What is your age/AA during this crisis?

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.
Candor
Posts: 358
Joined: Sat May 28, 2011 4:25 pm

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

Post by Candor »

52 and single. Was approx 52/24/24 and currently 52/20/28 equities/bonds/cd's and ibonds . 1.2m NW. Plan to retire in 2 years. No Debt, no pension.

I intend to increase equities from bonds if the market continues to fall and if the market declines >50% I will move most if not all of the bonds to equities and not rebalance on the way up until we reach new highs. I will not touch the cd's/ibonds.
Last edited by Candor on Thu Apr 02, 2020 8:25 am, edited 1 time in total.
Time is your friend, impulse is your enemy. - John C. Bogle
beth65
Posts: 166
Joined: Mon May 08, 2017 1:51 pm

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

Post by beth65 »

39, married w/two young kids. 22% bonds, 45% equities, 33% cash (emergency fund)
ginrummy
Posts: 59
Joined: Sat Feb 24, 2018 6:26 pm
Location: Pacific NW

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

Post by ginrummy »

49, divorced, no kids, no debt. Currently have three portfolios/bucket.
Bucket 1 - Taxable Acct - 50/25/25
Bucket 2 - in 10 years IRA - 30/55/15(alts) (Dalio All Weather)
Bucket 3 - 20 years out - 80/20 (Vanguard Annuities)

Overall it puts me at about 50/50.

Taxable has 7x spending in cash and cds. Looking to raise equity exposure if S&P begins to dip below 2000. Was 70/30 before crisis.
Last edited by ginrummy on Wed Apr 01, 2020 8:00 pm, edited 1 time in total.
printer86
Posts: 220
Joined: Mon Apr 25, 2016 8:45 am

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

Post by printer86 »

We are a single income household, both in our mid 50's. We temporarily reached our FI goal in February. Based on reaching that milestone, I intended to announce my retirement plans sometime this spring. However, with the recent pullback, I decided keep that secret to myself and continue doing my job for the time being.

For the life of me, I can't mentally combine my two buckets because they have two distinct purposes. Below are my buckets In reverse order:

Bucket 2: Tax Deferred Accounts.

Primarily invested in Vanguard's Wellington Fund (actively managed at about 65/35). I do not plan to access these funds for about more 9 years in order to meet ACA income limits during early retirement (pre 65yo). With the recent pullback, these funds are now only 85% of my goal FI level. I will continue contributing as long as I am working and hope they bounce back by the time I need them.

Bucket 1: Taxable Accounts.

We have about 10 years of basic and discretionary spending (or 15 years of just basic spending) in various accounts allocated at 30% stocks and 70% cash. These funds are to be used for whenever I stop working and as a bridge to the when we begin to draw from our tax deferred accounts and my small pension @65yo, and then our Social Security funds at @70yo.

Having 7+ years of cash seems silly, but with my desire to retire early and the current market turmoil, I just can't get myself to risk this money right now.
renue74
Posts: 1874
Joined: Tue Apr 07, 2015 7:24 pm

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

Post by renue74 »

Age 45 (wife 50).

Before 61/39
Now 55/45
Portfolio: $1.175M

We've rebalanced some $ back into stocks and have added new $ to stocks. 40% of our net worth is in paid-off rental properties and seller finance notes we own. Any extra $ from operations goes into our portfolio.

Estimate part time retirement when I'm 55.
Catrin
Posts: 2
Joined: Mon Mar 09, 2020 11:43 pm

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

Post by Catrin »

43
95/5
User avatar
calvin+hobbes
Posts: 219
Joined: Thu Jan 16, 2020 9:37 pm

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

Post by calvin+hobbes »

Age: 32, Married. Two kids.
Portfolio: 85/15.
EF: 6 months expenses.
Hoping to reach FI (30x annual expenses by 40).
I've rebalanced and bought more stocks a couple of times since the market started tanking. Have tax loss harvested about 20k as well.
As a younger accumulator, I haven't been spooked by the portfolio changes as much as by job security and decreased wages.
March2009
Posts: 70
Joined: Sat Mar 21, 2020 7:04 pm

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

Post by March2009 »

Age 51

Before the Crisis: 51% stocks / 49% Fixed Income

I will rebalance it in January.
In bear markets, stocks return to their rightful owners. - J.P. Morgan
Dennisl
Posts: 182
Joined: Sun Jun 09, 2019 1:46 pm

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

Post by Dennisl »

39, married with 2 young kids. Overbalanced from 60/40 to 70/30.
razorbacker
Posts: 42
Joined: Tue Feb 25, 2020 11:04 pm

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

Post by razorbacker »

age 66, wife 60
retire in 5-6 years
stocks 60/40 before and now
portfolio $1.1M
hirlaw
Posts: 382
Joined: Tue Sep 29, 2009 10:20 am

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

Post by hirlaw »

Age 63, wife is 65, both retired. Prior to the downturn, we were 38% stocks, 62% bonds/cash. We are now about 29%/71%.

I haven't rebalanced yet, but have changed dividend distributions to reinvest, rather than cash payments.
BogleBoogie
Posts: 705
Joined: Tue May 13, 2014 11:15 am
Location: AK

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

Post by BogleBoogie »

40

Was 60/40 pre-crisis

Recognizing my willingness to take on risk and maybe buying (timing attempt) opportunities I've switched to...

80/20 now.
gamboolman
Posts: 143
Joined: Mon Feb 17, 2014 7:32 am

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

Post by gamboolman »

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 am Nearing 61 and ms gamboolgal is chasing me at at 59
Net Worth is ~$4M
Had planned to retire 1-Jan-20 but deferred retirement for several reasons.
Now planning to work abit longer till things calm down abit
Probably retire this year or next at latest. Starting to buy more of our stock index fund to ease the AA back towards target
Good to be working and able to do this

Asset Allocation 1-Jan-20
% Stocks 45%
% Bonds 43%
% Cash 12%

Asset Allocation 2-Apr-20
% Stocks 31%
% Bonds 54%
% Cash 15%
Nupey03
Posts: 37
Joined: Tue Dec 03, 2019 5:12 pm
Location: New York City

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

Post by Nupey03 »

34; Married w/ no kids. AA is 92.5% Equities / 7.5% Fixed Income - no changes to-date vs. pre COVID-19... throwing any incoming cash into the market real-time...
bernie
Posts: 35
Joined: Mon Dec 15, 2008 7:37 pm

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

Post by bernie »

58/wife 56. AA before 50/50. After same. NW low 8 figures. Retire in 4 years. Sold business 4 months ago and staying on as employee with reduced hours for 4 years. Have taken advantage of TLHing as will have large cap gain 2020.
dreamrrr
Posts: 52
Joined: Thu Nov 12, 2015 6:47 pm

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

Post by dreamrrr »

age 65, single
aa before 65% stock/35% stable value
aa today 61% stock/39% stable value
plan to rebalance back to 65/35
been retired for 6 years, not drawing anything from my portfolio
MarkBarb
Posts: 563
Joined: Mon Aug 03, 2009 11:59 am

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

Post by MarkBarb »

Age 54. Recently retired. Married. Wife aged 55, also retired. Net Worth (not including Social Security) is greater than 40x annual expenses. No debts.

Before the crisis, we were roughly 45% bonds, 5% cash equivalents, 35% US Stocks and 15% Intl Stocks. At this point in the crisis, we are roughly 45% bonds, 5% cash equivalents, 35% US Stocks, and 15% Intl Stocks.
Ron Ronnerson
Posts: 1902
Joined: Sat Oct 26, 2013 6:53 pm
Location: Bay Area

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

Post by Ron Ronnerson »

9-5 Suited wrote: Wed Apr 01, 2020 1:35 pm
Ron Ronnerson wrote: Wed Apr 01, 2020 12:09 am 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.
How did you lose only 10% of your net worth with a 77% equity allocation? Is your home a large portion of the net worth? Are all the bonds long term treasuries?
Yes, our home is about half of our net worth. I also contributed $5k into retirement accounts the day that I made the post (it was pay day), though that is only a relatively small part of the reason.
User avatar
SimpleGift
Posts: 3869
Joined: Tue Feb 08, 2011 3:45 pm
Location: Central Oregon

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

Post by SimpleGift »

Now that we have 100 respondents to this poll, thought it might be helpful to chart the results so far:
  • Image
    Notes: n = 100. Chart shows "before crisis" stock allocation. Average age shown for couples.
As in previous Forum polls on this question, about all we can say is that Bogleheads tend to observe a declining glide path of stock allocation as they age — but with quite a large variation from the trend line!
Topic Author
Turkishcoffee
Posts: 48
Joined: Sat May 25, 2019 5:16 pm

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

Post by Turkishcoffee »

dreamrrr wrote: Thu Apr 02, 2020 10:33 am age 65, single
aa before 65% stock/35% stable value
aa today 61% stock/39% stable value
plan to rebalance back to 65/35
been retired for 6 years, not drawing anything from my portfolio
Just curious, some would consider that an aggressive equity position (not judging), is there a pension if you don’t mind me asking?
CT-Scott
Posts: 464
Joined: Sun Feb 22, 2015 3:01 pm

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

Post by CT-Scott »

Age: 48 (wife is 54)

Years until retirement: I don't plan to ever fully retire, but rather have one or more sources of supplementary income. Part of me would love to quit "working for the man" within 5 years to restart my own business, but so long as my current company is paying me well and I don't hate it, I'm in no hurry.

Combined:

Net worth: about $1.4M

AA before crisis: About 85% stock / 15% bonds or cash
AA for now: 100% cash (or Stable Value funds)

The vast majority of it was sold/moved on 2/27, but stock in some smaller accounts was sold later.
Last edited by CT-Scott on Thu Apr 02, 2020 3:46 pm, edited 4 times in total.
austin757
Posts: 199
Joined: Wed Jun 06, 2018 11:48 am

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

Post by austin757 »

Age 25/ 100% stocks (mostly VTI).
CT-Scott
Posts: 464
Joined: Sun Feb 22, 2015 3:01 pm

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

Post by CT-Scott »

Turkishcoffee wrote: Thu Apr 02, 2020 1:13 pm
dreamrrr wrote: Thu Apr 02, 2020 10:33 am age 65, single
aa before 65% stock/35% stable value
aa today 61% stock/39% stable value
plan to rebalance back to 65/35
been retired for 6 years, not drawing anything from my portfolio
Just curious, some would consider that an aggressive equity position (not judging), is there a pension if you don’t mind me asking?
As far as the aggressiveness of it, dreamrrr didn't mention his net worth. Depending on that and his (or her?) living expenses, that Stable Value fund could be ample enough. What I *would* be curious about, though, is the answer to your question about whether he has a pension, since he indicated that he wasn't drawing anything from his portfolio.
singledigit12b
Posts: 12
Joined: Tue Feb 17, 2015 9:56 pm

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

Post by singledigit12b »

59 retired
Single
33/67 stock/bond,cd,mm
Next rebalance date 6/01/20
Visitor76
Posts: 18
Joined: Tue Mar 17, 2020 7:08 am

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

Post by Visitor76 »

Marital status: Married with two small kids

Age: 43, wife 49 - is currently a stay-at-home mom and full time student pursuing a career change.

AA:
Pre-crisis 80% stocks 13% bonds 7% cash

Currently 70% stocks 16% bonds 14% cash - will most likely stick with this allocation as it fits with my current situation and outlook.

Have a VTSAX account currently sitting on the sidelines until the market rebounds. In the meantime I have reallocated funds slated for the VTSAX to add to our Emergency Fund.
User avatar
HomerJ
Posts: 15741
Joined: Fri Jun 06, 2008 12:50 pm

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

Post by HomerJ »

Turkishcoffee wrote: Thu Apr 02, 2020 1:13 pm
dreamrrr wrote: Thu Apr 02, 2020 10:33 am age 65, single
aa before 65% stock/35% stable value
aa today 61% stock/39% stable value
plan to rebalance back to 65/35
been retired for 6 years, not drawing anything from my portfolio
Just curious, some would consider that an aggressive equity position (not judging), is there a pension if you don’t mind me asking?
If he's not drawing from his portfolio for 6 years, then it doesn't matter what he invests in.

He obviously has a pension or some other source of income.
A Goldman Sachs associate provided a variety of detailed explanations, but then offered a caveat, “If I’m being dead-### honest, though, nobody knows what’s really going on.”
SEAworld9
Posts: 156
Joined: Fri Jun 23, 2017 10:13 am

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

Post by SEAworld9 »

36, single for tax purposes (we’re getting married later this year), 85/15.
Dick D
Posts: 179
Joined: Sat Jun 16, 2007 8:55 am
Location: North Carolina

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

Post by Dick D »

We are 74 - 30/70 and are increasing our stock allocation about 2 percent a year as we age and rebalance as needed to maintain that allocation. The current situation changes nothing - using the 3 fund portfolio.
Rwsawbones
Posts: 133
Joined: Fri Jan 20, 2017 11:21 pm

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

Post by Rwsawbones »

79 DW also 79. 40% equity funds. 60% fixed income and cash equivalents. More than 10 years of needs in short term treasury funds and money market funds. Before current sell off was 44% equities and 56% fixed income and cash equivalents. I continue to work as a physician.

The sell off 2008-9 and up until about 2015 was my last great opportunity to shovel money into equity funds The current sell off is not an opportunity for me but is an opportunity for my adult children.
User avatar
galeno
Posts: 2148
Joined: Fri Dec 21, 2007 12:06 pm

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

Post by galeno »

Ages 62/62.

Started year at 40/60. BEAR took US to 35/65. Over rebalanced to 45/55.

We will over rebalance to 50/50 in January.
KISS & STC.
User avatar
KEotSK66
Posts: 364
Joined: Wed Mar 11, 2020 7:03 pm

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

Post by KEotSK66 »

66

:moneybag / :moneybag :moneybag

:sharebeer
"i just got fluctuated out of $1,500", jerry
dreamrrr
Posts: 52
Joined: Thu Nov 12, 2015 6:47 pm

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

Post by dreamrrr »

Turkishcoffee wrote: Thu Apr 02, 2020 1:13 pm
dreamrrr wrote: Thu Apr 02, 2020 10:33 am age 65, single
aa before 65% stock/35% stable value
aa today 61% stock/39% stable value
plan to rebalance back to 65/35
been retired for 6 years, not drawing anything from my portfolio
Just curious, some would consider that an aggressive equity position (not judging), is there a pension if you don’t mind me asking?
Pension plus social security provide more than I spend each month. Pension is for living expenses/taxes and SS is currently being invested in equities.
dreamrrr
Posts: 52
Joined: Thu Nov 12, 2015 6:47 pm

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

Post by dreamrrr »

CT-Scott wrote: Thu Apr 02, 2020 3:45 pm
Turkishcoffee wrote: Thu Apr 02, 2020 1:13 pm
dreamrrr wrote: Thu Apr 02, 2020 10:33 am age 65, single
aa before 65% stock/35% stable value
aa today 61% stock/39% stable value
plan to rebalance back to 65/35
been retired for 6 years, not drawing anything from my portfolio
Just curious, some would consider that an aggressive equity position (not judging), is there a pension if you don’t mind me asking?
As far as the aggressiveness of it, dreamrrr didn't mention his net worth. Depending on that and his (or her?) living expenses, that Stable Value fund could be ample enough. What I *would* be curious about, though, is the answer to your question about whether he has a pension, since he indicated that he wasn't drawing anything from his portfolio.
Investable portfolio was at 1.5mm, now down to 1.25mm. NW doesn't include my home or possessions.
ValuationsMatter
Posts: 357
Joined: Mon Mar 09, 2020 2:12 am

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

Post by ValuationsMatter »

SimpleGift wrote: Thu Apr 02, 2020 11:59 am Now that we have 100 respondents to this poll, thought it might be helpful to chart the results so far:
  • Image
    Notes: n = 100. Chart shows "before crisis" stock allocation. Average age shown for couples.
As in previous Forum polls on this question, about all we can say is that Bogleheads tend to observe a declining glide path of stock allocation as they age — but with quite a large variation from the trend line!
Perhaps you misplaced me. I was 3/97 before the crisis. Age 38. Avoiding outliers or is this B&H investors only?
User avatar
SimpleGift
Posts: 3869
Joined: Tue Feb 08, 2011 3:45 pm
Location: Central Oregon

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

Post by SimpleGift »

ValuationsMatter wrote: Fri Apr 03, 2020 1:05 am Perhaps you misplaced me. I was 3/97 before the crisis. Age 38. Avoiding outliers or is this B&H investors only?
Didn't miss you, just couldn't make head-nor-tails of your asset allocation. Not sure you qualify as a "buy-hold-rebalancer"!
ValuationsMatter wrote: Wed Apr 01, 2020 1:41 pm FEB08: 100/0
17OCT18: 0/100
21DEC18: 100/0
16APR19: 60/40
27DEC19: 3/97 (short term taxable gains remaining only)
09MAR20: 20/80
16MAR20: 30/70
18MAR20: 50/50
01APR20: ~70/30
softmax
Posts: 173
Joined: Tue Feb 04, 2020 1:27 am

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

Post by softmax »

28 yo.

Not counting cash/EF, I'm now 90/10.
ValuationsMatter
Posts: 357
Joined: Mon Mar 09, 2020 2:12 am

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

Post by ValuationsMatter »

SimpleGift wrote: Fri Apr 03, 2020 1:33 am
Didn't miss you, just couldn't make head-nor-tails of your asset allocation. Not sure you qualify as a "buy-hold-rebalancer"!
Ok. You're right. I've been timing since 2018.
hudson
Posts: 3567
Joined: Fri Apr 06, 2007 9:15 am

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

Post by hudson »

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.
72 married/retired
0-10-90 = Zero Stocks/10% Munis/90% CDs before and after this crisis
I've been pretty much zero equities since 2008.
bo105954027
Posts: 119
Joined: Wed Mar 30, 2016 4:00 pm

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

Post by bo105954027 »

32yo, almost all in stock, have lost a Lexus RX450 worth value so far... :(
Time in market beats timing the market.
Post Reply