What is your age/AA during this crisis?

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Turkishcoffee
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What is your age/AA during this crisis?

Post by Turkishcoffee »

Is anyone willing to share their age, marital status( for net purposes), asset allocation Before and After this crisis, and if willing, their net worth and/or years to retirement?

I think I’m looking to see just how much of a scaredy cat I’ve become. From other posts I’m surprised how highly tilted toward stocks some are by their posts, it without age or more info it’s irrelevant to me.
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Admiral Fun
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Re: What is your age/AA during this crisis?

Post by Admiral Fun »

90/10 mid 40s, married... net worth was 2 mil, now about 1.5 mil.

I’m probably 15-20 years from retirement so no reason to second guess or change my AA. I sleep pretty well.

However, I do wish I had a bigger emergency fund. I’m directing all dividends to cash in order to build this up. I also am contributing 100% stock in tax deferred accounts to rebalance back up to 90/10.

I’ve realized both that I have a pretty high risk tolerance, but also I should start moving to bonds 10 years from retirement rather than 5 years out as I had planned. The speed of this drawdown has been shocking.
DNeal
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Re: What is your age/AA during this crisis?

Post by DNeal »

I'm 69 my wife is 61 and we are both retired.
Before crisis 58% stocks - 35% bonds - 7% cash
Now 54% stocks - 39% bonds - 7% cash

I had fleeting moments of feeling foolish, in the last few years of why my AA wasn't heavier on the equity side and would quickly come to my senses. I remembered why I had bonds and cash in the first place. 2008 straightened me out of what my true risk tolerance is.
Scatterbrain
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Re: What is your age/AA during this crisis?

Post by Scatterbrain »

35, married, two kids under 4. 95% in stocks and real estate property interest (limited partner). 5% in bonds via wife's lifecycle fund. Keep ~9months reserves in cash. adding to stocks with bonus money that came in mid-march.
RiotAct
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Re: What is your age/AA during this crisis?

Post by RiotAct »

Hi there!

32, married, plan on retiring in my early 60s :D

Currently 92% equities / 8% bonds. Was the same before the COVID—9 crisis began.
Jack FFR1846
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Re: What is your age/AA during this crisis?

Post by Jack FFR1846 »

63 MFJ
will retire sometime.
$2.5 investments. House worth maybe $600k
50/50 before this. Went to 45/55 and I rebalanced. (5%)
My taxes were filed and AGI allowed Roths, so $14k for the 2 of us. All Fidelity Zero US Market.
Dividends paid in taxable and invested in various total US Stock funds. I added a few hundred to round out to more shares.
Currently almost exactly 50/50
As of now, I'm down maybe $300k from before. Oh...I did tax loss harvest.
Bogle: Smart Beta is stupid
MarkRoulo
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Re: What is your age/AA during this crisis?

Post by MarkRoulo »

Turkishcoffee wrote: Tue Mar 31, 2020 8:02 pm Is anyone willing to share their age, marital status( for net purposes), asset allocation Before and After this crisis, and if willing, their net worth and/or years to retirement?

I think I’m looking to see just how much of a scaredy cat I’ve become. From other posts I’m surprised how highly tilted toward stocks some are by their posts, it without age or more info it’s irrelevant to me.
I'll be 52 in a month and my wife will turn 52 a few months after that.

Very early January I was about 58%/32%/10% Stocks/Bonds/Cash

I'm now around 52%/37%/11% Stocks/Bonds/Cash

I'm down about 12% from early January (more since the stock peak, but I wasn't paying close attention then so I can only guess by how much).

I'm still working, but part-time (or, as my co-workers prefer, semi-retired). I expect to be fully retired in 2-3 years if not earlier. This stock market drop hasn't changed my plan to retire.
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Noobvestor
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Re: What is your age/AA during this crisis?

Post by Noobvestor »

My AA and age have stayed basically the same (well, rounded at least) before and during the crisis :beer

(60/40 stocks/bonds and 40 years old)
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greenback
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Re: What is your age/AA during this crisis?

Post by greenback »

Single 26 year old and 100% equities, however, according to Personal Capital it’s 3% cash - i’m guessing my funds are holding some cash at the moment? Almost at 6 months cash reserves but this scare is making me reconsider increasing the 6 month mark. I’m not reconsidering adjusting my equity allocation even after seeing my portfolio lose ~30k since I have a ton of time. Maybe I’d have a different perspective if I had a larger portfolio and was closer to retirement.
You shouldn’t retire until your money starts making more money than you made in your best year.
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windaar
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Re: What is your age/AA during this crisis?

Post by windaar »

Age: near 60. AA: 60% TIAA Traditional (fixed annuity), 25% Domestic Equities, 5% Intl Equities, 10% TREA (Real estate). Net Worth 1.5mm.
Nobody knows nothing.
bi0hazard
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Re: What is your age/AA during this crisis?

Post by bi0hazard »

41
50/50
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1789
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Re: What is your age/AA during this crisis?

Post by 1789 »

36 married.

1 year worth of expenses in CA$H. Mentally i don't count this as a part of my portfolio. So 100% stocks
"My conscience wants vegetarianism to win over the world. And my subconscious is yearning for a piece of juicy meat. But what do i want?" (Andrei Tarkovsky)
nix4me
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Re: What is your age/AA during this crisis?

Post by nix4me »

47.
97.6% stocks, 2.4% cash.
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SimpleGift
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Re: What is your age/AA during this crisis?

Post by SimpleGift »

Turkishcoffee wrote: Tue Mar 31, 2020 8:02 pmI think I’m looking to see just how much of a scaredy cat I’ve become. From other posts I’m surprised how highly tilted toward stocks some are by their posts, it without age or more info it’s irrelevant to me.
If it's any help to you, we had a Bogleheads poll back in 2015, in which 217 respondents reported their age and stock/bond allocation. You can find a chart of the final poll results in this post.

As you'll see, the range of allocations at different ages was quite wide, with 30-year olds having from 50%-100% stocks, and 80-year olds from 20%-70% stocks. So you may find that you'll just have to search your own heart to come up with an allocation that suits your personal risk tolerance and circumstances.

PS. Personally, we're in our early 70s and plan to be 50/50 to the end of our days.
Last edited by SimpleGift on Tue Mar 31, 2020 11:20 pm, edited 1 time in total.
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grabiner
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Re: What is your age/AA during this crisis?

Post by grabiner »

Age 52, 88% stock (just rebalanced two weeks ago).
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theorist
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Re: What is your age/AA during this crisis?

Post by theorist »

Age 49, AA 70/30 both before and after crisis.
Normchad
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Re: What is your age/AA during this crisis?

Post by Normchad »

Age 51. 60/35/5.
Ferdinand2014
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Re: What is your age/AA during this crisis?

Post by Ferdinand2014 »

51. 3 years expenses in treasury bills. Rest in S&P 500. Works out to about 90/10. I do not keep an asset allocation percent. About 10-15 years to retirement for me. 20 years for DW. No plans to change.
“You only find out who is swimming naked when the tide goes out.“ — Warren Buffett
JakeyLee
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Re: What is your age/AA during this crisis?

Post by JakeyLee »

49 years old. 100% equities. I'm down to 1.3 years expenses in cash. I made some purchase in the last few weeks according to my plan. If the market keeps moving sideways, my cash fund should move back up. If it goes down further, I will keep deploying the 'ol dry powder. Who we kidding, I never wanted to take that 3 week European vacation, anyway. Win win? :sharebeer
dru808
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Re: What is your age/AA during this crisis?

Post by dru808 »

37, was 70/30, realized the recent drawdown did not phase me one bit and wanted to go 80/20 - 90/10, did not make a rash decision, thought for a week and changed aa to 75/25.
Sptm 65 | Vigi 20 | Blv 10 | Btc/Eth 5
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zaboomafoozarg
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Re: What is your age/AA during this crisis?

Post by zaboomafoozarg »

35, 75% stocks/25% bonds.

Stocks are 60/40 US/Int'l, and within those categories, 60/40 TM/SCV.
rallycap
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Re: What is your age/AA during this crisis?

Post by rallycap »

Age 46 and married. 70/30 before and during COVID-19.
Enterprise D
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Re: What is your age/AA during this crisis?

Post by Enterprise D »

My wife retired and 69 y.o. Our allocation has been 35 stocks, 65 bonds. We have not checked the current allocation and we are not worried about the impact of the market drop. The impact of the pandemic, on the other hand is a matter of concern.
We wish good health to everyone!
tomd37
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Re: What is your age/AA during this crisis?

Post by tomd37 »

Ages 82 and 84, married, have had asset allocation of 40/60 for past twelve years, rebalanced today to get down to that after being 45/55 because of good last twelve months prior to March 2020. Been retired now for 17 years.
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bigfry
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Re: What is your age/AA during this crisis?

Post by bigfry »

We are 27 and 25, married. Asset allocation is a little interesting, technically it's around 80/20 across all my accounts but the reason for that is I actually keep my 6 month emergency fund invested in my taxable account in Vanguard's LifeStrategy Income fund (VASIX). Everything else is invested in either VFIAX or VTWAX. Networth now is around ~80k, nearly broke 100k prior to a new vehicle purchase and the recent covid crash.
100% Total Stock Index | 6 Months Cash | No Debt
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Re: What is your age/AA during this crisis?

Post by Sandtrap »

66
30/70 LMP
(sleep well)

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22twain
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Re: What is your age/AA during this crisis?

Post by 22twain »

Turkishcoffee wrote: Tue Mar 31, 2020 8:02 pm Is anyone willing to share their age, marital status( for net purposes), asset allocation Before and After this crisis, and if willing, their net worth and/or years to retirement?
How about you tell us what YOUR situation is, too? :wink:
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Phineas J. Whoopee
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Re: What is your age/AA during this crisis?

Post by Phineas J. Whoopee »

My age is one day older than it was yesterday. My asset allocation approach does not change during crises. It's built to withstand them. I realize I'm extremely fortunate for the latter to be possible. It took good judgement plus a large degree of undeserved good luck.
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BrownEyedGirl_27
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Re: What is your age/AA during this crisis?

Post by BrownEyedGirl_27 »

98/2 late 20s, married... net worth was $62k, now about $52k, no debt. Checked net worth less than a week ago. I'm not going to check again for awhile.

We like our AA and while we could afford to live on just savings + investments (not counting 401k) for a year, we are finding ways to save up additional emergency funds right now. Preferably not get into of the investments at all, cash is desirable. Then when we're happy with the efund go back to funding taxable.

I am looking for a new job during the current crisis. It won't be easy but I think I will be able to find something that pays better and then hopefully we'll see our net worth significantly increase.
"Your mind has a mind of its own. At the very moment when you are most convinced of your own rationality, you may be feeling rather than thinking your way toward a decision.” | Jason Zweig
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physixfan
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Re: What is your age/AA during this crisis?

Post by physixfan »

30 years old. 40% stocks + 60% long term treasury during most of March. Moved to 50/50 this week.
Gnirk
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Re: What is your age/AA during this crisis?

Post by Gnirk »

I'm 75, and married (DH is 81). I am a conservative investor and retired since Jan 1, 2007. My husband and I have separate portfolios, with different asset allocations and beneficiaries as this is a second marriage. Nearly all of my portfolio is in taxable. My asset allocation was set at 35/55/10 but equities drifted up to over 40% so I rebalanced in December by trading equities in my IRA for bonds. My portfolio today is 31/59/10. I'm one of those who rebalances when my stock allocation is higher than my target, but not when it is lower than my target unless it goes below 20%.

My husband isn't nearly as conservative as I am, though he has a much larger portfolio than I do.

I'm less concerned about my portfolio than I am about us avoiding COVID-19.
TheLaughingCow
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Re: What is your age/AA during this crisis?

Post by TheLaughingCow »

25. 80/20
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geerhardusvos
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Re: What is your age/AA during this crisis?

Post by geerhardusvos »

30, married, young kids, 100% stock AA, current NW is $700k, no debt, $200k/year income
VTSAX and chill
slowbutsteady
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Re: What is your age/AA during this crisis?

Post by slowbutsteady »

47
married with kids
90/10 before
90/10 during (rebalanced)
90/10 after

Have some high yield in the 10.
The tortoise wins every time I read that story.
Ron Ronnerson
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Re: What is your age/AA during this crisis?

Post by Ron Ronnerson »

My wife and I are both 45. Our asset allocation was rough 77/23 before and is now around 5% less in equities. I haven’t rebalanced at this stage as I don’t tinker much unless things are looking really out of whack. Our net worth was around $1.1 million a few weeks ago and is now closer to $1 million. My wife is a stay-at-home parent and I’m planning to retire around age 60 (give or take a year) from a career as a public-school teacher. I'm expecting a pension so that allows us to take some additional risk but I'm not sure I want to necessarily do that as I inch closer to retirement. We were 100% equities four years ago, when I was 20 years from retirement. Now that retirement is 15 years away, we hold bonds too, and that's helped soften the blow to the portfolio a little bit during this crisis.
rixer
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Re: What is your age/AA during this crisis?

Post by rixer »

Retired, 71yo. We're in a balanced fund at 40/60.
carminered2019
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Re: What is your age/AA during this crisis?

Post by carminered2019 »

age: 50 retired, married
Investment account: 52x yearly expenses(down about 42x yearly expenses)
AA: 100% equities, 2 years CD
100% equities last 25 years until I die.
debt: Zero
chuckb84
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Re: What is your age/AA during this crisis?

Post by chuckb84 »

Haven't changed a thing during the stock drop.

Age 65, retired 5 years.
60/40 in a simple 3 fund portfolio 48/12/40 VTSAX/VTIAX/VBTLX
SS+pension covers essential expenses.

I lose sleep over coronavirus, but not my AA.
bantam222
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Re: What is your age/AA during this crisis?

Post by bantam222 »

28 years old - 100% stocks

Net worth was up to around 880k and currently at 710k

:beer
Topic Author
Turkishcoffee
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Re: What is your age/AA during this crisis?

Post by Turkishcoffee »

22twain wrote: Tue Mar 31, 2020 11:20 pm
Turkishcoffee wrote: Tue Mar 31, 2020 8:02 pm Is anyone willing to share their age, marital status( for net purposes), asset allocation Before and After this crisis, and if willing, their net worth and/or years to retirement?
How about you tell us what YOUR situation is, too? :wink:
Had 3.2, now have 2.7 and have drifted to 58/32/10. Married and hope to retire in 6-7 years when we are 57 or 58. Not as likely now unless we take some more equity risk.
El_Fuerte
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Re: What is your age/AA during this crisis?

Post by El_Fuerte »

Just finished my first portfolio yesterday after reading little book of common sense, Bogleheads guide book, reading through this website and a little bit of reddit.

I turned 26 two weeks ago!

Stock 85%
Bonds 12%
Other 3%
AK_Kiter
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Re: What is your age/AA during this crisis?

Post by AK_Kiter »

33yo and married. DW and I have a 1-year emergency fund (trying to pay down the home mortgage) and an AA of 70/30 stocks/bonds. Following some advice I saw here, we had half the bonds in LTT, although we have been rebalancing out of that over the past week.

While this market drop has been severe, I think the AA is perfect for us. Of far greater concern is one or both of us losing our jobs (in a market that is hit significantly by this downturn).
Rotsevni
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Re: What is your age/AA during this crisis?

Post by Rotsevni »

26 years with an AA of 75/25. I didn't change my AA so far but bought more stocks with the cash I had so i'm still 75/25.
Compared to other I seem a bit too conservative, especially since i'm still in the accumulating phase
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SpartanFan
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Re: What is your age/AA during this crisis?

Post by SpartanFan »

Age 69, retired in 2008

40/60
"There's a crack in everything, that's how the light gets in" - Leonard Cohen (RIP)
student
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Re: What is your age/AA during this crisis?

Post by student »

53, using 115-age for stock allocation. I have not rebalanced yet. It is now about 6% point lower than the target.
MathWizard
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Re: What is your age/AA during this crisis?

Post by MathWizard »

age 62 ; married ; no debt

50/50 pre crash after decades of 100% equities.

Have not rebalanced yet.
Last edited by MathWizard on Wed Apr 01, 2020 8:12 am, edited 2 times in total.
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oldcomputerguy
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Re: What is your age/AA during this crisis?

Post by oldcomputerguy »

Age 64, wife is 61, both in retirement. Asset allocation was 55/45 before the market decline, it's 55/45 still. The decline caused our AA to hit a rebalance trigger point (equities had declined), so I sold some bonds and bought equities to rebalance back to 55/45. Although I have in the past made changes to our AA due to changes in life situation (getting older and entering retirement being the main one), I don't change AA because of what the market is doing.

Now, if this decline makes you lose sleep over the risk you're carrying, that might be a good sign that your AA is too risky for you and is not one you can live with through thick and thin, which would be a valid reason for re-evaluating and perhaps making a change.
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Sheepdog
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Re: What is your age/AA during this crisis?

Post by Sheepdog »

Age 86, spouse 80
27 Stock, 68 bond, 5MM
All that truly matters in the end is that you loved.
retiringtype
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Re: What is your age/AA during this crisis?

Post by retiringtype »

Age 64, semi-retired (do occasional freelance work for spending money and to keep busy).

Prior allocation: 40 stocks/60 bonds, cash. Haven't looked at where I am now. But I have to transfer some money from my VG money market to my checking account soon, so I'll have to bite the bullet at take a gander.

In all candor, I now wish I had been 30/70 or even a bit more conservative. I had won the game, as they say. Didn't really need to take much risk.
Call_Me_Op
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Re: What is your age/AA during this crisis?

Post by Call_Me_Op »

Sheepdog wrote: Wed Apr 01, 2020 8:10 am Age 86, spouse 80
27 Stock, 68 bond, 5MM
Hi Sheepdog,

Out of curiosity, what was your AA back in 2008 when you made the famous post?
Best regards, -Op | | "In the middle of difficulty lies opportunity." Einstein
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