What is your age and asset allocation ?

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monodactyl
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Re: What is your age and asset allocation ?

Post by monodactyl »

ruralavalon wrote: Tue Dec 15, 2020 10:58 am Welcome to the forum
dogagility wrote: Tue Dec 15, 2020 6:08 am You will get much better input on your questions if you start a new thread and use the forum's template for asking portfolio questions.
Thanks. Yeah I took your advice and started a new thread in the format as best I could approximate by the guidelines you linked. Eager to hear peoples opinions.

viewtopic.php?f=22&t=332785&p=5660530#p5660530
Mr F
Posts: 43
Joined: Wed Jul 29, 2020 7:50 am

Re: What is your age and asset allocation ?

Post by Mr F »

Mid 30’s

57 pt Stocks
3 pt Bonds
40 Cash (inc EF)

Having seen and even compared to most 50 + year olds I’m conservative.

Probably should be more aggressive with my AA to seek better returns.
Last edited by Mr F on Tue Dec 15, 2020 11:30 am, edited 2 times in total.
When you're chewing on life's gristle. Don't grumble, give a whistle. And this'll help things turn out for the best. Always look on the bright side of life.
7eight9
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Re: What is your age and asset allocation ?

Post by 7eight9 »

deleted
Last edited by 7eight9 on Tue Dec 15, 2020 9:42 pm, edited 1 time in total.
I guess it all could be much worse. | They could be warming up my hearse.
freckles01
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Re: What is your age and asset allocation ?

Post by freckles01 »

50 hoping to work PT starting 2021- yay to semi retirement!

70/30 with about 25% international stock, not counting e fund/cash/ibonds in AA
have rental income - 5 years mortgage payments left!
will have small/medium pension

funds in 401k, RothIRA and taxable account

debating going to 65-60/35-40 when fully retired (date is fluid, working for the free healthcare)

rental income and pension should cover ordinary monthly expenses after property is paid off.
Harri88
Posts: 52
Joined: Sun Dec 06, 2020 8:15 pm
Location: Midwest

Re: What is your age and asset allocation ?

Post by Harri88 »

I'm 57 and my wife is 56. Employed. Our allocation is:

70% Equities, 55% US/15% International
21% Bonds
9% CDs/Stable value fund

Looking to reduce equities by 5-10% in 2021.
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Brianmcg321
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Re: What is your age and asset allocation ?

Post by Brianmcg321 »

47. 100% equities.
Rules to investing: | 1. Don't lose money. | 2. Don't forget rule number 1.
reimann
Posts: 71
Joined: Thu Mar 30, 2017 9:31 pm

Re: What is your age and asset allocation ?

Post by reimann »

61
Retired but working part time
84% equity
16% bonds

Reimann
Triple digit golfer
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Re: What is your age and asset allocation ?

Post by Triple digit golfer »

Wife and I are both 35.

80/20
30% of stocks international
bg5
Posts: 271
Joined: Mon Jan 15, 2018 11:07 am

Re: What is your age and asset allocation ?

Post by bg5 »

Age 40 - Wife 36

90% Equities (VTSAX)
10% Bitcoin
nydoc
Posts: 194
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Re: What is your age and asset allocation ?

Post by nydoc »

38 and 34. 75:25
houseofnine
Posts: 157
Joined: Sat Jan 11, 2020 4:40 pm

Re: What is your age and asset allocation ?

Post by houseofnine »

52
70 - equities
20 - fixed income
5 - gold
5 - cash
jand87
Posts: 86
Joined: Sun Oct 28, 2018 12:14 pm

Re: What is your age and asset allocation ?

Post by jand87 »

33 years old.

85% Stocks. (80% US/20% Intl)
15% Bonds.
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mokaThought
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Re: What is your age and asset allocation ?

Post by mokaThought »

35. Wife is 36. 70/30. I had been strongly age-in-bonds until the last few years. The Covid crash hurt, but I stayed the course. Now that I know my risk tolerance by experience, will stay 70/30 fixed for at least five years, probably ten. I don’t foresee going below 50/50 in retirement.
Stock: 13.5% each: US large blend, large value, small blend, small value; 7.2% each: int'l large blend, large value, small blend, small value, EM; 10%: REET / Bond: 50% TSP G, 50% TSP F.
LeslieSmiley
Posts: 226
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Re: What is your age and asset allocation ?

Post by LeslieSmiley »

54

US equity 57%
International equity 6%
US bonds 15%
Cash 22% (earning 2% to 4% APY)
Cubs Fan
Posts: 6
Joined: Wed Nov 11, 2020 12:22 pm

Re: What is your age and asset allocation ?

Post by Cubs Fan »

DH 77, DW 71. AA 60/40 mostly VTI/VBTLX. We are using Edward Jones as our emergency fund. I bought Nextera Energy 20 years ago (initial investment of $26,000) along with the usual high ER funds. When I retired 7 years ago I systematically sold my EJ funds carefully avoiding capital gains taxes. The only remaining EJ investments are Growth Fund of America and NEE. Each year I consult with my CPA to determine how much EJ I can sell before incurring a tax problem. Even if I can't sell the remaining EJ investments my children will inherit the remainder on a stepped up basis. Also, I transferred over $200,000 of VTI to Merrill Edge to obtain a $900.00 bonus. Bank of America now provided free banking for just about everything, and we receive Platinum Plus credit cards providing a huge cash back allowance. Other than that we do not have an emergency fund.
freyj6
Posts: 392
Joined: Thu Jun 19, 2014 2:09 am

Re: What is your age and asset allocation ?

Post by freyj6 »

32

100% equities.

60/40 US vs international.
Aged Maduro
Posts: 216
Joined: Thu Dec 17, 2020 7:17 pm

Re: What is your age and asset allocation ?

Post by Aged Maduro »

Age 41

Equities - 70%
Paid off Rental Properties - 20%
Bonds - 10%
mike@jb
Posts: 52
Joined: Mon Sep 28, 2020 10:19 pm
Location: Florida

Re: What is your age and asset allocation ?

Post by mike@jb »

Both 61
AA 50/50
Equities 70% US, 30% International
bck63
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Re: What is your age and asset allocation ?

Post by bck63 »

57 years old

30/70
8% cash.
523HRR
Posts: 138
Joined: Tue Mar 11, 2014 8:27 pm

Re: What is your age and asset allocation ?

Post by 523HRR »

57 and 60. Retired for over 8 years now. 95+% equities. Have always been near 100% equities.
learningtime
Posts: 62
Joined: Sat Apr 09, 2011 4:13 pm

Re: What is your age and asset allocation ?

Post by learningtime »

Ages: 44 and 47

Expected Asset Allocation starting 2021 (for new money):
Fixed Income: 30% (Stable Value, Treasury Direct i bonds and EE bonds)
Equities: 30% (Domestic and International)
Speculative (think bitcoin, Tesla, etc): 5%
Real Estate: 18% (Direct or Indirect)
Balanced fund to support contingencies around Real Estate investments (just to be cautious, if we go the direct RE investment route): 17%


EF is possibly all we will have in accessible cash and I don't see us adding too much beyond 1 year of expenses.
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Picasso
Posts: 186
Joined: Fri Feb 01, 2019 2:19 pm

Re: What is your age and asset allocation ?

Post by Picasso »

Age 35

100% equities - 100% US/0% International
Crawdad
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Re: What is your age and asset allocation ?

Post by Crawdad »

66 & 66
65% Stock
30% Bonds
5% Cash
Everything is a gift. Be thankful.
Mezpi1
Posts: 15
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Re: What is your age and asset allocation ?

Post by Mezpi1 »

65/67 years old. 50 stocks/ 50 bonds. Includes international mix. Both retired.
“Riches prick us with a thousand troubles in getting them, as many cares in preserving them, and yet more anxiety in spending them, and with grief in losing them.” – St. Francis of Assisi
flaccidsteele
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Re: What is your age and asset allocation ?

Post by flaccidsteele »

40s. Retired
$5.5m nw
If I had to guess my AA is
5% cash
40% stocks (US index + Berkshire Hathaway)
55% US real estate

No international
No bonds
No conventional rebalancing
The US market always recovers. It’s never different this time. Retired in my 40s. Investing is a simple game of rinse and repeat
Tamalak
Posts: 885
Joined: Fri May 06, 2016 2:29 pm

Re: What is your age and asset allocation ?

Post by Tamalak »

37

90/10

Very comfortable with it, but I've only been heavily invested for 5 years.
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Ramjet
Posts: 802
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Location: Ohio

Re: What is your age and asset allocation ?

Post by Ramjet »

37 and 100% stock
"Every normal man must be tempted, at times, to spit upon his hands, hoist the black flag, and begin slitting throats" H.L. Mencken
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abuss368
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Re: What is your age and asset allocation ?

Post by abuss368 »

flaccidsteele wrote: Sun Dec 27, 2020 12:33 am 40s. Retired
$5.5m nw
If I had to guess my AA is
5% cash
40% stocks (US index + Berkshire Hathaway)
55% US real estate

No international
No bonds
No conventional rebalancing
That must be SIMPLICITY and total peace of mind. A growing passive income stream.

Tony
John C. Bogle: “Simplicity is the master key to financial success."
BalancedJCB19
Posts: 257
Joined: Sat Jul 13, 2019 11:30 am

Re: What is your age and asset allocation ?

Post by BalancedJCB19 »

Age 56
60/40 (All in the Vanguard Balanced Index Fund)
mhop
Posts: 69
Joined: Tue Jul 23, 2013 12:41 pm

Re: What is your age and asset allocation ?

Post by mhop »

I’m a big proponent of adjusting AA based on NW goals rather than determining AA based on age.
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InvestorHowie
Posts: 108
Joined: Sun Jul 20, 2008 1:01 pm

Re: What is your age and asset allocation ?

Post by InvestorHowie »

46
88/12 (primarily in aggressive target date fund; remainder in index/total market)
2021+ contributions at 75/25 (less aggressive target date fund)
Not sure yet if I will rebalance or let it sort itself out
Last edited by InvestorHowie on Sun Dec 27, 2020 11:03 am, edited 2 times in total.
Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas. --Paul Samuelson
Exchme
Posts: 319
Joined: Sun Sep 06, 2020 3:00 pm

Re: What is your age and asset allocation ?

Post by Exchme »

Gee, after seeing all these high bond & cash allocations, I feel like a riverboat gambler.

Been nearly all stock throughout working career, but preparing to retire, so have built bonds/cash up since September, but having trouble convincing myself to sell any more stocks to buy bonds in this low yield environment. Or maybe it's a historically high stock market and the best possible time to sell stocks, build cash and buy bonds?

I'm 60, DW 60. Plan to retire shortly.
79% stock (some small and value tilt, 25% of stocks are Intn'l)
12% bonds
5% cash
4% rental farmland (receive rental like a 2% bond)
flaccidsteele
Posts: 1339
Joined: Sun Jul 28, 2019 9:42 pm
Location: Canada

Re: What is your age and asset allocation ?

Post by flaccidsteele »

abuss368 wrote: Sun Dec 27, 2020 9:51 am
flaccidsteele wrote: Sun Dec 27, 2020 12:33 am 40s. Retired
$5.5m nw
If I had to guess my AA is
5% cash
40% stocks (US index + Berkshire Hathaway)
55% US real estate

No international
No bonds
No conventional rebalancing
That must be SIMPLICITY and total peace of mind. A growing passive income stream.

Tony
It is

I often read posts here where people list a dozen or more funds, international, with regular rebalancing, only to get more complexity and worse performance

Bogle’s advice of simplicity is vastly underrated here
The US market always recovers. It’s never different this time. Retired in my 40s. Investing is a simple game of rinse and repeat
TSPballer
Posts: 13
Joined: Tue Oct 08, 2019 8:45 pm

Re: What is your age and asset allocation ?

Post by TSPballer »

Both 31 years old. $350k portfolio.

70% US
25% International
5% Cash (EF)

Incrementally working on adjusting to:

US
50% Tot US
10% US small value

International
20% Tot International
10% International Small
10% Emerging
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abuss368
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Re: What is your age and asset allocation ?

Post by abuss368 »

flaccidsteele wrote: Sun Dec 27, 2020 11:53 am
abuss368 wrote: Sun Dec 27, 2020 9:51 am
flaccidsteele wrote: Sun Dec 27, 2020 12:33 am 40s. Retired
$5.5m nw
If I had to guess my AA is
5% cash
40% stocks (US index + Berkshire Hathaway)
55% US real estate

No international
No bonds
No conventional rebalancing
That must be SIMPLICITY and total peace of mind. A growing passive income stream.

Tony
It is

I often read posts here where people list a dozen or more funds, international, with regular rebalancing, only to get more complexity and worse performance

Bogle’s advice of simplicity is vastly underrated here
Excellent advice and investors would be to listen.

Tony
John C. Bogle: “Simplicity is the master key to financial success."
William4589
Posts: 44
Joined: Sat Jan 31, 2015 2:38 pm

Re: What is your age and asset allocation ?

Post by William4589 »

61

50/50

Thinking of maybe trying to do some part-time/temporary work since international travel is shut down.
SCraw
Posts: 23
Joined: Thu Dec 19, 2019 3:22 pm

Re: What is your age and asset allocation ?

Post by SCraw »

<40, London

~98% FTSE Global All Cap trackers (Vanguard and HSBC - between all the fees I genuinely can’t remember which is cheaper for each savings vehicle)
~2% Cash (Emergency fund - 6 months expenses)

In my ISA, SIPP (via salary sacrifice), and taxable accounts. I have some amount in my workplace pension, which I plan to transfer.
ImUrHuckleberry
Posts: 580
Joined: Sat Apr 15, 2017 7:44 am

Re: What is your age and asset allocation ?

Post by ImUrHuckleberry »

flaccidsteele wrote: Sun Dec 27, 2020 11:53 am
abuss368 wrote: Sun Dec 27, 2020 9:51 am
flaccidsteele wrote: Sun Dec 27, 2020 12:33 am 40s. Retired
$5.5m nw
If I had to guess my AA is
5% cash
40% stocks (US index + Berkshire Hathaway)
55% US real estate

No international
No bonds
No conventional rebalancing
That must be SIMPLICITY and total peace of mind. A growing passive income stream.

Tony
It is

I often read posts here where people list a dozen or more funds, international, with regular rebalancing, only to get more complexity and worse performance

Bogle’s advice of simplicity is vastly underrated here
Isn't dealing with real estate a lot more complicated than spending 30 minutes 2x per year rebalancing a small number of funds?
flaccidsteele
Posts: 1339
Joined: Sun Jul 28, 2019 9:42 pm
Location: Canada

Re: What is your age and asset allocation ?

Post by flaccidsteele »

ImUrHuckleberry wrote: Sun Dec 27, 2020 5:03 pm
flaccidsteele wrote: Sun Dec 27, 2020 11:53 am
abuss368 wrote: Sun Dec 27, 2020 9:51 am
flaccidsteele wrote: Sun Dec 27, 2020 12:33 am 40s. Retired
$5.5m nw
If I had to guess my AA is
5% cash
40% stocks (US index + Berkshire Hathaway)
55% US real estate

No international
No bonds
No conventional rebalancing
That must be SIMPLICITY and total peace of mind. A growing passive income stream.

Tony
It is

I often read posts here where people list a dozen or more funds, international, with regular rebalancing, only to get more complexity and worse performance

Bogle’s advice of simplicity is vastly underrated here
Isn't dealing with real estate a lot more complicated than spending 30 minutes 2x per year rebalancing a small number of funds?
I don’t rebalance so yes, the real estate, despite being managed by property management companies, requires slightly more work

Not complicated tho

I haven’t even seen many of the homes that I own, nor have I held any of the keys or met any of the tenants
The US market always recovers. It’s never different this time. Retired in my 40s. Investing is a simple game of rinse and repeat
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TierArtz
Posts: 479
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Re: What is your age and asset allocation ?

Post by TierArtz »

Updated after making minor tweaks in the last few months:

I'm 59 and still working; have a present pension with medical coverage; farm income; and plan to retire from my day job in about 4 years - about when my first kid starts college.

I'm 70/29/1 (Stock/bond/cash) adjusted for future taxes. I'm emulating VTWAX (VG Total World Stock) with VTSAX and VTIAX in taxable and Roth, and all tax deferred retirement accounts are 100% total bond.
johnegonpdx
Posts: 64
Joined: Thu Apr 09, 2020 3:07 pm

Re: What is your age and asset allocation ?

Post by johnegonpdx »

I'm 50 (and I like to kick, stretch and kick).

75% Stock + 25% Bond + 5 year reserve.

For stocks . . .
- heavier on mid & small cap than VTSAX.
- 20% foreign (of which 70% developed, 30% emerging)
- 10% real estate
dacalo
Posts: 145
Joined: Mon Mar 28, 2016 11:09 pm

Re: What is your age and asset allocation ?

Post by dacalo »

I am 41, wife 35. $3M invested, excluding equity in our home.

We are approximately 1.5% cash and rest in equity. Thinking of converting about $200k into bonds from equity and then keep contributing to equity. Or just stay the course and keep accumulating to equity.

We have approximately $598k remaining in our mortgage, but thinking about just investing more rather than paying it down since the rate is so low.
avidlearner
Posts: 81
Joined: Tue Mar 19, 2019 7:51 am

Re: What is your age and asset allocation ?

Post by avidlearner »

Age 41 wife 36
80% stocks 20% bonds
Paid off house
Drengr
Posts: 25
Joined: Tue Jan 10, 2017 2:41 am
Location: Bethesda MD

Re: What is your age and asset allocation ?

Post by Drengr »

Age 39 Wife 35

US Stock index 40%
Intl Stock index 30%
RE index 10%
US bond index 15%
TIPS 5%
mcblum
Posts: 527
Joined: Wed Jan 06, 2010 7:46 am
Location: gaithersburg,md

Re: What is your age and asset allocation ?

Post by mcblum »

age 77. Retired. no debt. AA is 53% stock 47% Bonds. Not adding much except returning excess RMD to taxable
Tdubs
Posts: 1167
Joined: Tue Apr 24, 2018 7:50 pm

Re: What is your age and asset allocation ?

Post by Tdubs »

Spouse and I are both 62. Spouse collects SS disability, I don't plan on taking SS till 70, but obviously could sooner in a pinch. I still work and will collect a small pension whenever I retire (likely 3 years)--it also provides good retiree health benefits.

With those sources providing enough guaranteed income to get by, I decided to let my AA drift up from 45/55 to 65/35 over the next few years. My bond side is 1/2 bond funds and 1/2 fixed in TIAA traditional with 3% minimum interest rate. Equities are about 2 to 1 US to international.
Lambeau
Posts: 8
Joined: Mon Dec 28, 2020 4:54 pm

Re: What is your age and asset allocation ?

Post by Lambeau »

Age 70
40% Ibonds
40% Treasury. MM
20 % SP 500 Index
GeMoney
Posts: 113
Joined: Sun Jul 28, 2019 11:15 am

Re: What is your age and asset allocation ?

Post by GeMoney »

Age 57
67% Stock
28% Bonds
5% Cash
DarkMatter731
Posts: 6
Joined: Sat Apr 25, 2020 8:28 am

Re: What is your age and asset allocation ?

Post by DarkMatter731 »

Early 20s

100% equities

I have the benefit of knowing that I'm going to inherit significant real estate so I can afford to live life on the edge.
binvesting
Posts: 98
Joined: Mon Sep 28, 2015 2:09 am

Re: What is your age and asset allocation ?

Post by binvesting »

Spouse and I both 37.
Stocks 70%, Bonds 30%.
Stocks split at US 70% and Intl 30%.
Last edited by binvesting on Tue Mar 30, 2021 1:10 pm, edited 1 time in total.
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