Share your current asset allocation?

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nedsaid
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Re: Share your current asset allocation?

Post by nedsaid » Sun Dec 27, 2015 11:17 am

Age 56.

51% US Stocks
17% International Stocks
28% Bonds
3% Cash
A fool and his money are good for business.

Fclevz
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Re: Share your current asset allocation?

Post by Fclevz » Sun Dec 27, 2015 11:36 am

96% Target Retirement 2030 (VTHRX)
4% Checking account
:D

itstoomuch
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Re: Share your current asset allocation?

Post by itstoomuch » Sun Dec 27, 2015 12:58 pm

itstoomuch wrote:
allisonwalker wrote:Hi all. Simple request, can some of you post your asset allocations here? I would like to see some examples from Bogleheads.
OP, Your request is not as "simple" as you may think.

We (65/68) have a secured base income in SS, annuities, and now a rental. If inflation happens or if equities fall, our base Income goes up. If deflation, the base stays the same and the equities in the other buckets increase in value. I actively manage our taxes and to some extent, manage the trading accounts in a gross sort of way.

The SS is almost enough for us. Add in the Annuities, we will more than enough. Add the rental, and we will be unknown territory in using the funds. The trading accounts are not even touched, hence I could be very discretionary on how I use these investments.
GL
We (65/68, retired) have been analyzing our "portfolio" and EofY tax: Current Values.
68% - SS+pension (assumed 3.5% bond equivalences) , deferred Fixed-Indexed annuity, deferred Variable annuity (annuities are GLWB, Income values)
18% -Rental (at cost)
13% -Trading accounts and discretionary MF/Indexes (current values, mostly utility stocks & utility indexes)
1% - Cash

intangible asssets: debt free home, small PLUS @3%, LTCi
The analysis has revealed, no matter how I allocate the 13% trading/discretionary, our future income will be only slightly impacted.
Last edited by itstoomuch on Sun Dec 27, 2015 1:23 pm, edited 1 time in total.
Rev012718; 4 Incm stream buckets: SS+pension; dfr'd GLWB VA & FI anntys, by time & $$ laddered; Discretionary; Rentals. LTCi. Own, not asset. Tax TBT%. Early SS. FundRatio (FR) >1.1 67/70yo

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TinkerPDX
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Re: Share your current asset allocation?

Post by TinkerPDX » Sun Dec 27, 2015 1:20 pm

39% US equity
-30% total/LC (VTI/SCHX)
-30% total value (VTV/SCHV)
-15% SC/MC (VB, VO)
-15% SC/MC value (VBR, VOE)
-10% REIT (VNQ)

39% ex-US equity
-24% developed (VEA/SCHF)
-12% emerging (VWO/SCHE)
-36% value (VTRIX/FNDF)
-18% SC/MC (VSS/SCHC)
-10% RE (VNQI)

22% bonds (using age-10, plan stick with that until we hit 40% bonds)
-50% US (BSV, BIV, BLV/SCHZ)
-15% US TIPS (I-bonds)
-35% ex-US (BNDX)

Self/SO both 32 years old. We'll retire when we hit $2M or so.
Last edited by TinkerPDX on Sun Dec 27, 2015 2:27 pm, edited 1 time in total.

ausgenf
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Re: Share your current asset allocation?

Post by ausgenf » Sun Dec 27, 2015 1:42 pm

40% US equities (VG total stock market index fund)
10% international equities (VG total int'l stock index fund)
50% bonds (VG total bond market index fund + VG interm. tax exempt fund + CDs + I-bonds)

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RyeWhiskey
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Re: Share your current asset allocation?

Post by RyeWhiskey » Sun Dec 27, 2015 3:49 pm

Age 29. 100% Vanguard Total World Stock Index VTWSX/VT
This post was brought to you by Vanguard Total World Stock Index (VTWSX/VT).

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aj76er
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Re: Share your current asset allocation?

Post by aj76er » Sun Dec 27, 2015 3:53 pm

Age = 39

Stock/Bond = 80/20

U.S./Intl = 60/40

U.S. Stocks = 48%
Intl Stocks = 32%
U.S. Bonds = 20%

Three fund portfolio, using Vanguard total market funds
"Buy-and-hold, long-term, all-market-index strategies, implemented at rock-bottom cost, are the surest of all routes to the accumulation of wealth" - John C. Bogle

Drovor
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Re: Share your current asset allocation?

Post by Drovor » Sun Dec 27, 2015 3:57 pm

Recently converted Boglehead :D

Vanguard Roth
68% TSM
20% TISM
10% TBM

403B
2% Vanguard 500

student
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Re: Share your current asset allocation?

Post by student » Sun Dec 27, 2015 4:03 pm

Age is 50. The list includes retirement, taxable and emergency fund.

Domestic Stock 56%
Foreign Stock 15%
Bonds/Stable Value 11%
Cash 18%
Last edited by student on Mon Jan 11, 2016 12:06 am, edited 1 time in total.

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Gambler
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Re: Share your current asset allocation?

Post by Gambler » Sun Dec 27, 2015 4:08 pm

nedsaid wrote:Age 56.

51% US Stocks
17% International Stocks
28% Bonds
3% Cash
only 28% bonds? You're kinda light on Bonds at your age?


Me (IRA/Roth only):
age 45

42.5% US Stocks (5% REITs, 5% in Healthcare, rest= Total Market)
22.5% Intl (Total Intl)
33.5% Bonds (10% TIPs, rest= Total Bonds)
1.5% cash
"Always be thankful for what you have no matter how much or how little" -EternalOptimist

gkaplan
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Re: Share your current asset allocation?

Post by gkaplan » Sun Dec 27, 2015 7:02 pm

My overall target allocation is 60/40 Equity/Fixed Income. Specifically, my target allocations are as follows:

10.00%: Domestic Large-Cap Value (VVIAX – Vanguard Value Index Fund Admiral Shares – Roth IRA)
10.00%: Domestic Small-Cap Value (VSIAX – Vanguard Small-Cap Value Index Fund Admiral Shares – Roth IRA)
06.00%: Foreign Markets Large – Developed – Europe (VEUSX – Vanguard European Stock Index Fund Admiral Shares – Roth IRA)
06.00%: Foreign Markets Large – Developed – Pacific (VPADX – Vanguard Pacific Stock Index Fund Admiral Shares - Roth IRA)
14.00%: Foreign Markets Small – Developed and Emerging (VFSVX – Vanguard FTSE All-World ex-US Small-Cap Index Fund - Roth IRA)
14.00%: Foreign Markets Large and Small – Emerging (VEMAX – Vanguard Emerging Markets Stock Index Fund Admiral Shares - Roth IRA)
40.00%: Fixed Income (VAIPX – Vanguard Inflation-Protected Securities Fund Admiral Shares - Roth IRA / Thrift Savings Plan "G" Fund)

Age 72 (Retired)

(Edited to include age and work status.)
Last edited by gkaplan on Sun Dec 27, 2015 7:16 pm, edited 2 times in total.
Gordon

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Gort
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Re: Share your current asset allocation?

Post by Gort » Sun Dec 27, 2015 7:10 pm

Age 62. Retired.
60/40 equities/bonds
Equities: 67% Total Stock Market Index Fund (VTSAX)/33% Total International Stock Index Fund (VTIAX)
Bonds: 100% Intermediate-Term Bond Index Fund (VBILX)

herpfinance
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Re: Share your current asset allocation?

Post by herpfinance » Sun Dec 27, 2015 7:48 pm

Age 31.

Stock/bond ratio in tax advantaged accounts is 75/25.

85/15 split between developed/emerging equity (practically market weights). No developed small cap stocks due to lack of availability of a broad fund including them at a non-trivial cost.

67/33 government or mortgage backed bonds/investment grade corporate bonds.
"The intelligent investor is a realist who sells to optimists and buys from pessimists" - Benjamin Graham

heyyou
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Re: Share your current asset allocation?

Post by heyyou » Sun Dec 27, 2015 7:57 pm

Age 65, retired with no-COLA pension that is more than half of spending, waiting to max SS at age 70, with 60/35 allocation and 5% in GLD plus PCRIX (gold and mixed commodities). The 60% equities is in equal portions of slice and dice equity asset sub-classes.

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grabiner
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Re: Share your current asset allocation?

Post by grabiner » Sun Dec 27, 2015 8:25 pm

This is my current allocation; I make scheduled changes and rebalance when I make my IRA contribution, which will be next week.

Age 47
98% net stock, 2% net bonds, increasing bond allocation by 2% per year
If you don't count the mortgage as a negative bond, then my bond allocation is 12% of my invested portfolio, and this is increasing by about 1% per year because my mortgage is shrinking both because of payments and because other investments grow.

44% US stock: 1/8 LG, 3/8 LV, 1/8 SG, 3/8 SV
44% foreign stock: 3/8 developed large, 1/4 emerging large, 1/4 developed small, 1/8 emerging small
10% real estate: 1/2 US, 1/2 foreign
2% net bonds: 13% bond fund, -11% mortgage
Wiki David Grabiner

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nedsaid
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Re: Share your current asset allocation?

Post by nedsaid » Sun Dec 27, 2015 10:19 pm

Gambler wrote:
nedsaid wrote:Age 56.

51% US Stocks
17% International Stocks
28% Bonds
3% Cash
only 28% bonds? You're kinda light on Bonds at your age?


Me (IRA/Roth only):
age 45

42.5% US Stocks (5% REITs, 5% in Healthcare, rest= Total Market)
22.5% Intl (Total Intl)
33.5% Bonds (10% TIPs, rest= Total Bonds)
1.5% cash
Yes, I am light on bonds for somebody my age. I have thought about and posted about this a lot and really agonized over this. I guess I can't get too excited about 2% yields. When I look at the 2025 Retirement Target Date funds for Vanguard, Fidelity, and T. Rowe Price; I am right in the neighborhood of what they are doing. American Century is much more conservative with their 2025 fund. So I thought I was hanging way out there in terms of risk but I am pretty close to what three large fund companies think is age appropriate.

John Bogle in a Morningstar interview said that most retirees were investing too conservatively. He said that a 65% stock and 35% bond portfolio was appropriate for most investors. Part of his thinking is that Social Security gives a floor of guaranteed income. He also talks about considering the actuarial value of Social Security as a bond in their portfolio, which for most retirees is between $300,000 and $400,000.

I am still giving a lot of thought to this. I contribute to my retirement plans in the ratio of 60% stocks and 40% bonds. In fact that is my target asset allocation, I am stock heavy in part because of very low interest rates.
A fool and his money are good for business.

Ashley1748
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Re: Share your current asset allocation?

Post by Ashley1748 » Sun Dec 27, 2015 10:32 pm

The question needs additional information (target withdrawal rate, for example), but here it is:

Age: 60/55
AA: 50/50
Equity: 75% Domestic (US), 25% Int'l
Debt: 10% short-term, 30% Intermediate, 10% Long-term

Is someone going to aggregate results?

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abuss368
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Re: Share your current asset allocation?

Post by abuss368 » Mon Dec 28, 2015 9:34 am

gkaplan wrote:My overall target allocation is 60/40 Equity/Fixed Income. Specifically, my target allocations are as follows:

10.00%: Domestic Large-Cap Value (VVIAX – Vanguard Value Index Fund Admiral Shares – Roth IRA)
10.00%: Domestic Small-Cap Value (VSIAX – Vanguard Small-Cap Value Index Fund Admiral Shares – Roth IRA)
06.00%: Foreign Markets Large – Developed – Europe (VEUSX – Vanguard European Stock Index Fund Admiral Shares – Roth IRA)
06.00%: Foreign Markets Large – Developed – Pacific (VPADX – Vanguard Pacific Stock Index Fund Admiral Shares - Roth IRA)
14.00%: Foreign Markets Small – Developed and Emerging (VFSVX – Vanguard FTSE All-World ex-US Small-Cap Index Fund - Roth IRA)
14.00%: Foreign Markets Large and Small – Emerging (VEMAX – Vanguard Emerging Markets Stock Index Fund Admiral Shares - Roth IRA)
40.00%: Fixed Income (VAIPX – Vanguard Inflation-Protected Securities Fund Admiral Shares - Roth IRA / Thrift Savings Plan "G" Fund)

Age 72 (Retired)

(Edited to include age and work status.)
Hi Gordon,

Thank you for providing an update. Did you change your portfolio strategy? I thought you were invested in the Target Funds? Great advice as always.

Best.
John C. Bogle: "You simply do not need to put your money into 8 different mutual funds!" | | Disclosure: Three Fund Portfolio + U.S. & International REITs

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abuss368
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Re: Share your current asset allocation?

Post by abuss368 » Mon Dec 28, 2015 9:35 am

We are 70% stocks and 30% bonds and plan to stay the course for a while with this allocation. We will increase the bonds at a future point in time.

Best.
John C. Bogle: "You simply do not need to put your money into 8 different mutual funds!" | | Disclosure: Three Fund Portfolio + U.S. & International REITs

2Birds1Stone
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Re: Share your current asset allocation?

Post by 2Birds1Stone » Mon Dec 28, 2015 9:47 am

50% Stock (60 US/ 40 Int)
20% Cash
20% Precious Metals
10% US Treasury

edge
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Re: Share your current asset allocation?

Post by edge » Mon Dec 28, 2015 10:06 am

I have nearly the same AA as Robert only I have 60:40 US to foreign, global REITs, and slightly higher EM vs developed international.

I am gradually increasing bonds every year by approximately 1% of portfolio till I get to 60:40. I have no need for risk in my portfolio at this point. Most of my risk is in RSUs and SARs.
Robert T wrote:.
Had same asset allocation targets for the last 13 years. No plans to change.

Stock:bond
  • 75% Stocks
    25% Bonds
Within stocks
  • 50% US
    37% Intl develped
    13% EM
    1.0/0.2/0.4 Mkt/Size/Value factor load targets
Within bonds
  • 100% US
    0.5/0.0 Term/Default factor load targets
So far, so good - in that actual return has exceeded expected return, and 2008 downside was within annual tolerable loss (confirmation that 75:25 stock:bond is about right for me).

Robert
.

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linenfort
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Re: Share your current asset allocation?

Post by linenfort » Mon Dec 28, 2015 10:51 am

52 stocks
42 bonds
06 gold
bogleheads, don't knock state lotteries. They helped defund the mafia.

Rysto
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Re: Share your current asset allocation?

Post by Rysto » Mon Dec 28, 2015 12:42 pm

Age 30, Canadian

Fixed Income: 20%
10% CDs
10% Canadian Intermediate/Short Government Bonds

Equity: 80%
30% US Stocks (VTI)
30% International Stocks (VXUS)
20% Canadian Stocks

Unfortunately there is a bit of overlap between VXUS and my Canadian stocks, but it ends up being a negligible portion of my portfolio and I prefer a simpler set of ETFs to manage.

FRANK2009
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Re: Share your current asset allocation?

Post by FRANK2009 » Mon Dec 28, 2015 8:52 pm

65% Total World Stock (VT)

35% 5 year Pen fed CD

I like simple...

paper200
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Re: Share your current asset allocation?

Post by paper200 » Mon Dec 28, 2015 9:54 pm

In taxable, IRA and 401k's (Ages 54/52)

Bonds (45% Muni, 25%TBM, 9% Ibonds, 12% International, 8%Cash) 43.2%
Balanced (Target 2020 (2/3) & Wellesley (1/3)) 15.8%
Stocks ( 52% US, 9% Small; 28% International, 11%Small/Emerging) 34.8%
REIT/GLD (2:1) 6.3%
Having freedom, food and roof is being 90% lucky in life and so is index investing. So, don't let the remaining 10% bother you.

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obgyn65
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Re: Share your current asset allocation?

Post by obgyn65 » Tue Dec 29, 2015 7:34 am

I am 50, retired and 0% stock.
"The two most important days in someone's life are the day that they are born and the day they discover why." -John Maxwell

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stemikger
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Re: Share your current asset allocation?

Post by stemikger » Tue Dec 29, 2015 7:47 am

Age 51

Tax Deferred = 401K
65% In Vanguard Institutional Index Fund (No International)
35% In Blackrock U.S. Debt Index Fund
(Max out my 401K every year - $24K)

No Taxable, but a 6 month emergency Fund in a Bank Savings Account

Paid Off House (I chose to pay off my house 12 years earlier instead of putting money into taxable investments)

I have a small Traditional IRA that I am not including in my mix. It is very small compared to my 401K and I have everything in the Vanguard Balanced Index Fund ($24K)

No Debt
Choose Simplicity ~ Stay the Course!! ~ Press on Regardless!!!

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abuss368
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Re: Share your current asset allocation?

Post by abuss368 » Tue Dec 29, 2015 8:00 am

stemikger wrote:Age 51

Tax Deferred = 401K
65% In Vanguard Institutional Index Fund (No International)
35% In Blackrock U.S. Debt Index Fund
(Max out my 401K every year - $24K)

No Taxable, but a 6 month emergency Fund in a Bank Savings Account

Paid Off House (I chose to pay off my house 12 years earlier instead of putting money into taxable investments)

I have a small Traditional IRA that I am not including in my mix. It is very small compared to my 401K and I have everything in the Vanguard Balanced Index Fund ($24K)

No Debt
Hi stemikger,

Did you look into the possibility that the Traditional IRA may be abled to be rolled into the employer 401(k) plan in terms of account consolidation?

Best.
John C. Bogle: "You simply do not need to put your money into 8 different mutual funds!" | | Disclosure: Three Fund Portfolio + U.S. & International REITs

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stemikger
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Re: Share your current asset allocation?

Post by stemikger » Tue Dec 29, 2015 8:17 am

abuss368 wrote:
stemikger wrote:Age 51

Tax Deferred = 401K
65% In Vanguard Institutional Index Fund (No International)
35% In Blackrock U.S. Debt Index Fund
(Max out my 401K every year - $24K)

No Taxable, but a 6 month emergency Fund in a Bank Savings Account

Paid Off House (I chose to pay off my house 12 years earlier instead of putting money into taxable investments)

I have a small Traditional IRA that I am not including in my mix. It is very small compared to my 401K and I have everything in the Vanguard Balanced Index Fund ($24K)

No Debt
Hi stemikger,

Did you look into the possibility that the Traditional IRA may be abled to be rolled into the employer 401(k) plan in terms of account consolidation?

Best.
No I haven't, but I rather keep it with Vanguard because when I retire, I plan to move my entire 401K into the existing balanced fund (if I can) or The Total Stock Index and Total Bond Index. Thanks for the heads up!

Steve
Choose Simplicity ~ Stay the Course!! ~ Press on Regardless!!!

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tennisplyr
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Re: Share your current asset allocation?

Post by tennisplyr » Tue Dec 29, 2015 8:35 am

Here's an interesting poll among BH retirees:

viewtopic.php?f=10&t=153902&p=2309306#p2309306
Those who move forward with a happy spirit will find that things always work out.

The Daughter
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Re: Share your current asset allocation?

Post by The Daughter » Tue Dec 29, 2015 2:36 pm

jeff1949 wrote:
alpenglow wrote:
jeff1949 wrote:10% Developed Market Index
10% Emerging Markets Index
10% REIT Index
10% Small Value Index
10% Total Market Index
50% Bonds and Cash (Mostly I-Bonds)
Out of curiosity, what is your approximate age?
Hint: I just started Medicare this year. :sharebeer
Yes, it would be helpful for us "lurkers" to know the ages of the posters. I am still struggling to decide on an allocation for my situation...
The Daughter

michaeljc70
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Re: Share your current asset allocation?

Post by michaeljc70 » Tue Dec 29, 2015 3:23 pm

I'm 45 years old.

90% in Vanguard Target 2035
10% in energy/commodities/natural resources

I plan to dump the 10% but not now since it is in the gutter.

80% in various retirement accounts and 20% is in a taxable account.

bhughes1001
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Re: Share your current asset allocation?

Post by bhughes1001 » Tue Dec 29, 2015 10:13 pm

Age 58 - Tentative Plan to retire in 8 - 12 years

Across all Accounts

63% Equities
37% Fixed Income
Will gradually move toward a 60/40 split over the next year

Equities roughly 2/3 US, 1/3 International

Primary Fixed Income Vehicles

Stable Value Fund
Total Bond Market
Intermediate Term Bond
Bond Portion of Wellington

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HuckFinn
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Re: Share your current asset allocation?

Post by HuckFinn » Tue Dec 29, 2015 10:20 pm

Age 47 retired - wife age 47 retired

65% Stock - 35% Bond
Equity - 70% US, 30% Int'l
Bonds - Intermediate Core, held in Retirement Accounts, tilt toward corporate

Equity -
Total Stock Mkt Index (VTSAX) - 45.75%
FTSE All Word Ex US - (VFWAX) - 19.75%

Bond -
Int Term Bond Index (VBILX) - 15.25%
Int Term Invest. Grade (VFIDX) - 18.25
Short Term Corp Index (VSCSX) - 1% (primarily used in lieu of money market)

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jwillis77373
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Re: Share your current asset allocation?

Post by jwillis77373 » Tue Dec 29, 2015 11:36 pm

age 50 - not married

65 % Large Cap Domestic non-taxable
25 % Small Cap Domestic non-taxable
10 % BRK.B taxable

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Ice-9
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Re: Share your current asset allocation?

Post by Ice-9 » Wed Dec 30, 2015 12:07 am

42 yrs old, have had this allocation since March 2009, when I switched from target of 84% equities / 16% fixed income. (Actually didn't sell low with that change; equities had dropped so much I rebalanced back up only to 70% rather than all the way to 84%.) Plan to stay put until close to retirement.

70% Equities

* 21% domestic large cap (S&P 500)
* 14% completion index
* 7% REIT index
* 21% International
* 7% Emerging Markets

30% Fixed Income

* 15% nominal (includes TBM, CDs, EE Bonds)
* 15% inflation-protected (includes TIPS & I-Bonds)

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oldzey
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Re: Share your current asset allocation?

Post by oldzey » Wed Dec 30, 2015 1:29 am

U.S. Equities (TIEIX, VTSAX, VIMAX): 60%
TIAA Traditional (TRAD): 25%
TIAA Real Estate Account (TREA): 15%
"The broker said the stock was 'poised to move.' Silly me, I thought he meant up." ― Randy Thurman

AlanDistro
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Re: Share your current asset allocation?

Post by AlanDistro » Wed Dec 30, 2015 1:37 am

32 years old and retired early (18 months ago) after selling my small business.

O (Realty Income): 15%
PRWCX (Capital Appreciation): 5%
VSMGX (Lifestrategy Moderate Growth): 60%
VWAHX (High-Yield Tax Exempt): 10%
VWINX (Wellesley Income Fund): 5%
Physical Gold: 5%

Which puts me at about 58% equities, 37% bonds, and then the 5% gold.

Lafder
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Re: Share your current asset allocation?

Post by Lafder » Wed Dec 30, 2015 9:40 am

47 and 51

65% Total Stock Market funds
35% Total Bond Market Funds
30% of stock is Total International Stock Market Funds

I never break it into the sub categories OP listed. The above is complicated enough for me between the various accounts. I am a believer in the 3 fund portfolio and its equivalents at different companies.
Lafder

VAslim16
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Re: Share your current asset allocation?

Post by VAslim16 » Wed Dec 30, 2015 10:39 am

Age 36. All in taxable.

80% stock (55% VTI and 45% VXUS)
20% bond (I bonds)

Hoping to retire around 55 :)

Texanbybirth
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Re: Share your current asset allocation?

Post by Texanbybirth » Wed Dec 30, 2015 10:42 am

Married, 30 years old.

29% cash savings (emergency fund)
71% Vanguard Target Retirement 2050 Fund

Hopefully the latter will grow to a much larger percentage of the overall allocation! :D

herpfinance
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Re: Share your current asset allocation?

Post by herpfinance » Thu Dec 31, 2015 12:42 pm

AlanDistro wrote:32 years old and retired early (18 months ago) after selling my small business.
Congratulations :sharebeer
"The intelligent investor is a realist who sells to optimists and buys from pessimists" - Benjamin Graham

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zaboomafoozarg
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Re: Share your current asset allocation?

Post by zaboomafoozarg » Thu Dec 31, 2015 4:59 pm

35% - US total market
10% - US small cap value
5% - US REITs

20% - International total market
5% - International small cap
5% - International REITs

15% - US total bond
5% - International total bond

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iceport
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Re: Share your current asset allocation?

Post by iceport » Thu Dec 31, 2015 6:43 pm

26% Total Stock Market Index
4% Small Cap Index
4% REIT

4% Global ex-US Real Estate Index
8% Developed Markets Index
5% Emerging Markets Index
5% FTSE all-world ex-US Small Cap Index

12% Total Bond Market
8% TIPS Fund
24% Stable Value Fund (3% yield)

red = defined contribution plan
green = Roth IRA
blue = taxable account

age = 53.9
Last edited by iceport on Thu Dec 31, 2015 7:02 pm, edited 1 time in total.
"Discipline matters more than allocation.” ─William Bernstein

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pennstater2005
Posts: 2454
Joined: Wed Apr 11, 2012 8:50 pm

Re: Share your current asset allocation?

Post by pennstater2005 » Thu Dec 31, 2015 6:50 pm

Age 37 Wife 29

Stocks 82%
Bonds 17%
Cash 1%
“If you think nobody cares if you're alive, try missing a couple of car payments.” – Earl Wilson

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