Hi investors. I am looking at my self funded retirement investment spread and I wanted to get ideas from others as how they decide what percentage of their wealth do they allocate to certain investment classes. I currently hold 13% cash - is enough to live off if really needed for the meantime. I have 15.5% in P2P lending (not feeling good at moment with all the job losses going on) Superannuation 2.5% Property 39% Shares 30% (You may say that shares exposure is actually 32.5% as Super is mainly share allocation) I am feeling very nervous right now as all my investments other than cash are exposed in a risky environment. P2P 'RateSetter' CEO released data assuring that loan defaults remain low, tighter borrowing requirements and a healthy provision fund for loan defaults. So, I am hoping that even worse case scenario, that I would not lose too much there. Shares are my greatest fear. 45% in a managed fund and 55% in my own managed portfolio. My holdings are mostly large cap with some mid cap and strong balance sheets. I am a long term hold investor but right now I am not confident and foresee further large corrections and a long term recovery. My fear is that this recovery may take many years. Property is my next fear with talks of a property crash that could be as high as 40%. That is severe. And my rental income has already been reduced due to COVID19 to the point it is basically just covering running costs. Any suggestions? Thanks.