What is your age and AA?
Re: What is your age and AA?
Age 59. Still working full time because I've yet to figure out an exit strategy.
Wife age 58.
35% stock funds split 70 total US, 30 total international
35% bond funds
30% cash
Wife age 58.
35% stock funds split 70 total US, 30 total international
35% bond funds
30% cash
Re: What is your age and AA?
I thought I posted to this thread before but don't see my post. Maybe this topic was discussed before. Anyway, we are both 64 and our current allocation is 45% stock and 55% bonds. I am surprised to see how young some of my favorite posters are or maybe we are just old.
Best Wishes, SpringMan
Re: What is your age and AA?
I'm 33, new boglehead, just started executing my plan last month. It looks like I'm one of the few guys with % that is not divisible by 5.
TSM 41%
SCV 7%
REIT 5%
EAFE 22%
EM 5%
Total Bond 10%
TIPS 10%
TSM 41%
SCV 7%
REIT 5%
EAFE 22%
EM 5%
Total Bond 10%
TIPS 10%
Re: What is your age and AA?
Age 26, 200k to invest. Trying to maximize risk/return for the next 40+ years. I expect returns of the rest of the world in these sectors to surpass those of the US.
60% - FTSE world ex US small cap - VSS
30% - Emerging markets - VWO
7% - US small cap value - VBR
3% - US mid cap value - VOE
60% - FTSE world ex US small cap - VSS
30% - Emerging markets - VWO
7% - US small cap value - VBR
3% - US mid cap value - VOE
Re: What is your age and AA?
I updated the charts below to include the data of the latest posters:
Very roughly, Diehards/Bogleheads have reduced their allocation slightly to stocks after the Crash of 2008.......with the 2007 average being % stocks = 113 minus your age to the 2011 average being % stocks = 106 minus your age.........a drop of about 7% in the allocation to stocks for the younger folks.
Very roughly, Diehards/Bogleheads have reduced their allocation slightly to stocks after the Crash of 2008.......with the 2007 average being % stocks = 113 minus your age to the 2011 average being % stocks = 106 minus your age.........a drop of about 7% in the allocation to stocks for the younger folks.
Most investors, both institutional and individual, will find that the best way to own common stocks is through an index fund that charges minimal fees. – Warren Buffett
Re: What is your age and AA?
The slope is not -1; if you are adjusting to a slope of -1, it would be better to adjust the constant so that it hits the best-fit line in the middle of the distribution.DaleMaley wrote:Very roughly, Diehards/Bogleheads have reduced their allocation slightly to stocks after the Crash of 2008.......with the 2007 average being % stocks = 113 minus your age to the 2011 average being % stocks = 106 minus your age.........a drop of about 7% in the allocation to stocks for the younger folks.
2007: stocks=115-age
2011: stocks=112-age
(You can also see this from the best-fit lines, which would be 7% apart only at age 0, and are 2-4% apart in the visible portion of the graph.)
The slope difference (less tendency to conservatism with age) is the result of the two low-side outliers in 2011 both being young investors: 24 with 50% stock, and 35 with 40% stock. There were two investors just as conservative in 2007, but they were 49 with 30% stock and 58 with 18% stock.
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Re: What is your age and AA?
Age 50 and very conservative.
Equities = 30% (50/50 US/Int)
Stable Value = 10%
Bonds = 20% (50/50 Nom/TIPS)
5% Real Estate (not counting home)
35% Cash
Mortgage is paid off.
Equities = 30% (50/50 US/Int)
Stable Value = 10%
Bonds = 20% (50/50 Nom/TIPS)
5% Real Estate (not counting home)
35% Cash
Mortgage is paid off.
Best regards, -Op |
|
"In the middle of difficulty lies opportunity." Einstein
Re: What is your age and AA?
I'm 63 and my wife is 65, so I guess "we" are 64.
I reduced stock allocation in past few years due both to 2008 debacle and plans to retire (when I hit 64 next year).
Stock: 30% [60% US and 40 % foreign]
Bonds: 55 %
Cash: 12%
Other: 3% (some ETFs in gold and commodities)
I reduced stock allocation in past few years due both to 2008 debacle and plans to retire (when I hit 64 next year).
Stock: 30% [60% US and 40 % foreign]
Bonds: 55 %
Cash: 12%
Other: 3% (some ETFs in gold and commodities)
Re: What is your age and AA?
Age 27
Stocks: 100%
Bonds: 0%
Cash: 0%
65% Mid-cap growth
22% Total S&P 500
13% Emerging markets
Stocks: 100%
Bonds: 0%
Cash: 0%
65% Mid-cap growth
22% Total S&P 500
13% Emerging markets
Re: What is your age and AA?
Age 24
Stocks: 180%
Bonds: 0%
Cash: 0%
30% DFA Emerging Markets Core Equity I
150% December 2013 call options on S&P 500
Stocks: 180%
Bonds: 0%
Cash: 0%
30% DFA Emerging Markets Core Equity I
150% December 2013 call options on S&P 500
Re: What is your age and AA?
Age 26
Stocks: 69%
Bonds: 31% (including the value of I-bonds)
Stocks: 69%
Bonds: 31% (including the value of I-bonds)
Re: What is your age and AA?
Dale, seeing your new comparison chart is the main reason I wanted to revive this thread. Thanks very much for your follow-up analysis!DaleMaley wrote:I updated the charts below to include the data of the latest posters:
Very roughly, Diehards/Bogleheads have reduced their allocation slightly to stocks after the Crash of 2008.......with the 2007 average being % stocks = 113 minus your age to the 2011 average being % stocks = 106 minus your age.........a drop of about 7% in the allocation to stocks for the younger folks.
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Re: What is your age and AA?
36
60/35/5 (equity/bonds/cash)
*~50% of net worth is in real estate not reflected here
**emergency fund is included in the cash portion
60/35/5 (equity/bonds/cash)
*~50% of net worth is in real estate not reflected here
**emergency fund is included in the cash portion
Re:
I am curious. At age 75, where is your income derived? Are you receiving income from any of these funds?relay wrote:Age: 75
Domestic stock fund: 32%
International stock fund: 8%
Intermed US bond fund: 36%
Short US bond fund: 9%
CD/MM/saving bonds: 15%
Buy and hold only.
Rebalance when triggered but not more frequently than 1/year.
Required distributions reinvested into same fund in taxable account
The best way to teach your children about money is to not have any.............
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Re: What is your age and AA?
Age: 25
AA: 72% stocks
AA: 72% stocks
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Re: What is your age and AA?
There seems to be an inverse relationship between increasing age and the percentage by which investors reduced their stock allocation: younger investors have decreased their stocks more than older investors. This has very long-term implications for younger investors, and may suggest a 'burned-for-life' mentality similar to that of their grandparents.gnosis wrote:Dale, seeing your new comparison chart is the main reason I wanted to revive this thread. Thanks very much for your follow-up analysis!DaleMaley wrote:I updated the charts below to include the data of the latest posters:
Very roughly, Diehards/Bogleheads have reduced their allocation slightly to stocks after the Crash of 2008.......with the 2007 average being % stocks = 113 minus your age to the 2011 average being % stocks = 106 minus your age.........a drop of about 7% in the allocation to stocks for the younger folks.
Re: What is your age and AA?
I recently read an article somewhere about how this behavior is being observed with 401k's-- the younger investors have reduced their stock allocation the most since the Great Recession and haven't looked back.
Re: What is your age and AA?
.....
Last edited by CaliJim on Thu Dec 01, 2011 7:14 pm, edited 1 time in total.
- convert949
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Re: What is your age and AA?
62/62 retired
46/51/3 (Stock/bond/cash) Recently reduced IS from 110 minus age to 105 minus age in equities due to comments on taking unnecessary risk on the forum and concerns about soveriegn debt issues. Made it through '07-'09 without changing A/A. Somehow, I am more concerned now than then...
46/51/3 (Stock/bond/cash) Recently reduced IS from 110 minus age to 105 minus age in equities due to comments on taking unnecessary risk on the forum and concerns about soveriegn debt issues. Made it through '07-'09 without changing A/A. Somehow, I am more concerned now than then...
Re: What is your age and AA?
28 yrs
80/20 lazy portfolio
80/20 lazy portfolio
Re: What is your age and AA?
Age 33 (married).
33% bonds
67% equities
33% bonds
67% equities
Re: What is your age and AA?
Age: 69 (wife 70), retired
income: pensions and SS (nothing from portfolio)
stocks: 95.75%
bonds: 2.25%
cash: 2%
income: pensions and SS (nothing from portfolio)
stocks: 95.75%
bonds: 2.25%
cash: 2%
Greg, retired 8/10.
Re: What is your age and AA?
68/64 Both Retired, with Pensions and Social Security.
61% Equities/36% Bonds/3% Cash (will probably make minor adjustment to 60% Equities/38% Bonds/2% Cash).
61% Equities/36% Bonds/3% Cash (will probably make minor adjustment to 60% Equities/38% Bonds/2% Cash).
Re: What is your age and AA?
I updated the results by adding in the latest posters:
You can get a copy of my spreadsheet here:
http://tinyurl.com/88694fe
You can get a copy of my spreadsheet here:
http://tinyurl.com/88694fe
Most investors, both institutional and individual, will find that the best way to own common stocks is through an index fund that charges minimal fees. – Warren Buffett
Re: What is your age and AA?
Age: 33
Stocks: 79%
Bonds/Cash: 21%
Stocks: 79%
Bonds/Cash: 21%
Re: What is your age and AA?
Ages: 47/39
Stocks/Bonds: 85%/15%
Stocks/Bonds: 85%/15%
He who knows he has enough is rich. Lao-Tzu
Re: What is your age and AA?
64 this month.
70% bonds
30% stocks
(Wife is 57.)
70% bonds
30% stocks
(Wife is 57.)
Re: What is your age and AA?
I'm guessing you were joking, but this might have turned out to be pretty awesome.krapht wrote:Age 24
Stocks: 180%
Bonds: 0%
Cash: 0%
30% DFA Emerging Markets Core Equity I
150% December 2013 call options on S&P 500
Kalo
"When people say they have a high risk tolerance, what they really mean is that they are willing to make a lot of money." -- Ben Stein/Phil DeMuth - The Little Book of Bullet Proof Investing.
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Re: What is your age and AA?
I would love to see an update on this. Compare 2007, 2011, and 2014. We saw ~5% decline in stock allocation from 2007 to 2011. I wonder if the recent performance has reversed that trend? If so, then it seems the bogleheads are susceptible to the same behavioral forces as other investor groups - albeit with probably less magnitude.
Stay the course. If you can't resist greed, and fear is proven to be 2x as strong, you are doomed as an investor.
Re: What is your age and AA?
We are older now but have the same AA.
AGE 69/65
AA 60/40
AGE 69/65
AA 60/40
Part-Owner of Texas |
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“The CMH-the Cost Matters Hypothesis -is all that is needed to explain why indexing must and will work… Yes, it is that simple.” John C. Bogle
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Re: What is your age and AA?
Both spouse and I are 66.
Stock: 51% (domestic 36%, international 15%)
Bonds: 47%
Cash: 2%
Stock: 51% (domestic 36%, international 15%)
Bonds: 47%
Cash: 2%
Re: What is your age and AA?
46, 80% equity 20% Bond.
Re: What is your age and AA?
60 and 37 % stocks, 60% bonds, 4% cash
Re: What is your age and AA?
age 66 - 42% equities 58% fixed income.
Can be misleading - there are so many factors that affect my investment allocation.
1. What is my risk tolerance?
2. What is my need to take risk -
3. When do I plan taking SS?
4. What is my current withdrawal rate to fund normal monthly expenses?
4.b. Do I have expensive retirement plans (e.g. world tours etc.)
5. Do I have any debts?
6. Do I have other assets?
7. What is my retirement investment goal?
8. What is my health/longevity prospects?
8.b. Do I/we have good health insurance coverage?
9. How will my allocation change as I/we age?
10. How risky are my investments?
As you can see any of the above could result in a different allocation or risk.
Can be misleading - there are so many factors that affect my investment allocation.
1. What is my risk tolerance?
2. What is my need to take risk -
3. When do I plan taking SS?
4. What is my current withdrawal rate to fund normal monthly expenses?
4.b. Do I have expensive retirement plans (e.g. world tours etc.)
5. Do I have any debts?
6. Do I have other assets?
7. What is my retirement investment goal?
8. What is my health/longevity prospects?
8.b. Do I/we have good health insurance coverage?
9. How will my allocation change as I/we age?
10. How risky are my investments?
As you can see any of the above could result in a different allocation or risk.
Re: What is your age and AA?
I'm 50 and my wife is 54. Everything is in these two funds. I don't put anything in international equities.
65/35
65% VANGUARD INSTL INDEX
35% ISHARES CORE TOTAL U.S. BD MKT (Blackrock bond Index Fund will soon be taking over for this fund).
As John Bogle says the ultimate in simplicity is simply to hold a balanced index fund and that is enough for most people. I feel the above is close enough and possibly one day, it will all be in the Vanguard Balanced Index Fund.
65/35
65% VANGUARD INSTL INDEX
35% ISHARES CORE TOTAL U.S. BD MKT (Blackrock bond Index Fund will soon be taking over for this fund).
As John Bogle says the ultimate in simplicity is simply to hold a balanced index fund and that is enough for most people. I feel the above is close enough and possibly one day, it will all be in the Vanguard Balanced Index Fund.
Last edited by stemikger on Sun Nov 09, 2014 7:41 am, edited 2 times in total.
Choose Simplicity ~ Stay the Course!! ~ Press on Regardless!!!
Re: What is your age and AA?
Age Me 53, Wife 50
AA (approximately)...
45% equities split up (50/50 US/Foreign, 50/50 Large/Small and 50/50 Value/Market)
10% Bonds/Cash
45% Land/Timber
Trev H
AA (approximately)...
45% equities split up (50/50 US/Foreign, 50/50 Large/Small and 50/50 Value/Market)
10% Bonds/Cash
45% Land/Timber
Trev H
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Re: What is your age and AA?
Age 58, Wife 63.
58 % Stock
42 % Bonds/CD/Cash
Plan to reduce the stock allocation to 50% over the next year or so.
58 % Stock
42 % Bonds/CD/Cash
Plan to reduce the stock allocation to 50% over the next year or so.
Re: What is your age and AA?
Age 62.5 wife 61.5
60/40 in all IRA/401k accounts and planning to remain that way indefinitely even in retirement starting next year.
The reason for this seemingly risky AA is 50k in combined SS + pension at my age 63, 63k at age 66, 88k at age 70. Less than 4% withdrawals my age 63 to 66, less than 3% withdrawals 66-70. RMD from 70.5 on, partially reinvested.
60/40 in all IRA/401k accounts and planning to remain that way indefinitely even in retirement starting next year.
The reason for this seemingly risky AA is 50k in combined SS + pension at my age 63, 63k at age 66, 88k at age 70. Less than 4% withdrawals my age 63 to 66, less than 3% withdrawals 66-70. RMD from 70.5 on, partially reinvested.
Re: What is your age and AA?
Me: 63 and retired
wife: 66 non working
25% stocks (mostly in vanguard, some GE, COP, ETV for dividends)
65% bonds (mostly short and intermediate term Vanguard funds)
Get union pension starting at 65, won't take SS til 70.
Conservative, but my feeling is, once you've 'won the game', why keep playing?
wife: 66 non working
25% stocks (mostly in vanguard, some GE, COP, ETV for dividends)
65% bonds (mostly short and intermediate term Vanguard funds)
Get union pension starting at 65, won't take SS til 70.
Conservative, but my feeling is, once you've 'won the game', why keep playing?
Re: What is your age and AA?
Age 30
100% US Stock + 9 months cash
100% US Stock + 9 months cash
"Discipline equals Freedom" - Jocko Willink
Re: What is your age and AA?
Age 45/43
AA
75 Equities
25 Bonds
EQUITIES:
50 US Total Market
10 US SCV
25 International Total Market
5 Intrnational SmallCap
10 REIT
BONDS
75 Total Bond Market
10 Int'l Bonds
10 I-bonds
5 Cash
AA
75 Equities
25 Bonds
EQUITIES:
50 US Total Market
10 US SCV
25 International Total Market
5 Intrnational SmallCap
10 REIT
BONDS
75 Total Bond Market
10 Int'l Bonds
10 I-bonds
5 Cash
Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.
Re: What is your age and AA?
Me, age 41. Wife, age 45
We are 81% equities and 19% bonds/CDs/cash
We are 81% equities and 19% bonds/CDs/cash
Re: What is your age and AA?
Age 56/55
stocks = 74%; bonds = 26%
looks like we are outliers in this poll, but I know there are several regular posters our age that are at least this aggressive.
stocks = 74%; bonds = 26%
looks like we are outliers in this poll, but I know there are several regular posters our age that are at least this aggressive.
Re: What is your age and AA?
Age: 35, Wife: 33
Stock: 70% (domestic 49%, international 21%)
Bond: 30%
Stock: 70% (domestic 49%, international 21%)
Bond: 30%
Three-fund portfolio |
"Simplicity is the master key to financial success." John C. Bogle
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Re: What is your age and AA?
40 years old (not yet but just about there) with a 70% stock and 30% bond asset allocation.
Stocks are sub allocated 60% US and 40% International.
Best.
Stocks are sub allocated 60% US and 40% International.
Best.
John C. Bogle: “Simplicity is the master key to financial success."
Re: What is your age and AA?
Almost 35.
75% equities, 25% fixed income.
75% equities, 25% fixed income.
cheers ... -Mark |
"Our life is frittered away with detail. Simplify. Simplify." -Henry David Thoreau |
[VTI, VXUS, BND, VTEB, SV fund]
- TheTimeLord
- Posts: 12092
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Re: What is your age and AA?
Early 50's (at least I consider it early)
65% Equities
35% Bonds/I Bonds/CDs/Cash
....considering increasing Equities with new money now that I have exceeded my number, once I leave the workforce then I would guess I will naturally become somewhat more conservative.
65% Equities
35% Bonds/I Bonds/CDs/Cash
....considering increasing Equities with new money now that I have exceeded my number, once I leave the workforce then I would guess I will naturally become somewhat more conservative.
Last edited by TheTimeLord on Mon Nov 10, 2014 10:52 am, edited 1 time in total.
IMHO, Investing should be about living the life you want, not avoiding the life you fear. |
Run, You Clever Boy! [9085]
- just frank
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Re: What is your age and AA?
Me: 46, Wife: 50
Two mid-career professors with tenure....more risk tolerant AA. Investments across (4) 403(b) plans, 3 at TIAA and 1 at Vanguard
Currently:
86% Equities:
—78% Mostly Large-Cap US Equities (mix of TISPX, TRCPX, VINIX, CREF-stock, VHCOX and others)
—8% REITS (CSRIX)
14% fixed income:
—TIAAtrad
When the market is making significant new highs, I gradually shift up to 10-20% of AA from Equities into TIAA-RealEstate as 'dry powder' to buy dips (like last month, bought into equities with S&P at 1874). As long as TREA is gaining 10% pa with low volatility this seems like a harmless timing hobby.
Two mid-career professors with tenure....more risk tolerant AA. Investments across (4) 403(b) plans, 3 at TIAA and 1 at Vanguard
Currently:
86% Equities:
—78% Mostly Large-Cap US Equities (mix of TISPX, TRCPX, VINIX, CREF-stock, VHCOX and others)
—8% REITS (CSRIX)
14% fixed income:
—TIAAtrad
When the market is making significant new highs, I gradually shift up to 10-20% of AA from Equities into TIAA-RealEstate as 'dry powder' to buy dips (like last month, bought into equities with S&P at 1874). As long as TREA is gaining 10% pa with low volatility this seems like a harmless timing hobby.
Last edited by just frank on Mon Nov 10, 2014 4:50 pm, edited 1 time in total.
Re: What is your age and AA?
29
100% Stocks
70/30 US/International
100% Stocks
70/30 US/International