What is your age and asset allocation ?

poppa23 · Post by **poppa23** » Mon Aug 31, 2020 11:06 pm

im currently looking at my AA. Going over this past year and reviewing my reactions to the ups and downs. Im prob way to conservative for my 60 years of age. Im currently 68% Fixed, 20% Equity and 12% cash. I dont mind being somewhat conservative in that financially im well off and I know its an individual "comfort, sleep at night " thing.. But.. still curious how people are deciding whats right for them...Thanks..

eye.surgeon · Post by **eye.surgeon** » Mon Aug 31, 2020 11:42 pm

51 yrs old, 78% equities 22% bonds. Retirement in 15-18 years. Basically I am following the Vanguard asset allocation for target date fund 2035-2040 but doing it myself. And yes your asset allocation is extremely conservative even for retirement.

HomerJ · Post by **HomerJ** » Mon Aug 31, 2020 11:57 pm

I am 51. Wife is 59.

I will retire in 0-4 years. Wife will retire (again) in 0-4 weeks.

Currently 45/55 stocks/bonds.

Was 66/33 in 2008, discovered that was too aggressive for us (but we never sold during the crash - see my join date - thanks Bogleheads!), went to 50/50 around 2010-2011, and 45/55 beginning of 2020 (before Covid was on the radar)

Will stick with 45/55 or 40/60 until wife starts collecting Social Security, then may move back to 50/50.

Regatta03 · Post by **Regatta03** » Tue Sep 01, 2020 12:22 am

34 (wife same age); we are 100% equities — or 95% / 5% if including emergency fund.

brad.clarkston · Post by **brad.clarkston** » Tue Sep 01, 2020 12:27 am

Age: 49

AA: 60% US equities / 20% Int equities / 20% Bonds.

I've started cutting back from 30% Int (10% to up Bonds to 20%) and removing REIT from my IRA (it's in the ROTH now).

Johm221122 · Post by **Johm221122** » Tue Sep 01, 2020 1:34 am

50 years old
60\40 with 25% of stocks in international and a small\mid cap tilt.

TierArtz · Post by **TierArtz** » Tue Sep 01, 2020 1:46 am

Almost 59 and still working. My AA is set by having 20 years expenses beyond pension in bonds/cash (31%) and the rest in equities (69% and 40% of that international).

2tall4economy · Post by **2tall4economy** » Tue Sep 01, 2020 2:42 am

44.

75% stock market - 100% equities
25% real estate rentals

22twain · Post by **22twain** » Tue Sep 01, 2020 3:06 am

Me: age 66 and retired; 55% stock and 45% fixed income (including cash).
DW: age 71 and retired; 21% stock and 79% fixed income (including cash).

Combined: 35% stock and 65% FI.

Chris K Jones · Post by **Chris K Jones** » Tue Sep 01, 2020 3:18 am

62 years old
48% US stocks, 12% international stocks, 40% US fixed income.

Best wishes

Hastur · Post by **Hastur** » Tue Sep 01, 2020 3:37 am

35 y.o. 100% stocks excluding emergency fund (then 75/25)

McGilicutty · Post by **McGilicutty** » Tue Sep 01, 2020 4:08 am

48 yo, 82% stock indices (voo, spy, vti), 15% individual stocks, 3% cash, no fixed income

tyrnup13 · Post by **tyrnup13** » Tue Sep 01, 2020 4:58 am

Age 44; 40% US equities 27% international equities and 33% bonds

dogagility · Post by **dogagility** » Tue Sep 01, 2020 5:00 am

low/mid 50s couple 79% equities and 21% bonds (80:20 target)

Always been aggressive, stay the coursers. We were 100% equities until a couple of years ago.

EF has varied between 2-3 months expenses but significant severance would be forthcoming if I was laid off

WannabeBogleHead01 · Post by **WannabeBogleHead01** » Tue Sep 01, 2020 5:12 am

51 and 49. 70/30 for 4 or 5 more years, then 60/40.

McDougal · Post by **McDougal** » Tue Sep 01, 2020 5:17 am

64 and 59 here, still working. We were 90/10 for a long time and went to 60/40 couple years ago, probably forever.

JoeNJ28 · Post by **JoeNJ28** » Tue Sep 01, 2020 5:18 am

Age 30 100% stocks, 85% US, 15% Internafional

invest4 · Post by **invest4** » Tue Sep 01, 2020 5:32 am

Age: 48
AA: 60/40 stocks and bonds. 20% international.

Invested in bonds for first time beginning in 2019.

Current expectation is to retain this allocation for the foreseeable future.

Outer Marker · Post by **Outer Marker** » Tue Sep 01, 2020 5:36 am

54 and 70/30 forever. One caveat - I will cash out enough to pay off the outstanding mortgage at 64, one year before retirement, which will make my overall risk profile lower. At that point, I will have 5 years left on a 15. I have two teen daughters and a younger spouse, so I am investing not only for my time horizon, but theirs as well.

Monster99 · Post by **Monster99** » Tue Sep 01, 2020 6:20 am

64 and DW 66 - no debt and currently 35% stock, 62% bonds and 3% cash. Gliding up to 50/49/1 when we both are on SS.

rkhusky · Post by **rkhusky** » Tue Sep 01, 2020 6:28 am

Currently, age+4 in bonds, but it's a static allocation and will slowly change. Doing a bond umbrella in early retirement.

mindboggling · Post by **mindboggling** » Tue Sep 01, 2020 6:33 am

67, retired. 30% stocks, 70% fixed income. Stocks 20% international. Fixed income is total bond index, short-term TIPS, I-bonds, high-yield(?) savings accounts.

student · Post by **student** » Tue Sep 01, 2020 6:34 am

54

45% US, 16% International, 32% bonds/bonds-like (almost all stable value), 7% cash

theorist · Post by **theorist** » Tue Sep 01, 2020 6:41 am

50 years old.

Currently 70% stocks and 30% bonds; have thought about moving to 75/25 but will likely hold at 70/30 for foreseeable future.

About 35% of stocks are international.

Wanderingwheelz · Post by **Wanderingwheelz** » Tue Sep 01, 2020 6:46 am

Me 49/Wife 45.

65% equities (split 75%US/25%Intl) 35% Total Bond. Plan is to rebalance to 60%/40% at 50.

@ 40x fixed expenses saved, and no debt, including home.

FlatSix · Post by **FlatSix** » Tue Sep 01, 2020 6:50 am

I like this thread as it’s helpful to see the different approaches and glide paths for middle and late career posters.

33yo. 90/10 in the portfolio, or 83/17 if including emergency fund.

tennisplyr · Post by **tennisplyr** » Tue Sep 01, 2020 6:57 am

poppa23 wrote: ↑Mon Aug 31, 2020 11:06 pm im currently looking at my AA. Going over this past year and reviewing my reactions to the ups and downs. Im prob way to conservative for my 60 years of age. Im currently 68% Fixed, 20% Equity and 12% cash. I dont mind being somewhat conservative in that financially im well off and I know its an individual "comfort, sleep at night " thing.. But.. still curious how people are deciding whats right for them...Thanks..

I believe there's a general rule of thumb, and that's all it is, that your minimum equity level at any age is 30%. I'm at 45/55 and retired 9 years.

student · Post by **student** » Tue Sep 01, 2020 6:59 am

rkhusky wrote: ↑Tue Sep 01, 2020 6:28 am Currently, age+4 in bonds, but it's a static allocation and will slowly change. Doing a bond umbrella in early retirement.

What is a bond umbrella?

dcabler · Post by **dcabler** » Tue Sep 01, 2020 7:00 am

Age 59, Wife 60.
Main Portfolio is 60/40
Besides that, we have a TIPs/Ibond ladder set up to last 15 years, starting at age 70 to supplement Social Security, after which we'll consider a SPIA to carry us the rest of the way.

Because of the TIPs/Ibond ladder, we are considering bringing the Main Portfolio up to 65-70% stocks at some point in the future.

Cheers.

dcabler · Post by **dcabler** » Tue Sep 01, 2020 7:01 am

student wrote: ↑Tue Sep 01, 2020 6:59 am
rkhusky wrote: ↑Tue Sep 01, 2020 6:28 am Currently, age+4 in bonds, but it's a static allocation and will slowly change. Doing a bond umbrella in early retirement.
What is a bond umbrella?

Sounds like a bond tent, but maybe it's rounded.

Ramjet · Post by **Ramjet** » Tue Sep 01, 2020 7:02 am

I'm 36 and my wife is 29, we are 100/0 which does not include a sizable cash EM

hcs77135 · Post by **hcs77135** » Tue Sep 01, 2020 7:04 am

56 years old and plan to work another 7 years. 70% equity, 30% bonds (intermediate investment grade and short-term investment grade). Equity is split 70/30 domestic/international (Total Stock Market and Total Int'l Stock Market.). I was 80/20 until I was about 50. I plan to ratchet down the equity 1% per year over the next 10 years and probably keep it at 60/40.

LarryCarell · Post by **LarryCarell** » Tue Sep 01, 2020 7:05 am

Just started investing a month ago from my inheritance on a monthly basis.
25% US total stocks 25% international total stocks and 50% short term corporate us bonds.

After covid will switch to 65% stocks 35% bonds

I am 30 years old.

treadingwater · Post by **treadingwater** » Tue Sep 01, 2020 7:08 am

54 and 52. retired 54/46 drifting up to 60/40 which we plan to hold through retirement.

Silverado · Post by **Silverado** » Tue Sep 01, 2020 7:15 am

49/43 couple, we are around 83 stocks / 17 bonds. Target is closer to 80/20 and once some dust settles at work for both of us at work and we know what the next couple years look like, we will start a glide towards 60/40. We have a so-so pension that will come close to covering half expenses if we wait until 67 to start drawing.

About 20% of our stocks are in taxable, and that will grow over the next few years as we put more into taxable than tax deferred. So I feel pretty good about bridging the gap from early-ish retirement to drawing pension to drawing social security.

We are pretty aggressive, but our history is positive during downturns of not taking any action besides buying stocks non stop.

Swansea · Post by **Swansea** » Tue Sep 01, 2020 7:16 am

Age 72, 60 stock 40 bond/cash

JimmyJammy · Post by **JimmyJammy** » Tue Sep 01, 2020 7:18 am

44

60% US, 20% foreign, 12% bond, 8% cash

Tourne · Post by **Tourne** » Tue Sep 01, 2020 7:36 am

45/43 couple. 70% stocks/30% bonds, with the stocks split 62/38 US/International. 1 year living expenses in our emergency fund. We plan to retire in 5-10 years depending on how the health insurance situation evolves in the US. Our IPS calls for a glide to 60/40 at the time of retirement, then a return to 70/30 for legacy/charitable giving purposes once I start drawing my pension.

student · Post by **student** » Tue Sep 01, 2020 7:47 am

dcabler wrote: ↑Tue Sep 01, 2020 7:01 am
student wrote: ↑Tue Sep 01, 2020 6:59 am
rkhusky wrote: ↑Tue Sep 01, 2020 6:28 am Currently, age+4 in bonds, but it's a static allocation and will slowly change. Doing a bond umbrella in early retirement.
What is a bond umbrella?
Sounds like a bond tent, but maybe it's rounded.

Thanks.

mak1277 · Post by **mak1277** » Tue Sep 01, 2020 8:08 am

Age - 43

Cash - 11%
Equities - 55%
Bonds - 34%

My aim is for invested assets to be at 60/40, and as of 8/31 they're at 61/39, so pretty close to what I want. Right now my invested assets exceed my "retirement number" for a 3% withdrawal rate, so I'm not overly concerned about my cash position (although it is higher than my LT plan). I would have retired earlier this year if not for some family medical issues.

smitcat · Post by **smitcat** » Tue Sep 01, 2020 8:11 am

About 60.
Our target is to hold 70/30.

poker27 · Post by **poker27** » Tue Sep 01, 2020 8:22 am

34yo. 75/25, probably 70/30 if I count my EF.

Economy makes me want to buy more bonds, interest rates makes me want to buy stocks.

nix4me · Post by **nix4me** » Tue Sep 01, 2020 8:23 am

48 years old

Stocks - 97% (no international)
REIT - 0.5%
Bond - 0.5%
Cash - 2%

Coltrane75 · Post by **Coltrane75** » Tue Sep 01, 2020 8:24 am

I'm 44.
Asset Allocation for long-term investments is 60% Stocks 40% Bonds. The stocks are roughly globally weighted per VTWAX. The bonds are weighted US vs Intl according to Target date funds.

Mr.Chlorine · Post by **Mr.Chlorine** » Tue Sep 01, 2020 8:29 am

25 - 93/7 but looking to go 100/0 + cash emergency fund.

ccf · Post by **ccf** » Tue Sep 01, 2020 8:39 am

43 years old. Married, no pensions.

70% stocks / 30% bonds

2/3rds of this in a Vanguard Target date and my international component (for my entire portfolio) is whatever Vanguard has in there.

My personal taxable is 75/25 and my overall AA adjusts itself slowly as the target date fund glides.

fuddbogle · Post by **fuddbogle** » Tue Sep 01, 2020 8:40 am

Ages: soon to be 52/53 - no debt.

80/20 - most of the 20% is in CD's or HYSA (misnomer).

Once retired (planning 59.5) pensions and farmland income will fully meet our spending needs.

The 80/20 portion will only be needed for discretionary spending so we are being somewhat aggressive with this portion.

Sandtrap · Post by **Sandtrap** » Tue Sep 01, 2020 8:50 am

We are 65+ Retired
*What works for us so far.
Allocation 35/55/10 (index only)
Hybrid LMP Per Bernstein
Assets diversified (R/E) outside of the market as well.

Pluses:
Sleep factor
De-risking, minimizing volatility (choice of underlying funds)
No pensions so this structure works
Low fund costs
Long term hold with minimal rebalancing = less stress
Zero debt

j

AstroJohn · Post by **AstroJohn** » Tue Sep 01, 2020 8:51 am

Ages: Both of us are 70 and fully retired.

50% stocks, 7% of which is international, 48% bonds, 2% cash. More or less following Otar's advice that at 50/50 you can't go too far wrong. Pensions and Social Security meet all our expenses.

cadreamer2015 · Post by **cadreamer2015** » Tue Sep 01, 2020 9:07 am

68 years old

52% equities (of which 30% international)
43% fixed income
5% cash equivalents