What is your age and AA?
What is your age and AA?
I saw this thread on the M* Fidelity forum and thought it would be interesting to post it here.
I am 68 and retired, my wife is 59 and will retire in 4 years.
AA is 55% equities/45% bonds & cash. According to Morningstar's x-ray the breakdown is:
Cash 15.97
U.S. Stocks 35.26
Foreign Stocks 21.34
Bonds 26.60
Other 0.84
I am 68 and retired, my wife is 59 and will retire in 4 years.
AA is 55% equities/45% bonds & cash. According to Morningstar's x-ray the breakdown is:
Cash 15.97
U.S. Stocks 35.26
Foreign Stocks 21.34
Bonds 26.60
Other 0.84
Re: What is your age and AA?
Age 46.
AA is 50% equities/50% bonds & cash.
U.S. Stocks 38%
Foreign Stocks 12%
Bonds 29%
Cash 21%
AA is 50% equities/50% bonds & cash.
U.S. Stocks 38%
Foreign Stocks 12%
Bonds 29%
Cash 21%
Age: 46, spouse 46
Cash 3%
Bonds 27% (about 1/3 ST, 2/3 IT)
Stocks 70% (6% REIT and the remainder 67% US, 33% foreign )
Domestic stocks:
...25% LV (VG Large Value Index)
...25% LG (Primecap)
...25% MV/MB (Strategic Equity)
...25% SCV (VG SCV Index)
International Stocks:
...25% Europe Index
...25% Pacific Index
...25% EM Index
...12% GWX
...13% DLS
Domestic similar to Trev H. International influenced by R Ferri.
Cash 3%
Bonds 27% (about 1/3 ST, 2/3 IT)
Stocks 70% (6% REIT and the remainder 67% US, 33% foreign )
Domestic stocks:
...25% LV (VG Large Value Index)
...25% LG (Primecap)
...25% MV/MB (Strategic Equity)
...25% SCV (VG SCV Index)
International Stocks:
...25% Europe Index
...25% Pacific Index
...25% EM Index
...12% GWX
...13% DLS
Domestic similar to Trev H. International influenced by R Ferri.
- fishnskiguy
- Posts: 2635
- Joined: Tue Feb 27, 2007 12:27 pm
- Location: Castle Rock, CO
Mine
Age: 24
Asset Allocation:
75% Equity (50% TSM, 50% FTSE-All World Ex US)
25% Bonds (100% Total Bond Market Index)
Asset Allocation:
75% Equity (50% TSM, 50% FTSE-All World Ex US)
25% Bonds (100% Total Bond Market Index)
Kevin
allocations
Age: 31
90% Equities (10% REIT, 30% Total Int'l, 30% Small Cap Index, 20% Large Value Index, 10% Large Cap Growth Index).
10% Bonds (70% short term index, 30% long term index).
100% Index Funds.
90% Equities (10% REIT, 30% Total Int'l, 30% Small Cap Index, 20% Large Value Index, 10% Large Cap Growth Index).
10% Bonds (70% short term index, 30% long term index).
100% Index Funds.
100% TR2050
23 y/o
72% Total Stock Market
18% Total International Stock
10% Total Bond Market
72% Total Stock Market
18% Total International Stock
10% Total Bond Market
allocations
Age: 37
73% Equities
27% Bonds
93% Vanguard Target Retirement 2020
6% Vanguard Tax Managed Growth & Incoome
1% Money Market
73% Equities
27% Bonds
93% Vanguard Target Retirement 2020
6% Vanguard Tax Managed Growth & Incoome
1% Money Market
Most aggressive here for my age
Age 39
I hold 90% stocks (and with a further bias towards higher-risk classes), 10% bonds.
My target allocation (I don't quite have this because I don't have enough IRA room and I have no value or small-cap international in any of my retirement plans):
5% large growth
15% large value
5% small growth
15% small value
15% international large
15% international small
10% emerging markets
10% REIT
10% bonds
I hold 90% stocks (and with a further bias towards higher-risk classes), 10% bonds.
My target allocation (I don't quite have this because I don't have enough IRA room and I have no value or small-cap international in any of my retirement plans):
5% large growth
15% large value
5% small growth
15% small value
15% international large
15% international small
10% emerging markets
10% REIT
10% bonds
What is your Age & AA
I am 50 & presently disabled & work part time, Wife 46 & working.
I plan to try to work part time as long as I can, for fear of boredom & going crazy if I stay at home.
STOCKS 57% BONDS & CASH 43% ; All Vanguard Funds
In stocks, 71 Domestic & 29 International,
In Domestic stocks - Tilt towards small cap, value & financials
In Bonds approaximately 50% are in VIPS
Have learnt a lot on this Forum , Thanks
I plan to try to work part time as long as I can, for fear of boredom & going crazy if I stay at home.
STOCKS 57% BONDS & CASH 43% ; All Vanguard Funds
In stocks, 71 Domestic & 29 International,
In Domestic stocks - Tilt towards small cap, value & financials
In Bonds approaximately 50% are in VIPS
Have learnt a lot on this Forum , Thanks
age 50 and retired
Asset allocation is range based and rebalance anytime to keep each equity asset class within range but only minimum required. 93% taxable so CG's make any changes painful.
- Al
Asset allocation is range based and rebalance anytime to keep each equity asset class within range but only minimum required. 93% taxable so CG's make any changes painful.
Code: Select all
54.0% - 60.0% EQUITIES; 80/20 US/intl
34.2% - 38.0% - US Large cap (basically TSM)
10.8% - 12.0% - Intl (some LV and small tilt)
9.0% - 10.0% - US small cap (50/50 SV/SB)
43.5% - 37.5% BONDS
2.5% - 2.5% REITS
Age and AA
Age 58/60
military pension, second small pension both inflation adjusted
Both work full time, both will retire at 62 but likely still work PT to avoid boredom.
Per M* Xray
Cash 3.22
US 33.65
Foreign 16.01
Bonds 42.49
Other 4.63
All in Vanguard funds. Bonds include HiYld and equities include Precious Metals and Convertibles. Plan is 50/45 with 5 in cash and will leave it at that after retirement.
Don
military pension, second small pension both inflation adjusted
Both work full time, both will retire at 62 but likely still work PT to avoid boredom.
Per M* Xray
Cash 3.22
US 33.65
Foreign 16.01
Bonds 42.49
Other 4.63
All in Vanguard funds. Bonds include HiYld and equities include Precious Metals and Convertibles. Plan is 50/45 with 5 in cash and will leave it at that after retirement.
Don
- Jazztonight
- Posts: 1339
- Joined: Tue Feb 27, 2007 11:21 pm
- Location: Lake Merritt
AA
Age: 60 - Semi-retired, working 2 days/week at "day job;" Musician/composer the rest of the time.
Wife: 19
(just kidding; wife is financially independent, and deals with her own AA better than I ever have)
my AA is 60/40 (everything in Vanguard except 401k):
Total Stock Market Index 14%
Small Cap Index 07%
Small Value Index 07%
REIT Index 07%
VG Energy Fund 05%
Total International Index 20%
Short Term Bond fund 08%
Intermediate Bond fund (401k) 19%
TIPS fund 13%
Wife: 19
(just kidding; wife is financially independent, and deals with her own AA better than I ever have)
my AA is 60/40 (everything in Vanguard except 401k):
Total Stock Market Index 14%
Small Cap Index 07%
Small Value Index 07%
REIT Index 07%
VG Energy Fund 05%
Total International Index 20%
Short Term Bond fund 08%
Intermediate Bond fund (401k) 19%
TIPS fund 13%
"What does not destroy me, makes me stronger." Nietzsche
- spangineer
- Posts: 89
- Joined: Sat Feb 24, 2007 8:39 am
-
- Posts: 82
- Joined: Tue Apr 17, 2007 10:04 am
Age: 26
Retirement Portfolio
Stock/Bonds-Cash: 88%/12%
Domestic/Foreign Equity: 60%/40% (Though I'm considering a shift to 50/50)
Since I'm still starting out, my retirement savings are only about half of my assets. Just for fun, I put my retirement funds along with my house downpayment and emergency funds into M*'s X-Ray and got the following:
Total Assets
Domestic Equity: 34%
Foreign Equity: 20%
Bonds: 22%
Cash: 24%
Retirement Portfolio
Stock/Bonds-Cash: 88%/12%
Domestic/Foreign Equity: 60%/40% (Though I'm considering a shift to 50/50)
Since I'm still starting out, my retirement savings are only about half of my assets. Just for fun, I put my retirement funds along with my house downpayment and emergency funds into M*'s X-Ray and got the following:
Total Assets
Domestic Equity: 34%
Foreign Equity: 20%
Bonds: 22%
Cash: 24%
Ages 67/65 - Social Security and Private Pension
I manage approximately 85% of our assets as shown below rebalancing once a year.
5% - Vanguard Money Market Funds
27.5% - Vanguard Total Bond Market
27.5% - Vanguard Inflation Protected Bonds
20% - Vanguard Total Stock Market
15% - Vanguard FTSE World ex-US
5% - Vanguard REIT
My wife manages the remaining 15% of our assets. Some of her assets are allocated in the Coffee House Portfolio manner while other assets are allocated to the Wellington Fund.
I manage approximately 85% of our assets as shown below rebalancing once a year.
5% - Vanguard Money Market Funds
27.5% - Vanguard Total Bond Market
27.5% - Vanguard Inflation Protected Bonds
20% - Vanguard Total Stock Market
15% - Vanguard FTSE World ex-US
5% - Vanguard REIT
My wife manages the remaining 15% of our assets. Some of her assets are allocated in the Coffee House Portfolio manner while other assets are allocated to the Wellington Fund.
Art
Age: 24.
AA: 90/10, not counting floating cash and emergency fund. Probably more like 60/40 if you count those.
Split as follows:
20% S&P 500
20% Total International Index
15% Extended Market Index
15% Small Cap Value
5% International Small
5% International Small Value
5% PIMCO Total Return
5% Schwab Stable Value Account
10% Individual stocks left over from when I played with individual stocks.
More complicated than it needs to be, I know. But I sleep well.
AA: 90/10, not counting floating cash and emergency fund. Probably more like 60/40 if you count those.
Split as follows:
20% S&P 500
20% Total International Index
15% Extended Market Index
15% Small Cap Value
5% International Small
5% International Small Value
5% PIMCO Total Return
5% Schwab Stable Value Account
10% Individual stocks left over from when I played with individual stocks.
More complicated than it needs to be, I know. But I sleep well.
-
- Posts: 57
- Joined: Fri Apr 27, 2007 7:56 am
-
- Posts: 265
- Joined: Sun Apr 15, 2007 2:53 pm
- Location: Upstate NY
- Norbert Schlenker
- Posts: 544
- Joined: Mon Feb 19, 2007 10:06 pm
- Location: The Dry Side of the Wet Coast
Let me throw in a non-USian data point.
Age: 50 (both spouse and myself)
Fixed income
C$ indexed - 12%
C$ nominal - 16%
US$ indexed - 10%
US$ nominal - 12%
Equities
Canada - 20%
US - 10%
EAFE - 15%
EM - 3%
Gold - 2%
i.e. it's 50/50 bonds/stocks and 50/50 domestic/foreign.
No real estate exposure beyond our home because it's >20% of our net worth. No hedge funds, no commodities, no private equity, no leverage.
Age: 50 (both spouse and myself)
Fixed income
C$ indexed - 12%
C$ nominal - 16%
US$ indexed - 10%
US$ nominal - 12%
Equities
Canada - 20%
US - 10%
EAFE - 15%
EM - 3%
Gold - 2%
i.e. it's 50/50 bonds/stocks and 50/50 domestic/foreign.
No real estate exposure beyond our home because it's >20% of our net worth. No hedge funds, no commodities, no private equity, no leverage.
post subject
Retired at age 56, now 64.
2 COLA pensions (VA & NYC) & Soc. Sec. Great Country isn't it.
Cash-----------13%
Bonds----------29%
Large Cap-----21%
Sm/Mid Cap---8%
International--12%
Rental Condo-17% (Reit Exposure)
"LIVING THE DREAM"
2 COLA pensions (VA & NYC) & Soc. Sec. Great Country isn't it.
Cash-----------13%
Bonds----------29%
Large Cap-----21%
Sm/Mid Cap---8%
International--12%
Rental Condo-17% (Reit Exposure)
"LIVING THE DREAM"
- vectorizer
- Posts: 512
- Joined: Sat Mar 03, 2007 2:52 pm
Me 49
Spouse 46
Hoping for retirement at 60
28% bonds (Short Term Invest. + longer individual bonds)
72% stocks
increasing bond proportion by 2% per year, so at age 60 it'll be 50/50
of stocks,
25% international (Total Int'l Mkt)
75% domestic
of domestic,
50% large (large part of Total Stk Mkt)
50% mid/small (other part of TSM + Extended Mkt + Small Cap Idx)
- large / mid /small proportions as defined by Morningstar
- would rather split domestic 4 ways large-value large-growth mid-small-value mid-small-growth
--- 401k limits fund choices, but grateful to have Vanguard funds
Spouse 46
Hoping for retirement at 60
28% bonds (Short Term Invest. + longer individual bonds)
72% stocks
increasing bond proportion by 2% per year, so at age 60 it'll be 50/50
of stocks,
25% international (Total Int'l Mkt)
75% domestic
of domestic,
50% large (large part of Total Stk Mkt)
50% mid/small (other part of TSM + Extended Mkt + Small Cap Idx)
- large / mid /small proportions as defined by Morningstar
- would rather split domestic 4 ways large-value large-growth mid-small-value mid-small-growth
--- 401k limits fund choices, but grateful to have Vanguard funds
Last edited by vectorizer on Thu May 10, 2007 10:57 am, edited 1 time in total.
- WiseNLucky
- Posts: 634
- Joined: Tue Mar 13, 2007 5:14 am
- Location: South Florida
I am 51 and working
She is 51 and retired
Our asset allocation:
She is 51 and retired
Our asset allocation:
Code: Select all
% Port
Cash (non-emerg) 3%
Long-Term Bonds 16%
TIPS 16%
Intermediate Bonds 3%
Junk bonds 2%
Total Fixed Income 40%
Large Cap US Stocks 26%
Small Cap US Stocks 15%
International Stocks 15%
Company Stock 4%
Total Equities 60%
WiseNLucky
Posted here
I try to keep things simple and this is how things are looking as of this week:
http://tinyurl.com/29kdyf
cfs
http://tinyurl.com/29kdyf
cfs
~ Member of the Active Retired Force since 2014 ~
-
- Posts: 648
- Joined: Thu Apr 26, 2007 8:27 am
Age 49
AA: roughly 60/40 (>60% in equity funds, but <60% in equities given the cash, etc. in some of those funds)
Of the equity portion:
1/3 TSM index
7% ext. mkt index
3-5% each LV, SV, and micro indexes
17% intl. LC
3% intl. SC
4% EM
4-5% each US REIT & intl. RE
16% total in FAIRX, TAVFX, and PRWCX
AA: roughly 60/40 (>60% in equity funds, but <60% in equities given the cash, etc. in some of those funds)
Of the equity portion:
1/3 TSM index
7% ext. mkt index
3-5% each LV, SV, and micro indexes
17% intl. LC
3% intl. SC
4% EM
4-5% each US REIT & intl. RE
16% total in FAIRX, TAVFX, and PRWCX
- mephistophles
- Posts: 3110
- Joined: Tue Mar 27, 2007 2:34 am
ASSET ALLOCATION IN 2006
I am in my early 60's.
52% equities, mutual funds and individual stocks
12% bonds, some in high yield
22% cash, CD and Prime Money Market
14% real estate, my home
I also own 24 ounces of gold bullion, oriental carpets, crystal and a few diamonds which I don't include in the above. These should at least hold there value and will probably increase.
Regards,
ole meph
52% equities, mutual funds and individual stocks
12% bonds, some in high yield
22% cash, CD and Prime Money Market
14% real estate, my home
I also own 24 ounces of gold bullion, oriental carpets, crystal and a few diamonds which I don't include in the above. These should at least hold there value and will probably increase.
Regards,
ole meph
age and A-A
I am 70½ Just started RMD
Stock funds 70% (80% VFIAX - 20%VTSMX) In IRA.
Fixed funds 30% ( 100% VMMXX) In Taxable.
Debt free. Live well on SS. Jud
Stock funds 70% (80% VFIAX - 20%VTSMX) In IRA.
Fixed funds 30% ( 100% VMMXX) In Taxable.
Debt free. Live well on SS. Jud
Comfortably retired
64 and a half, retired, decent non-COLA pension coming in, delaying SS to maturity at 65 and 10 months.
40% equities in indexed funds
60% in indexed bond funds
Slightly modified Coffeehouse mix.
I was using the rule 110 minus age in equities until a discussion on this forum led me to a somewhat more conservative position. It was pointed out that I didn't need the risk with my financial position. I'm not all the way to 100 minus age yet but somewhere in between. The ratio will get more conservative 1% a year as I get older.
I am very comfortable with this setup, thanks to the forum.
40% equities in indexed funds
60% in indexed bond funds
Slightly modified Coffeehouse mix.
I was using the rule 110 minus age in equities until a discussion on this forum led me to a somewhat more conservative position. It was pointed out that I didn't need the risk with my financial position. I'm not all the way to 100 minus age yet but somewhere in between. The ratio will get more conservative 1% a year as I get older.
I am very comfortable with this setup, thanks to the forum.
A good landing is one that you can walk away from.
- Goldfinger
- Posts: 142
- Joined: Sun Mar 04, 2007 9:31 am
- Location: Sugar Land, Texas
My .02
42/40
65% equities / 35 % bonds & cash
My equity portion is very light on international, so a major reallocation is forthcoming.
Goldfinger
65% equities / 35 % bonds & cash
My equity portion is very light on international, so a major reallocation is forthcoming.
Goldfinger
"At cocktail parties lovely ladies would corner me and ask my opinion of the market, but alas, when they learned I was a bond man, they would quietly drift away." -- Sidney Homer/Salomon Bros
We both are 62 and retired about 2 years ago.
85% is in IRAs.
AA = 60/40
The 60 is 45/15 US/Intl
The 40 is 30/10 bonds/MM
US Stocks are all Vanguard index funds
LB = 12% of total portfolio
LV = 12%
SB = 7%
SV = 8%
REIT = 6%
International stocks
Vanguard active funds (equally LG and LV) with a bit of DLS small value thrown in.
Bonds
75%Vanguard Total Bond Index and 25% preferred stocks.
85% is in IRAs.
AA = 60/40
The 60 is 45/15 US/Intl
The 40 is 30/10 bonds/MM
US Stocks are all Vanguard index funds
LB = 12% of total portfolio
LV = 12%
SB = 7%
SV = 8%
REIT = 6%
International stocks
Vanguard active funds (equally LG and LV) with a bit of DLS small value thrown in.
Bonds
75%Vanguard Total Bond Index and 25% preferred stocks.