diversified ETFs, but also some individual stocks; no leverage): 42%

Life insurance: 3%

Pension funds: 3% (my private IRA; plus I have some skin in the whole government-run pension system in my country, but my current payments are being spent on current retirees and I have a "promise" for a pension in the future, so I don't count it in my NW).

Gold: 1%

I have no debt.

I own no real estate (renting). I admit I am a bit uncomfortable having no real estate holdings/investments, however I live in a middle income country and the real estate market is not developed, so consider it a bit risky. Plus the rent\price ratio is not great.

If anyone feels like making a suggestion, please do. Much appreciated.

[RetireAbroadAt35]

I'm just posting to say ... 51% cash, wow! 

I hold about 1% of my NW in cash but I'm fortunate enough to live where I have access to investments that will appreciate/provide returns reasonably safely.

Is there anything you can do to put that 51% to use?  Do you need that much liquid cash available?

I can't make specific recommendations because I don't know what the options are in your nation.

[sonny]

I'm just posting to say ... 51% cash, wow! 

I hold about 1% of my NW in cash but I'm fortunate enough to live where I have access to investments that will appreciate/provide returns reasonably safely.

Is there anything you can do to put that 51% to use?  Do you need that much liquid cash available?

In regards to cash, I have to mention that they are in deposits earning a nominal rate of 3.5% (currently there's deflation of 1% in my country). So the real interest rates on CDs here are higher than in the US.

I can't make specific recommendations because I don't know what the options are in your nation.

I have almost every possible option. The only asterisk is the real estate situation I mentioned in the OP.

[akdfjlkajsd;lkfjs;lk]

Way too much cash for my liking, even with a better interest rate than the US gets. The rest is solid, and what I would look to do. I personally want to have 5% of my net worth in hard assets (gemstones for me, gold for you). Maybe take some cash and buy some REITs/a REIT index fund, if you feel you need real estate exposure?

[Le Barbu]

what are the options in your country ? (or wich country do you live?)

if this country stock market is trivial (compared to the US), you could still have a home bias up to 20-35% so it doesnt hurt. I'm in Canada so, even if my country is 4% of the world economy, I got 30% of my portfolio toward it.

You're young, no debt etc. why wouldnt you invest 35% in US stock (VTI), 30% in the ex-US stock market (VXUS) and keep only 10-20%CDs + some REITs or domestic stock index ?

I have 0.1% of my net worth in cash btw and put almost everything (90%) toward stock since 1998