What is your age and asset allocation ?

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sandan
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Joined: Wed Apr 03, 2013 12:48 pm

Re: What is your age and asset allocation ?

Post by sandan »

40 yo.

never below 50% equity but always within 5%. I guess the only time I will start dipping below 50% is around the age of 60-65 when I start buying one time annuities. fwiw, I don't really believe there is much of an equity premium, just equity tax breaks.
prairieman
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Re: What is your age and asset allocation ?

Post by prairieman »

62 with a Floating AA - Currently around 62% equities and 38% bonds and cash (not counting SS and Pension). I plan to increase my equities percentage gradually upward in proportion to age (e.g. to 80 % equities at 80).
“As long as the roots are not severed, all is well.” Chauncey Gardner
prairieman
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Re: What is your age and asset allocation ?

Post by prairieman »

dogagility wrote: Wed Sep 02, 2020 12:02 pm As a data person, I compiled the %equities across all of the people posting so far in this thread and made a graph. I don't have rights to post images on this site, otherwise I would share the graph.

Putting responses into different age buckets, here is the median percentage allocated to equities of each age group.

20-29: 90
30-39: 90
40-49: 73
50-59: 70
60-69: 53
70-79: 50
80-90: 40
I don’t quite get this. It seems that nearing the end of one’s life span should enable the taking on of more risk.... a parabola effect. I suppose it depends on personality and portfolio size, though.
“As long as the roots are not severed, all is well.” Chauncey Gardner
Exodus
Posts: 49
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Re: What is your age and asset allocation ?

Post by Exodus »

Age 30
AA: 100% Equities (excluding e-fund)

Exodus
The outcome is the perspective...
DetroitRick
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Re: What is your age and asset allocation ?

Post by DetroitRick »

dogagility wrote: Wed Sep 02, 2020 12:02 pm As a data person, I compiled the %equities across all of the people posting so far in this thread and made a graph. I don't have rights to post images on this site, otherwise I would share the graph.

Putting responses into different age buckets, here is the median percentage allocated to equities of each age group.

20-29: 90
30-39: 90
40-49: 73
50-59: 70
60-69: 53
70-79: 50
80-90: 40
Thanks a ton for taking the time to do this. Very meaningful summary, much appreciated.
redstar
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Re: What is your age and asset allocation ?

Post by redstar »

prairieman wrote: Wed Sep 02, 2020 4:49 pm
dogagility wrote: Wed Sep 02, 2020 12:02 pm As a data person, I compiled the %equities across all of the people posting so far in this thread and made a graph. I don't have rights to post images on this site, otherwise I would share the graph.

Putting responses into different age buckets, here is the median percentage allocated to equities of each age group.

20-29: 90
30-39: 90
40-49: 73
50-59: 70
60-69: 53
70-79: 50
80-90: 40
I don’t quite get this. It seems that nearing the end of one’s life span should enable the taking on of more risk.... a parabola effect. I suppose it depends on personality and portfolio size, though.
I believe Uncorrelated (and a few others on this forum) have done some interesting modeling on this (see this thread: viewtopic.php?f=10&t=293469). Some of those charts show optimal equity percentage based on utility function, years left, and portfolio size as a multiple of yearly spending. My guess is that many people in this forum follow de-risking strategies, especially due to common wisdom here ("winning the game" and Trinity study assumptions). But if you choose different assumptions (utility functions, factoring portfolio size into rules of thumb, etc), then perhaps you would see that parabola effect. Check out the chart under the heading "Trinity study like retirement, with ending capital bonus."
nguy44
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Re: What is your age and asset allocation ?

Post by nguy44 »

Ages: 62/62

AA is 35/43/22 stocks/bonds/cash. Have enough already, so prefer relative stability over maximizing gains.
flyingaway
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Re: What is your age and asset allocation ?

Post by flyingaway »

prairieman wrote: Wed Sep 02, 2020 4:49 pm
dogagility wrote: Wed Sep 02, 2020 12:02 pm As a data person, I compiled the %equities across all of the people posting so far in this thread and made a graph. I don't have rights to post images on this site, otherwise I would share the graph.

Putting responses into different age buckets, here is the median percentage allocated to equities of each age group.

20-29: 90
30-39: 90
40-49: 73
50-59: 70
60-69: 53
70-79: 50
80-90: 40
I don’t quite get this. It seems that nearing the end of one’s life span should enable the taking on of more risk.... a parabola effect. I suppose it depends on personality and portfolio size, though.
Not many people want to buy a golden coffin.
Independent George
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Re: What is your age and asset allocation ?

Post by Independent George »

Age 43, 90/10 asset allocation is currently as follows (excluding cash/emergency funds):

52% US Stock Index
34% International Stock Index
10% US Bond Index
4% REIT Index

I'm currently trying to decide if the REIT index is still worth keeping for diversification purposes. On the one hand, it's such a small percentage of my portfolio that it won't hurt that much if it tanks; on the other hand, it's such a small percentage of my portfolio that it really won't help that much if it soars, either.
Flashes1
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Re: What is your age and asset allocation ?

Post by Flashes1 »

Age: 52. Spouse: 45

Stocks / Bonds: 73/27.

Moderate pension.
prairieman
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Re: What is your age and asset allocation ?

Post by prairieman »

flyingaway wrote: Wed Sep 02, 2020 5:18 pm
prairieman wrote: Wed Sep 02, 2020 4:49 pm
dogagility wrote: Wed Sep 02, 2020 12:02 pm As a data person, I compiled the %equities across all of the people posting so far in this thread and made a graph. I don't have rights to post images on this site, otherwise I would share the graph.

Putting responses into different age buckets, here is the median percentage allocated to equities of each age group.

20-29: 90
30-39: 90
40-49: 73
50-59: 70
60-69: 53
70-79: 50
80-90: 40
I don’t quite get this. It seems that nearing the end of one’s life span should enable the taking on of more risk.... a parabola effect. I suppose it depends on personality and portfolio size, though.
Not many people want to buy a golden coffin.
Me neither, but I wouldn’t mind my demise leading to something more positive than “Here lies a man who left nothing to either his heirs or charity.” Should a ninety year old multi-millionaire with SS and a pension that cover costs hold bonds?
“As long as the roots are not severed, all is well.” Chauncey Gardner
EvanRude
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Re: What is your age and asset allocation ?

Post by EvanRude »

61, retired, no debt.

50% equities (70% domestic/30% intl)
45% bonds (70% domestic/30% intl)
5% money market
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auntie
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Re: What is your age and asset allocation ?

Post by auntie »

75. 55/45
High risk does not equal high reward. It equals high risk of no reward.
GMT-8
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Re: What is your age and asset allocation ?

Post by GMT-8 »

Here's the chart based on the calculations of the OP. I didn't add the most recent contributors.

Image

I'm 69 and my current allocation is 56% bonds, 37% stocks and 7% cash. I might move a bit more cash towards stocks but I'm still assessing how much charitable giving I want to do this year based on the 2020 CARES rules.

GMT
Volkl_One
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Re: What is your age and asset allocation ?

Post by Volkl_One »

29

127% equities (62% domestic/12% intl)
45% bonds
6% money market

Hi to the others on the hedgefundie journey
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LadyGeek
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Re: What is your age and asset allocation ?

Post by LadyGeek »

This thread is now in the Investing - Theory, News & General forum (general question).

Volkl_One, Welcome!
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AllieTB1323
Posts: 270
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Location: Desert Washington State

Re: What is your age and asset allocation ?

Post by AllieTB1323 »

BestCoast123 wrote: Wed Sep 02, 2020 3:16 pm
AllieTB1323 wrote: Wed Sep 02, 2020 3:11 pm
BestCoast123 wrote: Tue Sep 01, 2020 1:42 pm
AllieTB1323 wrote: Tue Sep 01, 2020 12:56 pm I'm 70, and DW is 68

Stocks: 54%
Bonds: 29%
Cash: 3%
RE Contracts: 14%
Would you consider expanding on your RE Contracts? If all goes well, I should have $25k to $50k in K-1 Passive Income in the next year or two, which I will shovel into passive real estate investments to generate some depreciation to defer the taxes. Assuming the RE Contracts are direct mortgages?
Nope, we have no urge to dabble in additional RE Contracts. We sold our privately held C-Corp to a key employee. We also sold him our personally owned real estate the business uses.
I was probably unclear. Sorry. Meant to say "what are the RE Contracts?" Private mortgages?
I sent a private message
Wanderingwheelz
Posts: 482
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Re: What is your age and asset allocation ?

Post by Wanderingwheelz »

prairieman wrote: Wed Sep 02, 2020 5:42 pm
flyingaway wrote: Wed Sep 02, 2020 5:18 pm
prairieman wrote: Wed Sep 02, 2020 4:49 pm
dogagility wrote: Wed Sep 02, 2020 12:02 pm As a data person, I compiled the %equities across all of the people posting so far in this thread and made a graph. I don't have rights to post images on this site, otherwise I would share the graph.

Putting responses into different age buckets, here is the median percentage allocated to equities of each age group.

20-29: 90
30-39: 90
40-49: 73
50-59: 70
60-69: 53
70-79: 50
80-90: 40
I don’t quite get this. It seems that nearing the end of one’s life span should enable the taking on of more risk.... a parabola effect. I suppose it depends on personality and portfolio size, though.
Not many people want to buy a golden coffin.
Me neither, but I wouldn’t mind my demise leading to something more positive than “Here lies a man who left nothing to either his heirs or charity.” Should a ninety year old multi-millionaire with SS and a pension that cover costs hold bonds?
My parents are multi-millionaires with very good pensions (Some people would say great) and at just short of 80 years old they’ve got a roughly 64/36 portfolio which is right about where they’ve been for 30 years.

As an heir I’m okay with that. I’m 100% positive they never sold in a panic, or stopped dollar cost averaging out of worry, which is more than most people approaching 80 can say who tried to keep a much more aggressive portfolio.

Slow and steady really does win the race in investing.
Small Law Survivor
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Re: What is your age and asset allocation ?

Post by Small Law Survivor »

69

47% stocks
53 % bonds/cash

Will start social security next year, which will meet about 1/3 of expenses. WR after that will be 3 - 3.5%.
69 yrs, semi-retired lawyer, 50/40/10 s/b/c, 70/30 dom/int'l. Plan: 4% WR until age 70, 3% after social security kicks in. Boglehead since day 1 (and M* Diehard before that) under various other names
jef
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Re: What is your age and asset allocation ?

Post by jef »

Couple, late 50's

Was 70/20/10. Still contributing. Over the past two months moved to ...
Now 34/45/21.
Hydromod
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Re: What is your age and asset allocation ?

Post by Hydromod »

60/54 spouse

Effectively 74/39 with 3x component

53 S&P
5 International
4 REIT
31 Bonds/TIAA trad/cash
7 TQQQ/UPRO/TMF

On track for 7-10 more years before (semi?) retirement.
texanghost
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Joined: Thu Jul 09, 2020 9:19 pm

Re: What is your age and asset allocation ?

Post by texanghost »

Age: late 20s

Asset allocation:

70/30 Stocks/bonds
Stocks are 70/30 domestic/international (Total Stock and Total International Stock)
Bonds are all domestic (Total Bond)

The retirement accounts are all in a target date fund for simplicity (set it and forget it) but roughly match the above.

It's super bond heavy for our ages and current yields, but we have a goal of paying off the house in a timeframe under the average duration of Total Bond so it doesn't make sense to add extra volatility just yet with that goal in mind. Once bonds > house principal, it will probably get paid off to lock in the interest savings.
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grabiner
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Re: What is your age and asset allocation ?

Post by grabiner »

GMT-8 wrote: Wed Sep 02, 2020 6:04 pm Here's the chart based on the calculations of the OP. I didn't add the most recent contributors.

Image
This chart suggests that the average Boglehead investor is age-20 in bonds, which is slightly more aggressive than in previous times that the forum has polled it.

But there is a lot of variability. In particular, it is reasonable for over-70 investors with large portfolios to have high stock allocations, because most of the portfolio is not for their own retirement but for their children or charity. And there are younger investors who do not have the risk tolerance for the high stock allocations that might be mathematically optimal.
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atdharris
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Re: What is your age and asset allocation ?

Post by atdharris »

I'm 31 and at 90/10 stock to bonds, but I am increasingly thinking 100% stock is going to be fine for me for the next decade.
Bridgebumbob
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Re: What is your age and asset allocation ?

Post by Bridgebumbob »

Age 77
30/50/29- equities/bonds/cash
I have SS plus a pension, no debt and home equity of $800k. I like sleeping well. Stocks and home for kids.
Fortune Seeker
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Re: What is your age and asset allocation ?

Post by Fortune Seeker »

I'm 40 and am at 80/20 stock/bonds. I'm letting my portfolio ride like that for now, but it still feels somewhat aggressive.
Last edited by Fortune Seeker on Wed Sep 02, 2020 10:23 pm, edited 1 time in total.
zebra21345
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Re: What is your age and asset allocation ?

Post by zebra21345 »

Age 63, will retire at 65–not married—no debt

59% Stock—41% Bonds

Breaks down as follows:

49% Total Stk Mkt Index—-10% International Growth—-41% Intermediate Bond Index
Fortune Seeker
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Re: What is your age and asset allocation ?

Post by Fortune Seeker »

grabiner wrote: Wed Sep 02, 2020 9:46 pm This chart suggests that the average Boglehead investor is age-20 in bonds, which is slightly more aggressive than in previous times that the forum has polled it.
I'm curious, does anyone have link to similar questionnaires made around 5-10 years ago?
JakeyLee
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Re: What is your age and asset allocation ?

Post by JakeyLee »

Almost 50.. I been 100 % equities for 38 years. Truth be told, when I account for my ever increasing cash position I'm close to 85/15. I've concluded that many of us "100 % guys" have been lying to our selves. Anyway. Yeah, no regrets
stimulacra
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Re: What is your age and asset allocation ?

Post by stimulacra »

Age 42.

I'm currently 70% equities, 25% bonds, 5% gold.

Tomorrow I'll be 65% equities, 30% bonds, and 5% gold… was looking at my balances and felt like we had a decent run-up this summer and it felt good to rebalance back into bonds and realize some gains.
Ferdinand2014
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Re: What is your age and asset allocation ?

Post by Ferdinand2014 »

Average age DW and I 44

100% S&P 500 (FXAIX) and 3 years cash (Treasury money market fund FDLXX). This works out to about ~ 90/10 if I actually calculated my allocation.
“You only find out who is swimming naked when the tide goes out.“ — Warren Buffett
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FiveK
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Re: What is your age and asset allocation ?

Post by FiveK »

Fortune Seeker wrote: Wed Sep 02, 2020 10:27 pm
grabiner wrote: Wed Sep 02, 2020 9:46 pm This chart suggests that the average Boglehead investor is age-20 in bonds, which is slightly more aggressive than in previous times that the forum has polled it.
I'm curious, does anyone have link to similar questionnaires made around 5-10 years ago?
This was ~5 years ago: Equity Glide Paths — Bogleheads versus Target Funds - Bogleheads.org
HawkeyePierce
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Re: What is your age and asset allocation ?

Post by HawkeyePierce »

30. 80/20, equities split 2:1 US:intl.
TravelforFun
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Re: What is your age and asset allocation ?

Post by TravelforFun »

No asset allocation for me. I try to maintain 10 times annual expenses in cash, money market, CDs , and bonds (CMCB). Right now, it works out to be 67% stocks and 33% CMCB.

TravelforFund
britcoal
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Re: What is your age and asset allocation ?

Post by britcoal »

I'm 42 and pretty much 100% equities across the board. I plan to retire early (50 at the latest). My living expenses are very low, my job is pretty secure, and job prospects are very good. I'm shooting for early retirement. I have plenty now to never invest another penny and be fine at retiring at 60. If things don't go well in the equity markets in the next 5~10 years I'll just work longer. I also have a lot of support if I ever really needed it (I haven't) and 2008 and the dip in March have not bothered me at all. I just stop looking at it every day. I'll probably start heading towards 70/30 or 60/40 in five years.
parisinthespring
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Re: What is your age and asset allocation ?

Post by parisinthespring »

Age 65 in a few weeks time.

IPS is 40/20/40 US/International/FI
Actual is currently 42.0/15.9/42.1 US/International/FI & Cash*

*Guilty of accumulating cash in taxable not yet invested. This was an interesting exercise seeing the %ages across all accounts (RIRA, 401K, Taxable). In theory it looks like I should take the 2.0 and 2.1 excess in US and FI, and move 4.1 into International.

Still working and maxing 401k with a 6% company match.
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Stef
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Re: What is your age and asset allocation ?

Post by Stef »

29 years old, plan to retire before 55.

I invest what I'm able to invest in stocks only, which would put me at 100%. But accounting for pension fund and EF, I'm at 80/20.
pascalwager
Posts: 1868
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Re: What is your age and asset allocation ?

Post by pascalwager »

Age 78.

59/41 S/B. Also cash at 1.6% of total assets.

Global small cap tilt, blend and value.
EM tilt.
US large value tilt.

US/intl 50/50.
adalaio
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Re: What is your age and asset allocation ?

Post by adalaio »

Ages 41/41. Right now 85/15, but the 15 includes the cash part of emergency fund, so the proportions will glide towards more stock. Allocation in tax protected is 90/10, in taxable is 100/0. I hold 21% international. I’ve been wandering if I should just go 100% stock except for part of emergency fund. At least 29 years to retirement, did not flinch in March, so it seems I can stay the course with no stress at all.
smitcat
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Re: What is your age and asset allocation ?

Post by smitcat »

flyingaway wrote: Wed Sep 02, 2020 5:18 pm
prairieman wrote: Wed Sep 02, 2020 4:49 pm
dogagility wrote: Wed Sep 02, 2020 12:02 pm As a data person, I compiled the %equities across all of the people posting so far in this thread and made a graph. I don't have rights to post images on this site, otherwise I would share the graph.

Putting responses into different age buckets, here is the median percentage allocated to equities of each age group.

20-29: 90
30-39: 90
40-49: 73
50-59: 70
60-69: 53
70-79: 50
80-90: 40
I don’t quite get this. It seems that nearing the end of one’s life span should enable the taking on of more risk.... a parabola effect. I suppose it depends on personality and portfolio size, though.
Not many people want to buy a golden coffin.
If we remain ahead as we get older the risk level will stay the same or go up as we age - although there will be no golden coffin we will not be investing for ourselves past a point.
rebenzer
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Re: What is your age and asset allocation ?

Post by rebenzer »

Age-76 Stocks-20%
Fixed-60%
Cash-20%
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ruralavalon
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Re: What is your age and asset allocation ?

Post by ruralavalon »

Exodus wrote: Wed Sep 02, 2020 4:52 pm Age 30
AA: 100% Equities (excluding e-fund)

Exodus
Just curious, if you count the emergency fund as part of fixed income then what is your equities/fixed income allocation?
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started
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MN-Investor
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Re: What is your age and asset allocation ?

Post by MN-Investor »

Widowed, 67 years old.

Stocks 34%
Bonds 62%
Cash/Money Market 4%

Minimal investment in international; I figure the U.S. companies have enough international exposure.
The key to success - Save early, save often, invest well.
AlwaysaQ
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Re: What is your age and asset allocation ?

Post by AlwaysaQ »

Prairieman -

Not everyone is a multimillionaire.
Aging make the possibility of needing long term care causing faster asset depletion loom larger.
I invest at my risk level; my heirs can choose their own when they inherit and I hope they do inherit.
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novolog
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Re: What is your age and asset allocation ?

Post by novolog »

28. Roughly 95/5 Stocks/Bonds.

After experiencing the volatility this year I think we would be comfortable with 100% Stocks and we are considering a change.
GreenLawn
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Re: What is your age and asset allocation ?

Post by GreenLawn »

prairieman wrote: Wed Sep 02, 2020 5:42 pm
flyingaway wrote: Wed Sep 02, 2020 5:18 pm
prairieman wrote: Wed Sep 02, 2020 4:49 pm
dogagility wrote: Wed Sep 02, 2020 12:02 pm As a data person, I compiled the %equities across all of the people posting so far in this thread and made a graph. I don't have rights to post images on this site, otherwise I would share the graph.

Putting responses into different age buckets, here is the median percentage allocated to equities of each age group.

20-29: 90
30-39: 90
40-49: 73
50-59: 70
60-69: 53
70-79: 50
80-90: 40
I don’t quite get this. It seems that nearing the end of one’s life span should enable the taking on of more risk.... a parabola effect. I suppose it depends on personality and portfolio size, though.
Not many people want to buy a golden coffin.
Me neither, but I wouldn’t mind my demise leading to something more positive than “Here lies a man who left nothing to either his heirs or charity.” Should a ninety year old multi-millionaire with SS and a pension that cover costs hold bonds?
That may well be me, depending on the cost of health care as I age. Safe to say, I won't be asking you to write my epitaph. :happy
stimulacra
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Re: What is your age and asset allocation ?

Post by stimulacra »

stimulacra wrote: Wed Sep 02, 2020 10:41 pm Age 42.

I'm currently 70% equities, 25% bonds, 5% gold.

Tomorrow I'll be 65% equities, 30% bonds, and 5% gold… was looking at my balances and felt like we had a decent run-up this summer and it felt good to rebalance back into bonds and realize some gains.
Woof. I think I might cancel this afternoon's rebalance order.
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ruralavalon
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Re: What is your age and asset allocation ?

Post by ruralavalon »

stimulacra wrote: Thu Sep 03, 2020 11:29 am
stimulacra wrote: Wed Sep 02, 2020 10:41 pm Age 42.

I'm currently 70% equities, 25% bonds, 5% gold.

Tomorrow I'll be 65% equities, 30% bonds, and 5% gold… was looking at my balances and felt like we had a decent run-up this summer and it felt good to rebalance back into bonds and realize some gains.
Woof. I think I might cancel this afternoon's rebalance order.
Isn't volatility exciting :) .
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started
Random Poster
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Re: What is your age and asset allocation ?

Post by Random Poster »

43 me, wife is 41.

40% US stocks, 10% International stocks, 50% bonds.

Might be retired now. Will figure that out later.
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Bluce
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Re: What is your age and asset allocation ?

Post by Bluce »

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've gradually de-risked my portfolio in the past ten years to 30/70, where it's been for the past 2-3 years. I just turned 70 a couple of weeks ago and don't need any more growth.

I'm self-employed, still working, my PF is just treading water waiting for me to retire and start taking income from it.
"There are no new ideas, only forgotten ones." -- Amity Shlaes
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