Non-Equity Portion of Retiree Portfolio ?

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J295
Posts: 2849
Joined: Sun Jan 01, 2012 11:40 pm

Non-Equity Portion of Retiree Portfolio ?

Post by J295 »

We are 60 and retired and have "enough" and are using "50/50 allocation." Planning to drop down to 40/60 over the next 10 years then evaluate allocation going forward.

For the non-equity portion (which is 50% of the total portfolio) we are generally ...
1/3 money market, CD Ladder, Ibonds, short term bond fund, and floating rate fund
1/3 BND
1/3 TIPS

Cash flow, taxes, and placement of assets are not material issues.

Does the non-equity portion make sense? Doing an annual review and thought I'd touch base to obtain insights from here. Thanks.
retiredjg
Posts: 43174
Joined: Thu Jan 10, 2008 12:56 pm

Re: Non-Equity Portion of Retiree Portfolio ?

Post by retiredjg »

No problems that I see.
Fundhunter
Posts: 181
Joined: Sun Mar 11, 2007 9:11 pm
Location: Atlanta

Re: Non-Equity Portion of Retiree Portfolio ?

Post by Fundhunter »

I am retired and do something similar, only more equities than fixed income. Also put some of the TIPS in Vanguard's short term TIPS mutual fund. I also avoid much in long term bonds, as interest rates are pretty low now and I am taking my risk in equity portion and not not in the fixed income percentage.
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