Any other investors with 70/30 portfolio?

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riptide
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Any other investors with 70/30 portfolio?

Post by riptide » Fri Jan 30, 2015 8:30 am

Any others with 70% stocks/ 30% bonds like I currently have and hope to hold for years. And, what are your plans?
Age 45, I have a Federal government Pension and invested in TSP.
Last edited by riptide on Fri Jan 30, 2015 9:46 am, edited 1 time in total.
Brokerage account 70/30 | VG total Market 40% | VG total Intl 11% | VG small cap value 12% | VG Reit index 7% | VG Total Bond 30% | TSP Account 75/25 | C Fund 45%, S 15%, I 15%, G 25% | EE Bonds=Emergency Fund

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Re: Any other investors with 70/30 portfolio?

Post by asif408 » Fri Jan 30, 2015 8:48 am

I do. I'm in my 30s, and it appears I am more conservative than most Bogleheads my age. As Dr. Bernstein said in one of his books, you have to find your equipoise point. For me, 70/30 felt that way after some research and backtesting of portfolios (and looking at my own portfolio's performance over the years), though I have been considering bumping up to an 80/20 allocation, so I think my equipoise point is changing slightly. I would never be comfortable with 100% stocks (that's just my personal preference) so I'm finding 70-80% stocks to be my maximum comfort level. I think it is likely stocks will return more than bonds over my investing time horizon, but I'm not 100% confident so I hold some bonds.

I am also contributing to a pension (which I am not currently fully vested in). If I remain at my job long enough to become fully vested (for another 6 years I believe) I will then treat my pension as a bond and bump up my stock allocation somewhat. Other than that I don't expect to make any major changes.

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Re: Any other investors with 70/30 portfolio?

Post by cheese_breath » Fri Jan 30, 2015 9:09 am

You should include your age with your post. I'm 74, and my AA is almost the opposite of yours. For someone in his 30s it would be fine for now, but "hope to hold for years"? How many years?
The surest way to know the future is when it becomes the past.

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Re: Any other investors with 70/30 portfolio?

Post by fposte » Fri Jan 30, 2015 9:13 am

I'm 52, and I have roughly 70/30; since I have a pension, I'm comfortable with my allocation being age-20 in bonds. However, I do mean age-20 and I move the bond percentage up all the time. So I guess that doesn't get you the "hold for years" thing.

I was actually close to 100% in equities for a long time; not because I'm so aggressive, but because of neglect. I'm glad it worked out for me, but I don't want to be so high in equities any more.

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Re: Any other investors with 70/30 portfolio?

Post by stemikger » Fri Jan 30, 2015 9:13 am

I am 50 and was 70/30. I recently took it back down to 65/35. I plan on staying with that until 55 and then go to 60/40 or 50/50 for life. I never want to be less than 50% in equities. I think 70/30 is too conservative for a 30 year old but would start taking it down in your 50s. I personally think the Vanguard Target Retirement Income Fund with 30% in stocks is too conservative.

The problem I had most of my adult life is staying the course when it comes to asset allocation. I was literally all over the place and last year I even ventured 100% into stocks. Warren Buffett talked me into it, but I just couldn't sleep at night and I started worrying about what the daily swings in the market. Life is too short for that, so I took it down to 70/30 which I was fine with but I feel much better at 65/30. I know that extra 5% is not much of a difference, but it keeps me on course.
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Re: Any other investors with 70/30 portfolio?

Post by Toons » Fri Jan 30, 2015 9:19 am

I am 64 and have VERY gradually moved from 90/10 stock bond to currently 69/31,,and continue to work towards 50/50 as my permanent allocation. :happy
"One does not accumulate but eliminate. It is not daily increase but daily decrease. The height of cultivation always runs to simplicity" –Bruce Lee

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Re: Any other investors with 70/30 portfolio?

Post by stemikger » Fri Jan 30, 2015 9:30 am

I love Peter Bernstein's article the 60/40 solution and I also love Scott Burn's Couch Potato Portfolio where you leave it at 50/50 for life. The two funds Burn's recommends is the Vanguard Total Stock and Total Bond Market, rebalance once a year and go on living life.
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Re: Any other investors with 70/30 portfolio?

Post by tludwig23 » Fri Jan 30, 2015 9:37 am

47 years old and I'm 70/30. Plan to stay there until 50, then drift towards 60/40 by addition of new money to the fixed income side of things. No pension or other defined benefit plan, but my career is very scaleable, i.e., if the equity markets tank when I want to retire I could go on working one week per month to meet current expenses and not be forced to sell at the bottom of the market.
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Re: Any other investors with 70/30 portfolio?

Post by Crow Hunter » Fri Jan 30, 2015 9:46 am

I am 41 and I am roughly there target wise. (Actual is 66.9 /33.1)

I am Age-10 in bonds and intend to creep that target up n+1 until I hit 40/60 (assuming I live that long).

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Re: Any other investors with 70/30 portfolio?

Post by k66 » Fri Jan 30, 2015 9:47 am

I am scheduled to turn 49 this year and plan to maintain a 75/25 AA for the next decade.
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Re: Any other investors with 70/30 portfolio?

Post by riptide » Fri Jan 30, 2015 9:50 am

Thanks for all the replies, I added my age and that I have a fed Govt Pension and Fed TSP investment.
I also came from inherited 100% stocks, and finally found about bonds and now have 70/30. I guess my bonds are Age -15 , so I am right in between.

Good to hear from some others that have a bit more risk in the portfolio. I get tired of seeing the all bonds or 60 % bonds posts when I have a 70% stocks portfolio. Good to hear from younger and middle aged investors as well as the older investors who still invest in equities!
Brokerage account 70/30 | VG total Market 40% | VG total Intl 11% | VG small cap value 12% | VG Reit index 7% | VG Total Bond 30% | TSP Account 75/25 | C Fund 45%, S 15%, I 15%, G 25% | EE Bonds=Emergency Fund

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Re: Any other investors with 70/30 portfolio?

Post by riptide » Fri Jan 30, 2015 9:58 am

k66 wrote:I am scheduled to turn 49 this year and plan to maintain a 75/25 AA for the next decade.
This is a great plan!
Brokerage account 70/30 | VG total Market 40% | VG total Intl 11% | VG small cap value 12% | VG Reit index 7% | VG Total Bond 30% | TSP Account 75/25 | C Fund 45%, S 15%, I 15%, G 25% | EE Bonds=Emergency Fund

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Re: Any other investors with 70/30 portfolio?

Post by Compound » Fri Jan 30, 2015 10:10 am

Yep, 70/30 here. I'm 37 years old and I'm comfortable with my allocation as it stands. At age 45, I plan on dropping it to 60/40. These plans feel right to me on my personal need/ability/desire to take risk spectrum. Ymmv.

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Re: Any other investors with 70/30 portfolio?

Post by skinner » Fri Jan 30, 2015 10:12 am

I'm a 45 year old federal employee. I'm in the 2040 L Fund, which is about 75/25 (with 20 G and 5 F). I figure I can be a little more aggressive with my pension.

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Re: Any other investors with 70/30 portfolio?

Post by garlandwhizzer » Fri Jan 30, 2015 11:03 am

I'm 68 and I'm 75/25 which admittedly is high on the equity side for someone my age. Fortunately my portfolio is large enough that I can afford to take lots of risk and I am willing to do so. That is in fact partly how the portfolio got so large in the first place. I've been at this for 27 years, long enough for increased risk to pay off. My goal remains simple: to maximize long term return. I continue to believe that stocks will outperform bonds in the long run in spite of their increased volatility and current generous valuations. Bonds, too, are generously valued at present, even more so than stocks on a historical basis. The 30 year US Treasury hit an all time low yield this week for example. Stock PEs, on the other hand, be they PE1 or PE10 are a long way from all time highs.

The market is obsessed with risk aversion now in my opinion which is understandable given all the obvious risk out there at present. But it seems to me that risk has always been lurking behind the next headline, less so now than during the massive inflation of the 70s and 80s, the stagflation era, the massive overvaluations of the tech bubble, and needless to say the Great Depression and WW2. If you're looking to get away from risk you're on the wrong planet.

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Re: Any other investors with 70/30 portfolio?

Post by randomguy » Fri Jan 30, 2015 11:06 am

cheese_breath wrote:You should include your age with your post. I'm 74, and my AA is almost the opposite of yours. For someone in his 30s it would be fine for now, but "hope to hold for years"? How many years?
I am at 80/20 right now but I expect to hold about 70/30 for pretty much forever. Why? I plan on having 33x+ in assets when I start retirement as that date is driven by personal decisions not financial ones. That is 10 years in bonds (at 25x I would need to be 60/40) which historically has been enough. The odds are that a 70/30 portfolio with ~3% SWR will grow faster than I am spending which means that the number of years of bonds that I will own will grow over time. Now I definitely have no plans to rebalance into stocks in a crash so I might drop to 50/50 at some point or if I can buy TIPS at 3% I might be tempted to up the percentage a bit. I also have no desire to own 20+ years of expenses in bonds if stocks happen to soar. Something like that might boost me up to 90/10.

Throw in SS a couple years in and the odds of expenses dropping significantly after 75 (right now expenses are more than a nursing home would be for the 2 of us), and I feel pretty comfortable. Now you can ask why take the risk. Is it worth to build up a big pile of cash? The kids probably think so and if the immortality treatment turns out to cost 10 million I will think so also:)

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Re: Any other investors with 70/30 portfolio?

Post by aelfa » Fri Jan 30, 2015 11:10 am

We're ages 38 and 45, about 10 years out from one of us retiring. We've been somewhere between 90/10 and 85/15 for a long time due to inattentiveness -- has worked out well! But it's time to move to something more conservative -- 70/30. We're looking at putting about half of the 30 in VERY conservative investments (I/EE Bonds, TIAA traditional) so we can keep our stocks high a little longer. Hope that's a good move, but only time will tell.

**edited to clarify ages vs. allocation**
Last edited by aelfa on Fri Jan 30, 2015 2:16 pm, edited 1 time in total.

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Re: Any other investors with 70/30 portfolio?

Post by NateH » Fri Jan 30, 2015 11:12 am

Our portfolio is Age-10, so it is currently a 70/30 portfolio.
Next year, it will be 69/31.
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Re: Any other investors with 70/30 portfolio?

Post by Aptenodytes » Fri Jan 30, 2015 11:25 am

I was at about 80% equities (including a REIT allocation) 5 years ago, when I first tried to put my portfolio in order. I was 52. I needed to take extra risk than the rules of thumb called for, because although my annual contributions were relatively decent my balance was not. I was comfortable taking on that risk (or so I thought; as events developed they never really got tested in the fire of battle).

My ISP at the time called for a reduction of about 2.5 percentage points per year in equity exposure, until leveling off at 30% by age 70.

I changed it in the meanwhile. I moved a bigger chunk out of equities about 18 months ago or so, and eliminated the separate REIT allocation, when the run-up in stock prices meant that I was on target to achieve my initial goals with very modest rates of returns. I no longer needed to take so much risk, so I scaled back.

Today I'm at 55% equities, whereas on my original glide path I'd be at more like 68%. I'm still dropping about 2.5% points per year, now aiming to hit 30% at age 65. I'm increasing the small-value tilt as I ramp down.

Based on what I think I know now, if I were imagining how I would formulate a portfolio if a magic wand made me 45 tomorrow, I'd probably be aiming for something like 70% equities with a major small-value domestic and small-cap international tilt, possibly an emerging market tilt too. But a lot would depend on my goals and capabilities. If I thought I could end up with the portfolio I wanted at 4% average annual returns, I'd not have so much in equities.

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Re: Any other investors with 70/30 portfolio?

Post by cheese_breath » Fri Jan 30, 2015 11:25 am

aelfa wrote:We're 38/45....
Where's the rest of it?
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Re: Any other investors with 70/30 portfolio?

Post by timboktoo » Fri Jan 30, 2015 11:30 am

I am pretty close to that. I am 32 and keep 2/3 of my portfolio in stocks and 1/3 in bonds. I have a friend who does 70/30.

I would like to keep this portfolio forever, but my aversion to risk might make me keep a 50/50 portfolio at some point later on.
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Re: Any other investors with 70/30 portfolio?

Post by Bill M » Fri Jan 30, 2015 1:34 pm

I'm 62, retired, and follow a floor/upside strategy. The floor is 100% bonds, and the upside is 70/30. As the floor is consumed over the years, and the upside stays 70/30, it will lead to what Wade Pfau calls a "rising equity glidepath."

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Re: Any other investors with 70/30 portfolio?

Post by lack_ey » Fri Jan 30, 2015 2:01 pm

cheese_breath wrote:
aelfa wrote:We're 38/45....
Where's the rest of it?
I ate it. Burp.

(those are the ages, presumably. post says between 85/15 and 90/10)

I'm at about 77/23 right now for non-emergency funds, but realistically that includes money for a hypothetical home down payment in the future, and more of that would come out of fixed income. This is at 27, though.

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Re: Any other investors with 70/30 portfolio?

Post by aelfa » Fri Jan 30, 2015 2:15 pm

lack_ey wrote:
cheese_breath wrote:
aelfa wrote:We're 38/45....
Where's the rest of it?
I ate it. Burp.

(those are the ages, presumably. post says between 85/15 and 90/10)

I'm at about 77/23 right now for non-emergency funds, but realistically that includes money for a hypothetical home down payment in the future, and more of that would come out of fixed income. This is at 27, though.
LOL, spot on -- those are our ages.

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Re: Any other investors with 70/30 portfolio?

Post by joe8d » Fri Jan 30, 2015 9:48 pm

riptide wrote:
k66 wrote:I am scheduled to turn 49 this year and plan to maintain a 75/25 AA for the next decade.
This is a great plan!
:thumbsup
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Re: Any other investors with 70/30 portfolio?

Post by nedsaid » Fri Jan 30, 2015 9:59 pm

I am 55 years old and have a 70/30 portfolio. It has been there since maybe 2003-2004. It has fluctuated a bit but essentially I have been there about 10 years or so.
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Re: Any other investors with 70/30 portfolio?

Post by justj2k78 » Sat Jan 31, 2015 12:32 am

I'm 37 and at 65/35. Many would call this conservative, but it's what makes me happy. 1/2 of my bond allocation is fixed at 1.85%. I know this will cap my potential upside to some degree, but I have it that way to offer some protection against the bottom falling out. In the end, you make the best decision you can and let it fly. Good luck.

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Re: Any other investors with 70/30 portfolio?

Post by JLJL » Sat Jan 31, 2015 12:53 am

Compound wrote:Yep, 70/30 here. I'm 37 years old and I'm comfortable with my allocation as it stands. At age 45, I plan on dropping it to 60/40. These plans feel right to me on my personal need/ability/desire to take risk spectrum. Ymmv.
Same here. 36 and 34 YO.

We were more like 90/10 up to last year at the advice of vanguard based on age from 10 years ago. Last year read bogleheads guide to investing and landed on this site and have made many financial planning moves in 1 year including an IPS and a decision to hold 70/30 for now and many years to come. I may let the "winners run" up to say 75/25 if it should go this way, but I want at least 70% equities.

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Re: Any other investors with 70/30 portfolio?

Post by bargainhuntingking » Sat Jan 31, 2015 2:21 am

I'm in my mid 40s.

After witnessing the drop in 2008-2009 first hand early in my investing career, I felt that age in fixed was a very good idea.

Since then I have been persuaded to change my AA to 75/25 based on backtesting (on Portfolio Visualizer) the gains from equities over decades and witnessing how dramatic the gains can be with particularly risky, volatile tilts (REITS, Emerging Markets, Small Cap Value, etc.). These risks seem worth it as I have a high savings rate, stable job, low expenses. In addition, portfolios which are conservative have inherent risk as well, namely decreased performance.

That being said, I sold my house last year and put the proceeds in Muni funds in my taxable account. This brought my AA back to 60/40. It has been fascinating watching the reverse correlation of my equity funds with my bond funds through the recent dips and rises on a daily basis. This reverse correlation is reassuring to me. When stocks decline, the bonds funds rise and vice versa. I'm happy keeping my AA here until I need some funds for my next home purchase, but will also be happy with a 75/25 AA or even a 85/15 AA if I can rationally justify it. They all have their benefits. It's just a matter of being comfortable with one's decision based on both subjective and objective factors.

Thus taking these AA fluctuations into account, I'm basically close to 70/30.
Last edited by bargainhuntingking on Sun Feb 01, 2015 6:13 am, edited 2 times in total.

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Re: Any other investors with 70/30 portfolio?

Post by MnD » Sat Jan 31, 2015 10:11 am

Roughly 70/30 and plan to hold it for life in a mix of Federal TSP, Vanguard index ETF's and Dodge and Cox Funds.
Age 52.5, planned retirement for both of us at age 56.
1 federal pension, one nearly maxed out claim on SS and one above-average claim on SS and will have no debt and no dependents at retirement.
We're both fine with varying withdrawal from portfolio depending on performance and also plan reverse balancing -Pull from stocks when stocks are hot and from cash/bonds when stocks are not.

My parents were 60/40 for life without a pension, the volatility didn't seem to bother them and it doesn't bother me.
70/30 AA for life, Global market cap equity. Rebalance if fixed income <25% or >35%. Weighted ER< .10%. 5% of annual portfolio balance SWR, Proportional (to AA) withdrawals.

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Re: Any other investors with 70/30 portfolio?

Post by GoldenFinch » Sat Jan 31, 2015 10:17 am

k66 wrote:I am scheduled to turn 49 this year and plan to maintain a 75/25 AA for the next decade.
I am also 48 and am doing the exact same thing.

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Re: Any other investors with 70/30 portfolio?

Post by columbia » Sat Jan 31, 2015 12:31 pm

Factoring in my various accounts, I'm at ~ 72% at age 46. I plan to keep it there until age 60 and then will reassess. Perhaps drop it to 60/40 at that point (?).
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Re: Any other investors with 70/30 portfolio?

Post by riptide » Sat Jan 31, 2015 2:02 pm

nedsaid wrote:I am 55 years old and have a 70/30 portfolio. It has been there since maybe 2003-2004. It has fluctuated a bit but essentially I have been there about 10 years or so.
Ned is like my advisor on here, so I follow his lead 70/30 ....
Brokerage account 70/30 | VG total Market 40% | VG total Intl 11% | VG small cap value 12% | VG Reit index 7% | VG Total Bond 30% | TSP Account 75/25 | C Fund 45%, S 15%, I 15%, G 25% | EE Bonds=Emergency Fund

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Re: Any other investors with 70/30 portfolio?

Post by bmelikia » Sat Jan 31, 2015 2:08 pm

Turned 30 a few months ago. . .

70/30 - pretty much going for the "age in bonds" approach

Time will tell
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Re: Any other investors with 70/30 portfolio?

Post by MKP » Sat Jan 31, 2015 2:11 pm

I am at 72/27 I am turning 31 and am doing age-5 in bonds.

I save a lot so I dont feel like i need to take as much risk.

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Re: Any other investors with 70/30 portfolio?

Post by jnet2000 » Sat Jan 31, 2015 2:34 pm

I think a 70/30 split if fine if it works for you. I was 100% equities from up until I was 30.

I'm 38 yrs old.

Retirement portfolio (taxable & IRAs) currently is 50/50. I will gradually be at 40/60 and plan to stay there until the end.
Intermediate term portfolio (taxable) 20 stock/40 bond/ 20 cash. This is for my next house, car, etc. 5-10 year horizon.

What I have learned from this board is that asset allocation is a very personal decision and only YOU can decide if it is right for YOU and YOUR risk tolerance. Ability and need to take risk is what you have to keep in mind. I am 100% debt free including my mortgage, however, I own a small business with equity like characteristics. I take the majority of my risk on the entrepreneurial side and keep my retirement portfolio a bit more conservative for what someone my age would typically have.
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Re: Any other investors with 70/30 portfolio?

Post by RunningRad » Sat Jan 31, 2015 2:54 pm

I am 49, and I am 70:30 in my Betterment account, a very small fraction of my overall portfolio, which is close to 60:40.

I was 70:30 from 2011 to early 2014, and I scaled down to 60:40 about a yer ago.
Few decisions in life motivated by greed ever have happy outcomes--Peter Bernstein, The 60/40 Solution

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Re: Any other investors with 70/30 portfolio?

Post by Petrocelli » Sat Jan 31, 2015 3:01 pm

I'm 68/32 in my 401(k). I track the bond allocation of Target 2025. It's a mindless way to set a bond allocation, which is good.
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Re: Any other investors with 70/30 portfolio?

Post by kolea » Sat Jan 31, 2015 7:38 pm

I am at about 68/32. I am 63 years old. I was at 100% equities for 30+ years. Still getting used to the idea of owning any bonds at all. But, as someone above mentioned, staying high in equities for so many years has put me in a good position.
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Re: Any other investors with 70/30 portfolio?

Post by Mr. Gatti » Sat Jan 31, 2015 8:07 pm

We are roughly Age-25 in bonds. We are 36/33 yo and AA is 90/10. Need to take risk is relatively low, but willingness and ability relatively high.

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Re: Any other investors with 70/30 portfolio?

Post by Cyclesafe » Sun Feb 01, 2015 4:57 am

60YO retired and 64/36 with enough. Jim Otar's "aftcasting" would argue that I should reduce risk further and trade a higher downside for an unneeded higher upside. It's also hard for me to invest in bonds in today's environment, but I rationalize that today's stock valuations are actually a consequence of low fixed income yields. I tell myself to stop complaining.
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Re: Any other investors with 70/30 portfolio?

Post by riptide » Wed Mar 11, 2015 10:08 am

columbia wrote:Factoring in my various accounts, I'm at ~ 72% at age 46. I plan to keep it there until age 60 and then will reassess. Perhaps drop it to 60/40 at that point (?).

I am the thread starter and remain at 70/30/ I think I will have a plan just like you....70/30 until age 60. I am 45 now.
Brokerage account 70/30 | VG total Market 40% | VG total Intl 11% | VG small cap value 12% | VG Reit index 7% | VG Total Bond 30% | TSP Account 75/25 | C Fund 45%, S 15%, I 15%, G 25% | EE Bonds=Emergency Fund

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Re: Any other investors with 70/30 portfolio?

Post by drzzzzz » Wed Mar 11, 2015 3:22 pm

I am 58 and moving toward 50/50 from 70/30 - I think the next stock market downturn might change some opinions (and how people assess their risk tolerance) since we seem to have forgotten about the last one so quickly.,;

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Re: Any other investors with 70/30 portfolio?

Post by ShiftF5 » Wed Mar 11, 2015 3:24 pm

Toons wrote:I am 64 and have VERY gradually moved from 90/10 stock bond to currently 69/31,,and continue to work towards 50/50 as my permanent allocation. :happy
+1.

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Re: Any other investors with 70/30 portfolio?

Post by jhfenton » Wed Mar 11, 2015 3:37 pm

My wife is 45, and I will be 45 this month, and we're at ~100/0 (excluding emergency funds) and plan to stay there until 50. We've been 100% equities continuously for 20 years. We have a gradual transition mapped out to 90/10 from 50 to 55, accelerating from there based on our plans. We could be anywhere from 40/60 to 70/30 in retirement (65+) depending on our goals and assets.

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fortyofforty
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Re: Any other investors with 70/30 portfolio?

Post by fortyofforty » Thu Mar 12, 2015 6:42 pm

I was 100% stocks for a long time now. I was 50% C, 20% S, and 30% I. For several reasons, I have now adjusted to a 70/30 mixture, with 40% C, 15% S, 15% I, and 30% G. (I am exploring whether G, F, or a G/F hybrid is best, but I haven't decided yet.) I am a bit older than you, however, if that matters much.

I would suggest you look into Dan Jamison's FERSGUIDE. There are so many aspects of a federal career that the HR departments don't know, or can't adequately explain, that it will pay off in the long run. Dan is slightly geared towards special agents, but provides a non-agent guide as well.
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cody69
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Re: Any other investors with 70/30 portfolio?

Post by cody69 » Thu Mar 12, 2015 7:20 pm

75/25 until I turned 50... then ran at 70/30 until last year when I moved to a 60/40 allocation.
My reasoning was I could take more risk when I was younger, and needed the higher returns from equities in order to reach my number.
Now that I'm close to my target, I no longer need to take the risk and will hit my glide path to the 50/50 allocation specified in my IPS for early retirement.

cottonseed1
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Re: Any other investors with 70/30 portfolio?

Post by cottonseed1 » Thu Mar 12, 2015 10:43 pm

Age 30. 70/30 with 33% of equities in international. 1/3 of my bond position is in cash and is needed to run my business.

I plan to stay at this allocation for at least the next decade. I have a lot of experience taking financial risks and dealing with losses, so I am happy with current allocation. If my human capital was higher in relation to my portfolio I would likely be 90/10. I would not recommend 90/10 to most people my age, however.

IlliniDave
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Re: Any other investors with 70/30 portfolio?

Post by IlliniDave » Fri Mar 13, 2015 7:46 am

riptide wrote:Any others with 70% stocks/ 30% bonds like I currently have and hope to hold for years. And, what are your plans?
Age 45, I have a Federal government Pension and invested in TSP.
I'm close to that, it's what my investment policy calls for, although I've let my stock allocation drift upward a ways over the few years. I'm getting close to age 51 and plan to retire sometime between age 55 and age 55 1/2. Right now I don't plan to change my allocation a whole lot. If I look at things from a LMP perspective, something around 30% of my projected invested assets at age 55ish should cover my basic liabilities going forward along with SS and the like (my lifestyle needs are modest). So my thought is to keep that stable and and grow the rest for the kiddies and grandkiddies. Coincidentally that mirrors my 70/30 in a sense, so I don't feel a sense of urgency to change. If at some later point I do, I'll rewrite my policy and do so.
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ALinLI
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Re: Any other investors with 70/30 portfolio?

Post by ALinLI » Fri Mar 13, 2015 8:39 am

70/30 here at 43 - Moved here form 60/40 .

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