At the latest Young and Savvy seminar held on Tuesday, the audience of around 150 students and staff from SMU pressed a panel of speakers on topics such as timing the market and creating a balanced portfolio of investments. It was organised by The Straits Times with sponsor Frank by OCBC and held in partnership with SMU. Panellist Chew Shan An, who is a third-year Accountancy student, recommended diversifying into other asset classes such as bonds. He also pointed to advice from investment guru Warren Buffett, who recommends balancing a portfolio with 25 per cent of holdings in bonds and 75 per cent in stocks.