Post your current AA
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Post your current AA
Post your AA and age.
Age: 34
AA:
EDITS for new AA pie graph, and morningstar performance pics.
3 Month:
1 Year:
3 Year:
Age: 34
AA:
EDITS for new AA pie graph, and morningstar performance pics.
3 Month:
1 Year:
3 Year:
Last edited by Longtimelurker on Fri May 23, 2014 10:18 am, edited 1 time in total.
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: Post your current AA
That pie chart seems to be a list of funds and not an asset allocation. Several of the sectors even overlap.
See also: http://www.bogleheads.org/forum/viewtop ... 0&t=129868
See also: http://www.bogleheads.org/forum/viewtop ... 0&t=129868
Re: Post your current AA
I'll play.
Age: mid 40's
AA: 80/20
35% US large cap
15% US small cap
30% Intl
20% TBM
Age: mid 40's
AA: 80/20
35% US large cap
15% US small cap
30% Intl
20% TBM
52% TSM, 23% TISM, 24.5% TBM, 0.5% cash
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- Joined: Fri Dec 13, 2013 7:23 am
Re: Post your current AA
It is a detailed AA. Please explain your comments, as they seem to make no sense.livesoft wrote:That pie chart seems to be a list of funds and not an asset allocation. Several of the sectors even overlap.
See also: http://www.bogleheads.org/forum/viewtop ... 0&t=129868
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: Post your current AA
22% US Total MKT
24% INTL (13 Emerging / 11 Developed)
46% Total Bond MKT
3% Muni Bonds
5% Gold/Silver
24% INTL (13 Emerging / 11 Developed)
46% Total Bond MKT
3% Muni Bonds
5% Gold/Silver
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- Joined: Sun Mar 15, 2009 11:58 am
Re: Post your current AA
I'll play:
Assett Class Portfolio Percentage Target
Treas 0.00% 0.00%
TIPS 0.00% 0.00%
US REIT 4.87% 4.91%
Intl REIT 4.84% 4.91%
CCF 4.95% 4.91%
Gold 4.67% 4.91%
US Mkt 20.97% 19.66%
US SV 20.87% 19.66%
Intl Dev Mkt 15.44% 16.20%
Intl Dev SV 14.58% 16.20%
EM Mkt 3.60% 3.46%
EM SV 3.49% 3.46%
CASH 1.74% 1.72%
Total 100.00% 100.00%
- TheTimeLord
- Posts: 12092
- Joined: Fri Jul 26, 2013 2:05 pm
Re: Post your current AA
IMHO, Investing should be about living the life you want, not avoiding the life you fear. |
Run, You Clever Boy! [9085]
Re: Post your current AA
Situation: Retirees in late 70's with military pension and social security benefits.
Asset Allocation: 50% stocks and 50% bonds
Stocks:
30% VTSAX - Total Stock Market Index
10% VTIAX - Total International Stock Index
10% VGSLX - REIT Index
Bonds:
34% VFIDX - Intermediate-Term Investment Grade
16% VTAPX - Short-Term TIPS Index
Very simple, very happy
Asset Allocation: 50% stocks and 50% bonds
Stocks:
30% VTSAX - Total Stock Market Index
10% VTIAX - Total International Stock Index
10% VGSLX - REIT Index
Bonds:
34% VFIDX - Intermediate-Term Investment Grade
16% VTAPX - Short-Term TIPS Index
Very simple, very happy
Tom D.
Re: Post your current AA
Would you agree that your "US Total Market" also includes some "US Small/Mid"? The latter overlaps the former.Longtimelurker wrote:Please explain your comments, as they seem to make no sense.
Would you agree that your "Intl. Small" also includes some small-cap emerging markets? Does your "Emerging Mkt" also include small-cap emerging markets?
For that matter does your "Intl. Developed" also include mid and small cap international developed?
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- Joined: Fri May 13, 2011 6:27 pm
Re: Post your current AA
January 1, 2014
Large (500 index)33.5(goal 34)
Extended market 19.25(18)
International 9.25(10)
International small 9.5 (8)
Fixed income 28.5 (30)
From above link by starbuxinvestor
John
Large (500 index)33.5(goal 34)
Extended market 19.25(18)
International 9.25(10)
International small 9.5 (8)
Fixed income 28.5 (30)
From above link by starbuxinvestor
John
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- Joined: Sun Mar 15, 2009 11:58 am
Re: Post your current AA
I suppose I do the same thing as the OP, but for all practical purposes it seems to be the most reasonable way of specifying an asset allocation. Sure, there is overlap between a total market fund and a small fund, but does it really matter much?livesoft wrote:Would you agree that your "US Total Market" also includes some "US Small/Mid"? The latter overlaps the former.Longtimelurker wrote:Please explain your comments, as they seem to make no sense.
Would you agree that your "Intl. Small" also includes some small-cap emerging markets? Does your "Emerging Mkt" also include small-cap emerging markets?
For that matter does your "Intl. Developed" also include mid and small cap international developed?
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- Joined: Fri Dec 13, 2013 7:23 am
Re: Post your current AA
- Did I make the 2% or so adjustment to US Total market to US Small/Mid? No. I did not think the 0.5% shift was worth the complexity in my spreadsheet.livesoft wrote:Would you agree that your "US Total Market" also includes some "US Small/Mid"? The latter overlaps the former.Longtimelurker wrote:Please explain your comments, as they seem to make no sense.
Would you agree that your "Intl. Small" also includes some small-cap emerging markets? Does your "Emerging Mkt" also include small-cap emerging markets?
For that matter does your "Intl. Developed" also include mid and small cap international developed?
- I have broken out the Emerging Markets portions from the Intl Small and Emerging Markets Small. So the # for Emerging Markets is 100% accurate, but includes small caps that are not reflected in the Intl Small number. I do calculate total % of Intl. Small as a % of portfolio (13.4%). Of course you have to make a choice in which chart to show, and i believe that the EM vs DM Intl. is a more important view - but there is a rebalance band around Intl. Small as a % of portfolio.
- Intl Developed is EAFE - so whatever that includes.
So if your point is that the AA posted does not have the level of granularity of a morningstar style box & regional allocation chart, then you are correct. That is also irrelevant minutia - of no consequence or benefit beyond my approach to any decision I would make.
EDIT: After thinking about it, I decided to improve the chart. Now it has large/small buckets for each of US, Intl, and EM. This is consistent.
Last edited by Longtimelurker on Fri May 23, 2014 10:02 am, edited 1 time in total.
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: Post your current AA
Age 66
42% equity funds
50% bond funds + longer term CDs
8% other fixed income (EE bonds, CDs etc)
42% equity funds
50% bond funds + longer term CDs
8% other fixed income (EE bonds, CDs etc)
- pennstater2005
- Posts: 2509
- Joined: Wed Apr 11, 2012 8:50 pm
Re: Post your current AA
Lifestrategy growth, so 80/20.
“If you think nobody cares if you're alive, try missing a couple of car payments.” – Earl Wilson
Re: Post your current AA
Age: 33/34
Allocation 80/20 with REIT & MidCap tilts:
20% Intermediate Bond Index
10% REIT
21% International Equity
24.5% MidCap Equity
24.5% LargeCap Equity
Allocation 80/20 with REIT & MidCap tilts:
20% Intermediate Bond Index
10% REIT
21% International Equity
24.5% MidCap Equity
24.5% LargeCap Equity
- schuyler74
- Posts: 236
- Joined: Sat Apr 20, 2013 12:56 am
Re: Post your current AA
Age: late 30s, live in the US.
AA, rebalance once per year:
10% US REITs
10% Total US bonds
55% Total US stocks
25% Total ex-US stocks
AA, rebalance once per year:
10% US REITs
10% Total US bonds
55% Total US stocks
25% Total ex-US stocks
Re: Post your current AA
Vanguard Total Stock Market Index Fund Investor Shares ------------- 63.0%
Vanguard Total International Stock Index Fund Investor Shares ------ 27.0%
Vanguard Total Bond Market II Index Fund Investor Shares ----------- 8.0%
Vanguard Total International Bond Index Fund -------------------------- 2.0%
AKA = Vanguard Target Retirement 2045 Fund (90/10)
34 years old
Vanguard Total International Stock Index Fund Investor Shares ------ 27.0%
Vanguard Total Bond Market II Index Fund Investor Shares ----------- 8.0%
Vanguard Total International Bond Index Fund -------------------------- 2.0%
AKA = Vanguard Target Retirement 2045 Fund (90/10)
34 years old
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- Joined: Wed May 21, 2014 2:06 pm
Re: Post your current AA
Age 48
70:30
25% US Large/core
15% US small value
20% Intl core
5% Intl small value
5% Emerging markets
20% Short term global bond
10% TIPS
(Using primarily DFA and Vanguard funds and ETFs)
70:30
25% US Large/core
15% US small value
20% Intl core
5% Intl small value
5% Emerging markets
20% Short term global bond
10% TIPS
(Using primarily DFA and Vanguard funds and ETFs)
Few decisions in life motivated by greed ever have happy outcomes--Peter Bernstein, The 60/40 Solution
Re: Post your current AA
60/40
60% Stocks (S&P 500)
40% Bonds (Barclays Capital U.S. Aggregate)
60% Stocks (S&P 500)
40% Bonds (Barclays Capital U.S. Aggregate)
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Re: Post your current AA
85% stocks (68% US stocks, 17% International stocks)
15% cash
15% cash
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- Joined: Fri Sep 27, 2013 4:03 pm
Re: Post your current AA
Ages 32 and 31
55% S&P
20% International
15% Bonds
10% REIT
55% S&P
20% International
15% Bonds
10% REIT
Re: Post your current AA
Ages 43/44
47% US stocks
23% International stocks
30% Bonds
47% US stocks
23% International stocks
30% Bonds
- stevewolfe
- Posts: 1672
- Joined: Fri Oct 10, 2008 7:07 pm
Re: Post your current AA
Age: 42 / 40
AA: 40% stocks / 60% Fixed Income.
40% stocks:
70% US (Vanguard Total Stock Market + T. Rowe Price Capital Appreciation)
30% International and Emerging markets (Vanguard FTSE All-World Ex-US)
60% Fixed Income:
20% US Series I Savings Bonds
80% Nominal fixed income:
15% Vanguard Retirement Savings Trust Stable Value
25% Certificates of Deposit
40% Intermediate Bond Funds (Vanguard Total Bond Market Index and T. Rowe Price New Income)
AA: 40% stocks / 60% Fixed Income.
40% stocks:
70% US (Vanguard Total Stock Market + T. Rowe Price Capital Appreciation)
30% International and Emerging markets (Vanguard FTSE All-World Ex-US)
60% Fixed Income:
20% US Series I Savings Bonds
80% Nominal fixed income:
15% Vanguard Retirement Savings Trust Stable Value
25% Certificates of Deposit
40% Intermediate Bond Funds (Vanguard Total Bond Market Index and T. Rowe Price New Income)
Re: Post your current AA
78.6/18.1/3.3
Stock/Bond/Cash
Stock/Bond/Cash
"One does not accumulate but eliminate. It is not daily increase but daily decrease. The height of cultivation always runs to simplicity" –Bruce Lee
Re: Post your current AA
Current AA:
US Large (C Fund): 13%
US mid cap (S Fund): 11%
US Small Value: 15%
International Large (I Fund): 17%
International Small: 15%
Emerging Market: 7%
Bonds: (G Fund, LTT, Total Bond): 22%
US Large (C Fund): 13%
US mid cap (S Fund): 11%
US Small Value: 15%
International Large (I Fund): 17%
International Small: 15%
Emerging Market: 7%
Bonds: (G Fund, LTT, Total Bond): 22%
- Go Blue 99
- Posts: 1118
- Joined: Thu Oct 09, 2008 3:42 pm
Re: Post your current AA
Ages: we are 37 and 32
AA since 2002: 100/0
Total Stock Market- 25%
Small-Cap Value- 20%
International Value- 17.5%
Large-Cap Value- 15%
International Small-Cap- 10%
Emerging Markets- 7.5%
Real Estate- 5%
AA since 2002: 100/0
Total Stock Market- 25%
Small-Cap Value- 20%
International Value- 17.5%
Large-Cap Value- 15%
International Small-Cap- 10%
Emerging Markets- 7.5%
Real Estate- 5%
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- Posts: 1584
- Joined: Mon Jul 22, 2013 7:52 pm
Re: Post your current AA
stocks 83%
fixed 17%
fixed 17%
Re: Post your current AA
34 yrs old. 50/50
Current flavor:
35% Tips
15% Int. Treasury
9% Int. Small
8% Int. Large
26% US Small Value
7% US Mid
Current flavor:
35% Tips
15% Int. Treasury
9% Int. Small
8% Int. Large
26% US Small Value
7% US Mid
- FrugalInvestor
- Posts: 6213
- Joined: Thu Nov 06, 2008 11:20 pm
Re: Post your current AA
60-ish and early retired...
Stocks 50 %
Bonds 40 %
Short-term reserves 10 %
Stocks consist of...
84% U.S (Total Stock Mkt), 16% Int'l (Total Int'l Stock Mkt)
Bonds consist of...
50% Total Bond Fund, 50% S-T Investment Grade
Stocks 50 %
Bonds 40 %
Short-term reserves 10 %
Stocks consist of...
84% U.S (Total Stock Mkt), 16% Int'l (Total Int'l Stock Mkt)
Bonds consist of...
50% Total Bond Fund, 50% S-T Investment Grade
Have a plan, stay the course and simplify. Then ignore the noise!
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- Posts: 859
- Joined: Mon May 05, 2014 12:15 pm
Re: Post your current AA
Me 37, DW 32
AA: 3-fund
AA: 3-fund
- 80/20 during accumulation
- 60/40 during decumulation
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- Posts: 78
- Joined: Fri Sep 13, 2013 8:27 pm
Re: Post your current AA
Ages: 36 & 37
Desired AA: 75/25
Total Stock Market: 44%
Small Cap: 14%
International: 19%
Bonds/Fixed: 22%
Desired AA: 75/25
Total Stock Market: 44%
Small Cap: 14%
International: 19%
Bonds/Fixed: 22%
- ruralavalon
- Posts: 26297
- Joined: Sat Feb 02, 2008 9:29 am
- Location: Illinois
Re: Post your current AA
Retired
Age: both 69
Target AA: 50/50
25% TSM
08% SCV
05% REIT
13% TISM = 25% of equities
28% I Term Inv Gr
20% Treasury STRIPS
01% Cash
Age: both 69
Target AA: 50/50
25% TSM
08% SCV
05% REIT
13% TISM = 25% of equities
28% I Term Inv Gr
20% Treasury STRIPS
01% Cash
"Everything should be as simple as it is, but not simpler." - Albert Einstein |
Wiki article link: Bogleheads® investment philosophy
- sans souliers
- Posts: 178
- Joined: Sun Apr 08, 2012 1:38 pm
- Location: By the Quinnipiac
Re: Post your current AA
Age - 60 Retired
Target AA - 84% Stock 12% Bonds 4% Cash
AA today - 83% Stock 14% Bonds 3% Cash
VTSAX TotStkMktx - 47.3%
VTIAX TotIntStkMktx - 24.3%
VIMAX MidCapStkx - 4.7%
VSMAX SmCapStkx - 4.5%
VGSLX REIT - 1.7%
VBTLX TotDomBndx - 9.5%
VTABX TotIntBndx - 4.8%
Short Term Reserves - 3.2%
I do not recommend this AA for most people.
Target AA - 84% Stock 12% Bonds 4% Cash
AA today - 83% Stock 14% Bonds 3% Cash
VTSAX TotStkMktx - 47.3%
VTIAX TotIntStkMktx - 24.3%
VIMAX MidCapStkx - 4.7%
VSMAX SmCapStkx - 4.5%
VGSLX REIT - 1.7%
VBTLX TotDomBndx - 9.5%
VTABX TotIntBndx - 4.8%
Short Term Reserves - 3.2%
I do not recommend this AA for most people.
Sometimes pessimism leaves me pretty well prepared for when things don't go my way, and pleasantly surprised when they do.
Re: Post your current AA
Age: 61 DW:55
47.5 Equity (Portfolio of 24 Large Cap Stocks such as XOM, CVX, JNJ, PG, KO, MO to name a few).
52.5 Fixed Income in two bond funds (USAA Income Fund and USAA High Yield Bond Fund)
I have been a Dividend Growth Investor but am seriously looking at transitioning to a 3 Fund VG portfolio to simply things as I get older. Would seek to maintain a 50/50 asset allocation.
47.5 Equity (Portfolio of 24 Large Cap Stocks such as XOM, CVX, JNJ, PG, KO, MO to name a few).
52.5 Fixed Income in two bond funds (USAA Income Fund and USAA High Yield Bond Fund)
I have been a Dividend Growth Investor but am seriously looking at transitioning to a 3 Fund VG portfolio to simply things as I get older. Would seek to maintain a 50/50 asset allocation.
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- Posts: 27
- Joined: Wed May 14, 2014 12:56 pm
Re: Post your current AA
Age:30
AA:
40% Stocks
40% Bonds
20% REITs
AA:
40% Stocks
40% Bonds
20% REITs
Re: Post your current AA
Here is my portfolio, but as other posters have mentioned, I do not recommend that you match it. If my portfolio is right for you, then you know enough to ignore this advice.
Note that I count my mortgage as a negative bond; stock is less than 100% of the dollar balance of my investments, but 100% of the net value, so I consider my allocation to be 100% stock.
Age 46
0% net bonds:
-15% mortgage (not a target, just what the mortgage happens to be right now)
15% bond fund
100% stocks:
45% US, split 1/3/1/3 LG/LV/SG/SV
45% foreign, split 3/2/2/1 developed large/emerging large/developed small/emerging small (would split evenly if costs were closer to equal)
10% REITS, equally split between US and foreign
Note that I count my mortgage as a negative bond; stock is less than 100% of the dollar balance of my investments, but 100% of the net value, so I consider my allocation to be 100% stock.
Age 46
0% net bonds:
-15% mortgage (not a target, just what the mortgage happens to be right now)
15% bond fund
100% stocks:
45% US, split 1/3/1/3 LG/LV/SG/SV
45% foreign, split 3/2/2/1 developed large/emerging large/developed small/emerging small (would split evenly if costs were closer to equal)
10% REITS, equally split between US and foreign
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- Posts: 25617
- Joined: Thu Apr 05, 2007 8:20 pm
- Location: New York
Re: Post your current AA
Early 40's.
75/25
65% Domestic - 70/30 LC Blend - Extended Mkt Index
35% Intl - 30% All World ex US, 5% Emerging Mkt
20% Total Bond Market Index, 5% Intermediate Tax Exempt
75/25
65% Domestic - 70/30 LC Blend - Extended Mkt Index
35% Intl - 30% All World ex US, 5% Emerging Mkt
20% Total Bond Market Index, 5% Intermediate Tax Exempt
"One should invest based on their need, ability and willingness to take risk - Larry Swedroe" Asking Portfolio Questions
- linuxology
- Posts: 148
- Joined: Thu Jun 23, 2011 1:34 pm
Re: Post your current AA
Age:33
48% US Large cap Stock
36% International Stock
10% Small Cap Stock
6% REIT
26% Bonds
48% US Large cap Stock
36% International Stock
10% Small Cap Stock
6% REIT
26% Bonds
- Peter Foley
- Posts: 5525
- Joined: Fri Nov 23, 2007 9:34 am
- Location: Lake Wobegon
Re: Post your current AA
Age 63, wife 58 - both retired 2 years.
Target AA = 45% equities, 53% bonds, 2% real estate.
Currently 46% equities, 52% bonds, 2% real estate.
While I was well within my 5% bands, I rebalanced about 2% out of equities via gifting to 529 plans early this year.
Target AA = 45% equities, 53% bonds, 2% real estate.
Currently 46% equities, 52% bonds, 2% real estate.
While I was well within my 5% bands, I rebalanced about 2% out of equities via gifting to 529 plans early this year.
Re: Post your current AA
Late 40's (both wife and myself)
65% stocks (55% US, 10% foreign)
30% bonds
05% CDs/savings accounts/I Bonds
65% stocks (55% US, 10% foreign)
30% bonds
05% CDs/savings accounts/I Bonds
"Ritter, Tod und Teufel"
Re: Post your current AA
Age: 34
AA: 68/32
Total Stock Market: 49%
Total International Stock: 19%
Total Bond Market: 32%
AA: 68/32
Total Stock Market: 49%
Total International Stock: 19%
Total Bond Market: 32%
Three-fund portfolio |
"Simplicity is the master key to financial success." John C. Bogle
Re: Post your current AA
Stock Funds: 59%
Bond funds: 33%
MM funds: 8%
Age: 44
Doesn't include a paid off home which is 1/4 of my net worth
Bond funds: 33%
MM funds: 8%
Age: 44
Doesn't include a paid off home which is 1/4 of my net worth