What is your age and AA?

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Drelk3
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Re: What is your age and AA?

Post by Drelk3 »

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
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SpringMan
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Re: What is your age and AA?

Post by SpringMan »

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. :cry:
Best Wishes, SpringMan
angceejay
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Re: What is your age and AA?

Post by angceejay »

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%
ploldo
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Re: What is your age and AA?

Post by ploldo »

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
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DaleMaley
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Re: What is your age and AA?

Post by DaleMaley »

I updated the charts below to include the data of the latest posters:

Image

Image

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
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grabiner
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Re: What is your age and AA?

Post by grabiner »

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.
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.

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.
Wiki David Grabiner
Call_Me_Op
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Re: What is your age and AA?

Post by Call_Me_Op »

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.
Best regards, -Op | | "In the middle of difficulty lies opportunity." Einstein
rkay48
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Re: What is your age and AA?

Post by rkay48 »

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)
naviomelo
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Re: What is your age and AA?

Post by naviomelo »

Age 27

Stocks: 100%
Bonds: 0%
Cash: 0%

65% Mid-cap growth
22% Total S&P 500
13% Emerging markets
krapht
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Re: What is your age and AA?

Post by krapht »

Age 24

Stocks: 180%
Bonds: 0%
Cash: 0%

30% DFA Emerging Markets Core Equity I
150% December 2013 call options on S&P 500
csage
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Re: What is your age and AA?

Post by csage »

Age 26

Stocks: 69%
Bonds: 31% (including the value of I-bonds)
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gnosis
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Re: What is your age and AA?

Post by gnosis »

DaleMaley wrote:I updated the charts below to include the data of the latest posters:

Image

Image

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.
Dale, seeing your new comparison chart is the main reason I wanted to revive this thread. Thanks very much for your follow-up analysis!
Manbaerpig
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Re: What is your age and AA?

Post by Manbaerpig »

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
Die Hard
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Re:

Post by Die Hard »

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
I am curious. At age 75, where is your income derived? Are you receiving income from any of these funds?
The best way to teach your children about money is to not have any.............
TheEternalVortex
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Re: What is your age and AA?

Post by TheEternalVortex »

Age: 25
AA: 72% stocks
letsgobobby
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Re: What is your age and AA?

Post by letsgobobby »

gnosis wrote:
DaleMaley wrote:I updated the charts below to include the data of the latest posters:

Image

Image

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.
Dale, seeing your new comparison chart is the main reason I wanted to revive this thread. Thanks very much for your follow-up analysis!
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.
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gnosis
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Re: What is your age and AA?

Post by gnosis »

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.
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CaliJim
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Re: What is your age and AA?

Post by CaliJim »

.....
Last edited by CaliJim on Thu Dec 01, 2011 8:14 pm, edited 1 time in total.
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convert949
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Re: What is your age and AA?

Post by convert949 »

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...
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ejvyas
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Re: What is your age and AA?

Post by ejvyas »

28 yrs

80/20 lazy portfolio
TRC
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Re: What is your age and AA?

Post by TRC »

Age 33 (married).

33% bonds
67% equities
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GregLee
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Re: What is your age and AA?

Post by GregLee »

Age: 69 (wife 70), retired
income: pensions and SS (nothing from portfolio)
stocks: 95.75%
bonds: 2.25%
cash: 2%
Greg, retired 8/10.
Billyboy
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Re: What is your age and AA?

Post by Billyboy »

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).
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DaleMaley
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Re: What is your age and AA?

Post by DaleMaley »

I updated the results by adding in the latest posters:

Image

Image

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
crowd79
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Re: What is your age and AA?

Post by crowd79 »

Age: 33
Stocks: 79%
Bonds/Cash: 21%
kamo
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Re: What is your age and AA?

Post by kamo »

Ages: 47/39
Stocks/Bonds: 85%/15%
He who knows he has enough is rich. Lao-Tzu
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steve roy
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Re: What is your age and AA?

Post by steve roy »

64 this month.

70% bonds

30% stocks

(Wife is 57.)
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Kalo
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Re: What is your age and AA?

Post by Kalo »

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
I'm guessing you were joking, but this might have turned out to be pretty awesome.

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.
Longtimelurker
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Re: What is your age and AA?

Post by Longtimelurker »

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.
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mickeyd
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Re: What is your age and AA?

Post by mickeyd »

We are older now but have the same AA.

AGE 69/65

AA 60/40
Part-Owner of Texas | | “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
gkaplan
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Re: What is your age and AA?

Post by gkaplan »

It's been only six months.
Gordon
skeptical1
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Re: What is your age and AA?

Post by skeptical1 »

Both spouse and I are 66.
Stock: 51% (domestic 36%, international 15%)
Bonds: 47%
Cash: 2%
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wander
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Re: What is your age and AA?

Post by wander »

46, 80% equity 20% Bond.
Steven28
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Re: What is your age and AA?

Post by Steven28 »

60 and 37 % stocks, 60% bonds, 4% cash
Dandy
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Re: What is your age and AA?

Post by Dandy »

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.
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stemikger
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Re: What is your age and AA?

Post by stemikger »

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.
Last edited by stemikger on Sun Nov 09, 2014 8:41 am, edited 2 times in total.
Choose Simplicity ~ Stay the Course!! ~ Press on Regardless!!!
Trev H
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Re: What is your age and AA?

Post by Trev H »

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
The Casualty
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Re: What is your age and AA?

Post by The Casualty »

Age 58, Wife 63.

58 % Stock
42 % Bonds/CD/Cash

Plan to reduce the stock allocation to 50% over the next year or so.
vested1
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Re: What is your age and AA?

Post by vested1 »

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.
nbseer
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Re: What is your age and AA?

Post by nbseer »

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?
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Meaty
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Re: What is your age and AA?

Post by Meaty »

Age 30
100% US Stock + 9 months cash
"Discipline equals Freedom" - Jocko Willink
dozer183e
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Re: What is your age and AA?

Post by dozer183e »

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
Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.
Bacchus01
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Re: What is your age and AA?

Post by Bacchus01 »

Me, age 41. Wife, age 45

We are 81% equities and 19% bonds/CDs/cash
hexagon
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Re: What is your age and AA?

Post by hexagon »

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.
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Tyrobi
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Re: What is your age and AA?

Post by Tyrobi »

Age: 35, Wife: 33
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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abuss368
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Re: What is your age and AA?

Post by abuss368 »

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.
John C. Bogle: “Simplicity is the master key to financial success."
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avenger
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Re: What is your age and AA?

Post by avenger »

Almost 35.

75% equities, 25% fixed income.
cheers ... -Mark | "Our life is frittered away with detail. Simplify. Simplify." -Henry David Thoreau | [VTI, VXUS, VWITX, SV fund]
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TheTimeLord
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Re: What is your age and AA?

Post by TheTimeLord »

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.
Last edited by TheTimeLord on Mon Nov 10, 2014 11:52 am, edited 1 time in total.
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just frank
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Re: What is your age and AA?

Post by just frank »

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.
Last edited by just frank on Mon Nov 10, 2014 5:50 pm, edited 1 time in total.
mpowered
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Re: What is your age and AA?

Post by mpowered »

29

100% Stocks

70/30 US/International
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