How long have you stuck with the same asset allocation?

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How long have you stuck with the same asset allocation?

5-10 years
3
25%
5-10 years
3
25%
Over 10 years
6
50%
 
Total votes: 12

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tc101
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Location: Atlanta - Retired in 2004 at age 54

How long have you stuck with the same asset allocation?

Post by tc101 » Sun Feb 22, 2009 1:23 pm

If you have an asset allocation statement in witting, how long have you stuck with it?
. | The most important thing you should know about me is that I am not an expert.

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jeff mc
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Post by jeff mc » Sun Feb 22, 2009 1:30 pm

well, i bump up bonds 1% every year (in theory), so not so long. but my *plan* has been in place for 5 yrs

hewhomustnotbenamed
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Post by hewhomustnotbenamed » Sun Feb 22, 2009 2:08 pm

Statement is almost 2 months old(new years resolution).
Asset Holdings are a ripe 30 days or so.
I might be crazy but, I ain't stupid.

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tc101
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Location: Atlanta - Retired in 2004 at age 54

Post by tc101 » Sun Feb 22, 2009 6:50 pm

Interesting info. I hope more people respond
. | The most important thing you should know about me is that I am not an expert.

Ron
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Post by Ron » Sun Feb 22, 2009 7:18 pm

Four years ago, while still employed, I was at 80/20. At that time, I started changing my AA in preperation for retirement (2 years later). At the time of retirement, my AA was (and remains) 60/40. Of course, due to the current pullback in equities, and drawing from the cash side of my portfolio, my current mix is at 55/45.

I'm a "true believer" in the fact that the market will return. When? Don't know, but my cash/bond position will cover more than a few years of required income.

My target for age 70 (when I'll draw SS) will drop to 50/50, subject to change. Hey - that's 9 years away! I still answered 3-5 years, since my changes were planned in preperation for my "conversion" to retirement.

- Ron

bozo
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Post by bozo » Sun Feb 22, 2009 10:55 pm

I've been "age in cash/bonds" for over 5 years. Most of that cash/bonds has actually been in cash. I haven't had to adjust of late, Mr. Market has done it for me. Every time I look at my AA, the equity % just keeps sinking, while the cash % keeps rising.

Pretty soon, I will need to get one of those "Dorian Gray" pictures to hang in the garage (inside joke to the readers among us).

Bozo

Ken Reckers
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Joined: Fri Apr 20, 2007 9:52 am

Post by Ken Reckers » Sun Feb 22, 2009 11:10 pm

Not in writing. Been at 80/20 for about 15 years, since I first read Bogle on Mutual Funds. Plan to be there for about 5 more years, then go 65/35.

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grabiner
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Post by grabiner » Mon Feb 23, 2009 12:20 am

I answered five years but it could just as well be seven. I had essentially my current plan in 2002 (with five years of investing experience) but switched from 85% stock to 90% stock in 2004.

And while my target allocation hasn't changed, my actual allocation has because of new options. I now hold GWX (and will switch to Vanguard's international small-cap when it opens) in my taxable account, which has freed up room in my IRA formerly occupied by International Explorer for more value funds.
Wiki David Grabiner

HearDoc
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Post by HearDoc » Mon Feb 23, 2009 8:50 am

Was 60/40 before I retired a year ago, changed to 50/50 when I bailed from
my employer. Now looks like 40/60 due to market conditions although
this is probably where my AA should have been if I truly understood that with two pensions I didn't need to assume unnecessary risk.
Next up: do I reallocate back to 50/50 or keep the 40/60 that the market gifted me with ?

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nick22
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AA

Post by nick22 » Mon Feb 23, 2009 8:53 am

I bumped up the equity stake when the market went down the first 20%. So went from 80% equity: 10% bond: 10% RE to 90% equity: 10% RE. All current money is going into equity now, hoping to get several years of buying shares at lower prices through DCA.
Nick22

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