What is your age and AA?

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norm
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What is your age and AA?

Post by norm » Tue May 08, 2007 6:10 pm

I saw this thread on the M* Fidelity forum and thought it would be interesting to post it here.

I am 68 and retired, my wife is 59 and will retire in 4 years.

AA is 55% equities/45% bonds & cash. According to Morningstar's x-ray the breakdown is:

Cash 15.97
U.S. Stocks 35.26
Foreign Stocks 21.34
Bonds 26.60
Other 0.84

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TnGuy
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Location: Oak Ridge, TN

Post by TnGuy » Tue May 08, 2007 6:18 pm

Age = 48
Wife = 46

AA = 100% equities: 50/50 US/foreign

AA breakdown:

Intl. LV = 24%
Intl. LG = 15%
SV = 12%
LV = 12%
REIT = 11%
EM = 10%
LG = 7%
SG = 7%
Intl. REIT = 2%


David
"Money will not make you happy. And happy will not make you money." - Groucho Marx

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Sheepdog
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Location: Indiana, retired 1998 at age 65

Post by Sheepdog » Tue May 08, 2007 6:23 pm

My age 73
Wife 67
retired with no pension, just SS
31.5% equities
20 % I Bonds
44.5% bond funds
4% cash or equivalent
Jim
It's not what you gather, but what you scatter which tells what kind of life you have lived---Helen Walton

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bob90245
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Re: What is your age and AA?

Post by bob90245 » Tue May 08, 2007 6:42 pm

Age 46.

AA is 50% equities/50% bonds & cash.

U.S. Stocks 38%
Foreign Stocks 12%
Bonds 29%
Cash 21%

mikenz
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Post by mikenz » Tue May 08, 2007 6:56 pm

Age: 46, spouse 46

Cash 3%
Bonds 27% (about 1/3 ST, 2/3 IT)
Stocks 70% (6% REIT and the remainder 67% US, 33% foreign )

Domestic stocks:
...25% LV (VG Large Value Index)
...25% LG (Primecap)
...25% MV/MB (Strategic Equity)
...25% SCV (VG SCV Index)

International Stocks:
...25% Europe Index
...25% Pacific Index
...25% EM Index
...12% GWX
...13% DLS

Domestic similar to Trev H. International influenced by R Ferri.

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jeff mc
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Post by jeff mc » Tue May 08, 2007 7:06 pm

wife & i = late 30s

for extra credit (and laziness), here's the other 8 yrs, too...

Image

TSM 25%
SC 15%
reit 5%
TBM 12.5%
TIPs 7.5%
Intl-SC 5%
Intl-EM 10%
Intl-dev 20%

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fishnskiguy
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Location: Sedona, AZ

Post by fishnskiguy » Tue May 08, 2007 7:17 pm

Age 64, retired, working part time in winter. COLA'ed pension and SS are enough to meet all daily needs. Our 20/80 stock /bond allocation is for big ticket items such as new car every ten years.

I guess we are just risk adverse.

Chris
Trident D-5 SLBM- "When you care enough to send the very best."

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AzRunner
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Location: Phoenix

Post by AzRunner » Tue May 08, 2007 7:30 pm

Age 57, retired, Spouse 56, works part-time, plans to retire in two years.

AA 50/50

Per M*
  • Cash......................17.21
    U.S. Stocks............33.19
    Foreign Stocks......15.05
    Bonds...................33.84
    Other......................0.70
Norm

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kpanghmc
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Mine

Post by kpanghmc » Tue May 08, 2007 7:50 pm

Age: 24

Asset Allocation:
75% Equity (50% TSM, 50% FTSE-All World Ex US)
25% Bonds (100% Total Bond Market Index)
Kevin

Pangloss
Posts: 281
Joined: Sun Mar 04, 2007 9:57 pm

allocations

Post by Pangloss » Tue May 08, 2007 8:02 pm

Age: 31

90% Equities (10% REIT, 30% Total Int'l, 30% Small Cap Index, 20% Large Value Index, 10% Large Cap Growth Index).

10% Bonds (70% short term index, 30% long term index).

100% Index Funds.

KritonD
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Location: NYC

Post by KritonD » Tue May 08, 2007 8:14 pm

25yrs old (single)

85% stocks
15% bonds (5% of total is TIPS)

strafe
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Joined: Sat Mar 03, 2007 12:49 pm

100% TR2050

Post by strafe » Tue May 08, 2007 8:23 pm

23 y/o

72% Total Stock Market
18% Total International Stock
10% Total Bond Market

marshall
Posts: 47
Joined: Fri Apr 13, 2007 9:06 pm

allocations

Post by marshall » Tue May 08, 2007 8:24 pm

Age: 37

73% Equities
27% Bonds

93% Vanguard Target Retirement 2020
6% Vanguard Tax Managed Growth & Incoome
1% Money Market

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Chrispy
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Location: CO

Post by Chrispy » Tue May 08, 2007 8:27 pm

Age: 23

70% Equity / 30% Fixed

70% Equity:
40% International
30% US Large Cap
15% US Mid Cap
15% US Small Cap

30% Fixed:
15% LSBRX
15% Total Bond Market

relay
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Location: NE Illinois

Post by relay » Tue May 08, 2007 8:37 pm

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

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oneputt
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50/50

Post by oneputt » Tue May 08, 2007 8:48 pm

50yrs, 50%equities/50%bond-cash

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ken250
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Location: US-101

Post by ken250 » Tue May 08, 2007 9:09 pm

53 yrs young.

70/30:

50.0% US
10.0% Int'l
10.0% REIT
20.0% Bonds
10.0% TIPS in Roth, HY in Rollover

Good Luck, Ken.

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grabiner
Advisory Board
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Most aggressive here for my age

Post by grabiner » Tue May 08, 2007 9:22 pm

Age 39

I hold 90% stocks (and with a further bias towards higher-risk classes), 10% bonds.

My target allocation (I don't quite have this because I don't have enough IRA room and I have no value or small-cap international in any of my retirement plans):

5% large growth
15% large value
5% small growth
15% small value

15% international large
15% international small
10% emerging markets

10% REIT

10% bonds

Rajsx
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Location: Florida

What is your Age & AA

Post by Rajsx » Tue May 08, 2007 9:31 pm

I am 50 & presently disabled & work part time, Wife 46 & working.
I plan to try to work part time as long as I can, for fear of boredom & going crazy if I stay at home.

STOCKS 57% BONDS & CASH 43% ; All Vanguard Funds

In stocks, 71 Domestic & 29 International,

In Domestic stocks - Tilt towards small cap, value & financials

In Bonds approaximately 50% are in VIPS

Have learnt a lot on this Forum :D , Thanks

jc358
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Post by jc358 » Tue May 08, 2007 9:48 pm

Wife and I 58 y.o.

Bond 31%
Lg Cap 20%
Sm Cap 4%
Inter 14%
RE 7%
Cash 23%

100%

Some of the bonds are Hi Yield. Looking to move some cash to equities when I figure out where to move it.

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alvinsch
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Location: Northwest

Post by alvinsch » Tue May 08, 2007 9:53 pm

age 50 and retired

Asset allocation is range based and rebalance anytime to keep each equity asset class within range but only minimum required. 93% taxable so CG's make any changes painful.

Code: Select all

54.0% - 60.0% EQUITIES; 80/20 US/intl 
34.2% - 38.0% - US Large cap (basically TSM)
10.8% - 12.0% - Intl (some LV and small tilt)
 9.0% - 10.0% - US small cap (50/50 SV/SB)

43.5% - 37.5% BONDS
 2.5% -  2.5% REITS
- Al

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Walleye
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Post by Walleye » Tue May 08, 2007 10:07 pm

23 yrs.

90% Equity
- 35% Total U.S.
- 35% Total Int'l
- 30% Small Cap

10% Fixed Income
- 100% Int-term index

don
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Location: Eastcoast Central Florida

Age and AA

Post by don » Tue May 08, 2007 10:10 pm

Age 58/60

military pension, second small pension both inflation adjusted

Both work full time, both will retire at 62 but likely still work PT to avoid boredom.

Per M* Xray

Cash 3.22
US 33.65
Foreign 16.01
Bonds 42.49
Other 4.63

All in Vanguard funds. Bonds include HiYld and equities include Precious Metals and Convertibles. Plan is 50/45 with 5 in cash and will leave it at that after retirement.

Don

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Jazztonight
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Location: Lake Merritt

AA

Post by Jazztonight » Tue May 08, 2007 11:19 pm

Age: 60 - Semi-retired, working 2 days/week at "day job;" Musician/composer the rest of the time.
Wife: 19

(just kidding; wife is financially independent, and deals with her own AA better than I ever have)

my AA is 60/40 (everything in Vanguard except 401k):

Total Stock Market Index 14%
Small Cap Index 07%
Small Value Index 07%
REIT Index 07%
VG Energy Fund 05%

Total International Index 20%

Short Term Bond fund 08%
Intermediate Bond fund (401k) 19%
TIPS fund 13%
"What does not destroy me, makes me stronger." Nietzsche

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spangineer
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Post by spangineer » Tue May 08, 2007 11:24 pm

I'm a 23 year old college student. My retirement AA is 80/20 (currently in TR2025, and moving into individual funds soon), but over half of my assets are in cash, since I've got a fair number of significant purchases to make in the next few years.

Chip
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Post by Chip » Wed May 09, 2007 7:07 am

Age: 52/55
Retired, no pension, no SS, no nuttin'

Equities: 74%
Int'l 8%
Domestic 66%

Fixed Income: 26%
TIPS 15%
ST 6%
Cash 5%

Balanthalus
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Joined: Tue Apr 17, 2007 10:04 am

Post by Balanthalus » Wed May 09, 2007 8:15 am

Age: 26

Retirement Portfolio

Stock/Bonds-Cash: 88%/12%
Domestic/Foreign Equity: 60%/40% (Though I'm considering a shift to 50/50)

Since I'm still starting out, my retirement savings are only about half of my assets. Just for fun, I put my retirement funds along with my house downpayment and emergency funds into M*'s X-Ray and got the following:

Total Assets
Domestic Equity: 34%
Foreign Equity: 20%
Bonds: 22%
Cash: 24%

gkaplan
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Post by gkaplan » Wed May 09, 2007 8:35 am

63 - 60/40
Gordon

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artthomp
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Post by artthomp » Wed May 09, 2007 8:43 am

Ages 67/65 - Social Security and Private Pension

I manage approximately 85% of our assets as shown below rebalancing once a year.

5% - Vanguard Money Market Funds
27.5% - Vanguard Total Bond Market
27.5% - Vanguard Inflation Protected Bonds
20% - Vanguard Total Stock Market
15% - Vanguard FTSE World ex-US
5% - Vanguard REIT

My wife manages the remaining 15% of our assets. Some of her assets are allocated in the Coffee House Portfolio manner while other assets are allocated to the Wellington Fund.
Art

SamB
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Allocation

Post by SamB » Wed May 09, 2007 9:37 am

*****
Last edited by SamB on Wed Nov 23, 2011 11:35 am, edited 1 time in total.

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zhiwiller
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Post by zhiwiller » Wed May 09, 2007 9:50 am

Age: 24.
AA: 90/10, not counting floating cash and emergency fund. Probably more like 60/40 if you count those.

Split as follows:
20% S&P 500
20% Total International Index
15% Extended Market Index
15% Small Cap Value
5% International Small
5% International Small Value
5% PIMCO Total Return
5% Schwab Stable Value Account
10% Individual stocks left over from when I played with individual stocks.

More complicated than it needs to be, I know. But I sleep well.

elbryn1000
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Joined: Fri Apr 27, 2007 7:56 am

Post by elbryn1000 » Wed May 09, 2007 10:25 am

age 27
AA: 85/15

35% Large Cap
25% International
20% Small cap value
15% bonds
5% REIT

investor
Posts: 1010
Joined: Mon Feb 19, 2007 10:50 pm

Post by investor » Wed May 09, 2007 10:30 am

age 65
65/35 s/b

winterescape
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Location: Upstate NY

Post by winterescape » Wed May 09, 2007 10:31 am

Age 42
Wife 40ish

both work full time
Stock 65 %
Bond/cash 35%

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Norbert Schlenker
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Location: The Dry Side of the Wet Coast

Post by Norbert Schlenker » Wed May 09, 2007 10:39 am

Let me throw in a non-USian data point.

Age: 50 (both spouse and myself)

Fixed income
C$ indexed - 12%
C$ nominal - 16%
US$ indexed - 10%
US$ nominal - 12%

Equities
Canada - 20%
US - 10%
EAFE - 15%
EM - 3%
Gold - 2%

i.e. it's 50/50 bonds/stocks and 50/50 domestic/foreign.

No real estate exposure beyond our home because it's >20% of our net worth. No hedge funds, no commodities, no private equity, no leverage.

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Jazzman
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post subject

Post by Jazzman » Wed May 09, 2007 11:40 am

Retired at age 56, now 64.
2 COLA pensions (VA & NYC) & Soc. Sec. Great Country isn't it.
Cash-----------13%
Bonds----------29%
Large Cap-----21%
Sm/Mid Cap---8%
International--12%
Rental Condo-17% (Reit Exposure)

"LIVING THE DREAM"

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vectorizer
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Joined: Sat Mar 03, 2007 3:52 pm

Post by vectorizer » Wed May 09, 2007 11:45 am

Me 49
Spouse 46
Hoping for retirement at 60

28% bonds (Short Term Invest. + longer individual bonds)
72% stocks
increasing bond proportion by 2% per year, so at age 60 it'll be 50/50

of stocks,
25% international (Total Int'l Mkt)
75% domestic

of domestic,
50% large (large part of Total Stk Mkt)
50% mid/small (other part of TSM + Extended Mkt + Small Cap Idx)

- large / mid /small proportions as defined by Morningstar
- would rather split domestic 4 ways large-value large-growth mid-small-value mid-small-growth
--- 401k limits fund choices, but grateful to have Vanguard funds
Last edited by vectorizer on Thu May 10, 2007 10:57 am, edited 1 time in total.

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WiseNLucky
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Location: South Florida

Post by WiseNLucky » Wed May 09, 2007 1:42 pm

I am 51 and working
She is 51 and retired

Our asset allocation:

Code: Select all

                              % Port
Cash (non-emerg)                3%
Long-Term Bonds                16%
TIPS                           16%
Intermediate Bonds              3%
Junk bonds                      2%

Total Fixed Income             40%
   

Large Cap US Stocks            26%
Small Cap US Stocks            15%
International Stocks           15%
Company Stock                   4%

Total Equities                 60%
WiseNLucky

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modal
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Location: USA

Post by modal » Wed May 09, 2007 2:36 pm

Age: Late 20 something
AA : 20/80 to 30/70

I have a bunch of different accounts to prevent myself from making rash decisions.

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cfs
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Location: ~ Mi Propio Camino ~

Posted here

Post by cfs » Thu May 10, 2007 12:39 am

I try to keep things simple and this is how things are looking as of this week:

http://tinyurl.com/29kdyf

cfs
~ Member of the Active Retired Force since 2014 ~

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United
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Post by United » Thu May 10, 2007 2:26 am

19, 100% stocks

(not including checking account and cash and other assets)

Latestarter
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Post by Latestarter » Thu May 10, 2007 9:55 am

Age 49
AA: roughly 60/40 (>60% in equity funds, but <60% in equities given the cash, etc. in some of those funds)

Of the equity portion:
1/3 TSM index
7% ext. mkt index
3-5% each LV, SV, and micro indexes
17% intl. LC
3% intl. SC
4% EM
4-5% each US REIT & intl. RE
16% total in FAIRX, TAVFX, and PRWCX

Doug
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Post by Doug » Thu May 10, 2007 10:14 am

Age: 30/30

AA: approximately 75% stock / 15% bond / 10% TIAA RE

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mephistophles
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ASSET ALLOCATION IN 2006

Post by mephistophles » Thu May 10, 2007 10:16 am

I am in my early 60's.

52% equities, mutual funds and individual stocks
12% bonds, some in high yield
22% cash, CD and Prime Money Market
14% real estate, my home

I also own 24 ounces of gold bullion, oriental carpets, crystal and a few diamonds which I don't include in the above. These should at least hold there value and will probably increase.

Regards,

ole meph

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NYCPete
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Location: New York, NY

Post by NYCPete » Thu May 10, 2007 10:21 am

I am 27 and single. Numbers below do not include emergency fund or short term savings.


Asset allocation is 84% stocks / 16% Bonds.

Breakdown:
66% U.S. Stocks
18% Int'l Stocks
16% U.S. Bonds


The vast majority of my investments are total market based index options.

Regards,
Peter

Malachi
Posts: 189
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Post by Malachi » Thu May 10, 2007 10:41 am

Age: 43

Long term investments (roughly):

40% - Large caps
20% - Mid and small caps
20% - International
20% - Bonds

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Judsen
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Location: Birmingham, Al.

age and A-A

Post by Judsen » Thu May 10, 2007 11:06 am

I am 70½ Just started RMD
Stock funds 70% (80% VFIAX - 20%VTSMX) In IRA.
Fixed funds 30% ( 100% VMMXX) In Taxable.
Debt free. Live well on SS. Jud

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prentis
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Location: Washington State

Comfortably retired

Post by prentis » Thu May 10, 2007 12:11 pm

64 and a half, retired, decent non-COLA pension coming in, delaying SS to maturity at 65 and 10 months.

40% equities in indexed funds
60% in indexed bond funds

Slightly modified Coffeehouse mix.

I was using the rule 110 minus age in equities until a discussion on this forum led me to a somewhat more conservative position. It was pointed out that I didn't need the risk with my financial position. I'm not all the way to 100 minus age yet but somewhere in between. The ratio will get more conservative 1% a year as I get older.

I am very comfortable with this setup, thanks to the forum.
A good landing is one that you can walk away from.

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Goldfinger
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Location: Sugar Land, Texas

My .02

Post by Goldfinger » Thu May 10, 2007 5:22 pm

42/40

65% equities / 35 % bonds & cash

My equity portion is very light on international, so a major reallocation is forthcoming.

Goldfinger
"At cocktail parties lovely ladies would corner me and ask my opinion of the market, but alas, when they learned I was a bond man, they would quietly drift away." -- Sidney Homer/Salomon Bros

baldeagle
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Location: Portland, OR

Post by baldeagle » Thu May 10, 2007 5:49 pm

We both are 62 and retired about 2 years ago.

85% is in IRAs.

AA = 60/40
The 60 is 45/15 US/Intl
The 40 is 30/10 bonds/MM

US Stocks are all Vanguard index funds
LB = 12% of total portfolio
LV = 12%
SB = 7%
SV = 8%
REIT = 6%

International stocks
Vanguard active funds (equally LG and LV) with a bit of DLS small value thrown in.

Bonds
75%Vanguard Total Bond Index and 25% preferred stocks.

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