Anybody else Age - 10 in bonds, rest in stocks

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Johm221122
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by Johm221122 » Mon Feb 12, 2018 7:37 pm

I'm 48 and 60% stocks/40% bonds but not because I'm using age minus 10 in bonds
It just fits my current situation

Minty
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by Minty » Mon Feb 12, 2018 7:38 pm

Age minus 13 in bonds. Investment portfolio only, SS and pension excluded from the calculation.
Core Four with nominal bonds and TIPS.

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Ged
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by Ged » Mon Feb 12, 2018 7:47 pm

I did at one time use this guideline. I think it's good pre-retirement.

In retirement not so much. Circumstances vary a lot. For example if your needs are met and you are really managing a bequest a bit more growth is likely to work out better.

ksualum
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by ksualum » Mon Feb 12, 2018 8:18 pm

So Ged can I ask what % you are now? 60/40?

ALinLI
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by ALinLI » Mon Feb 12, 2018 8:21 pm

im 46 and 65/35 stocks bonds so yeah am comfortable here

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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by hawkfan55 » Mon Feb 12, 2018 8:45 pm

Me 62 Retired, DW 59
45/55 Stocks/Bonds and Stable Value
I consider Stable Value similar to bonds at 3.25-3.5% return without interest rate risk.
Closer to age-5 in fixed income
After start of SS (FRA or later) and Pensions, will go to 50/50
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DaftInvestor
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by DaftInvestor » Mon Feb 12, 2018 10:02 pm

I'm Age - 15.

2pedals
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by 2pedals » Mon Feb 12, 2018 10:24 pm

Currently age bonds at 58 years old. Conservatively I do not count expected pension, only invested money.

If I added my expected pension value to my bond and stable value investments I would be age + 15 in bonds. I sleep well at night.

North Texas Cajun
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by North Texas Cajun » Mon Feb 12, 2018 10:33 pm

JimmyD wrote:
Sun Feb 11, 2018 1:43 am
For those of you not in retirement who have a cash position, is the cash largely your emergency fund?

If not, and apologies if this is a dumb question, but why bother with it?
I think for my last 20 working years I had 6 months post-tax income in cash. Yes, it was our emergency fund. By the time I retired it was a small part of our portfolio.

I cannot remember when I started, but as my wife neared retirement, I was moving some equity savings into bonds. Pensions and social security easily cover all of our non-discretionary expenses. We have about 12 years of discretionary expenses in bonds.

WanderingDoc
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by WanderingDoc » Tue Feb 13, 2018 2:15 am

Age 32

40% stocks
5% bonds
55% cash
Don't wait to buy real estate. Buy real estate, and wait. | Rent where you live, buy where others pay your mortgage for you.

Jim85
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by Jim85 » Tue Feb 13, 2018 7:44 am

Age 61.

47.5% Bonds
47.5% Stock
5% Cash (MM, CDs, etc.)

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Ged
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by Ged » Tue Feb 13, 2018 8:13 am

ksualum wrote:
Mon Feb 12, 2018 8:18 pm
So Ged can I ask what % you are now? 60/40?
I am 68 years old, and target 50/50. I plan to go to 60/40 when I start taking SS at age 70.

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dccboone
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by dccboone » Tue Feb 13, 2018 9:49 am

I am currently - age 60 and 50/50. But it's only happenstance. IPS states I will remain at 50/50 until age 70.

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Kalo
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by Kalo » Tue Feb 13, 2018 7:26 pm

Age 57, fixed income 44 or 45%.

I don't follow age - X in bonds. I follow keep in bonds what you cannot afford to lose a la Taylor Larimore. I have a little more in bonds than I need to live on until SS at 70yo. The question is what I will do if the markets tank. I have some extra in fixed income. But I may be reluctant to buy equities in a falling market if it takes me below the amount I need to bridge to SS.

If equities continue to climb from here I will consider buying more bonds.

I am ok with 50-55% in equities. Not too worried about missing out on equity appreciation. Am reluctant to have to go back to work because of financial necessity.

Kalo
"When people say they have a high risk tolerance, what they really mean is that they are willing to make a lot of money." -- Ben Stein/Phil DeMuth - The Little Book of Bullet Proof Investing.

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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by sschullo » Tue Feb 13, 2018 7:49 pm

Age 70
33/67 stock/bonds. Very conservative for over a decade and very happy with the results.
Public School K-12 Educators: "Ask NOT what your annuity sales person can do for you, ask what you can do to be a Do-It-Yourselfer (DIY)."

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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by UpperNwGuy » Tue Feb 13, 2018 8:01 pm

Age 65
60/40 stocks/bonds
I plan to stick with age minus 20 in bonds, and only changing my AA once a decade. I plan to be 50/50 in my 70s and 40/60 in my 80s. I haven't yet decided what my AA will be if I make it into my 90s.

SirRunsabit
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by SirRunsabit » Wed Feb 14, 2018 2:01 am

Age -10 in bonds by accident of age. I think in fractions or odds. 1/3 bonds. Probably stay that way for quite some time.
Hi!

michaelc
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by michaelc » Fri Mar 30, 2018 10:12 am

I am 55, single, no kids...

60% stocks, with international
40% bonds, with international

403(b) assets - $425,000.00
Roth IRA assets - $80,000.00

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mhadden1
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by mhadden1 » Fri Mar 30, 2018 10:23 am

GoldenFinch wrote:
Fri Jan 06, 2017 11:27 pm
Age 50 :shock:
77-23 stocks-bonds

Was always all equity until I read all those "Why bonds?" threads here.

Thanks Bogleheads! :sharebeer
Age 60, :shock: :shock:
70-30

Also was all equity in the BBH era (Before BogleHeads)
Also, thanks BogleHeads! :sharebeer
Oh I can't, can I? That's what they said to Thomas Edison, mighty inventor, Thomas Lindberg, mighty flyer,and Thomas Shefsky, mighty like a rose.

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Pranav
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by Pranav » Fri Mar 30, 2018 11:19 am

llama wrote:
Sun Jan 08, 2017 2:40 am
TinkerPDX wrote:I have enjoyed my spreadsheet's real-time adjustment by pegging the bond % to a formula with the "=TODAY()" function and the average of our birthdays, so our allocation changes 1/365th of a percent each day.
We used to do exactly this as well until our average age hit 40. Now we're staying at 60/40 for the foreseeable future.
What’s the formula with =TODAY() that increments 1/365th of a percent each day?
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bling
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by bling » Fri Mar 30, 2018 11:26 am

i'm currently age-5 in bonds.

however, curious if anyone uses 2 years expenses in bonds, everything else stocks?

BogleBoogie
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by BogleBoogie » Fri Mar 30, 2018 11:37 am

I've gone from age -15 in bonds to age in bonds over the last 5 years. I've found myself becoming increasingly more conservative after mulling over hundreds, maybe thousands, of threads on this site. For me, I've become to realize I have less need to take on the additional risk. Of course when we are talking about changing an AA by 10-15% this isn't a tremendous shift in risk!

I like age - 10 in general. It's simple!

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triceratop
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by triceratop » Fri Mar 30, 2018 11:41 am

I am age-16 in bonds. I probably will be at my current bond % for 20 years or more, so I anticipate answering "age - 35" in the future versions of this question.
"To play the stock market is to play musical chairs under the chord progression of a bid-ask spread."

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mhadden1
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by mhadden1 » Fri Mar 30, 2018 11:49 am

bling wrote:
Fri Mar 30, 2018 11:26 am
i'm currently age-5 in bonds.

however, curious if anyone uses 2 years expenses in bonds, everything else stocks?
Just two years of expenses in bonds is way aggressive for me. What I would like my fairly aggressive 70-30 to mean is, the ability to cover expected expenses until age 70 when I become an artist and draw my SS, after which expenses are covered. I may sell some equities if it seems advantageous but hopefully will never be forced to do so in a down market.
Oh I can't, can I? That's what they said to Thomas Edison, mighty inventor, Thomas Lindberg, mighty flyer,and Thomas Shefsky, mighty like a rose.

radiowave
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by radiowave » Fri Mar 30, 2018 11:51 am

Age - 20 in bonds which is a little more aggressive than our IPS calls for, mostly being lazy about rebalancing, working towards retirement threshold at 50/50. Note, I count CDs and Treasury Bills as bonds.
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DrDrXanderLi
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by DrDrXanderLi » Fri Mar 30, 2018 12:25 pm

Pranav wrote:
Fri Mar 30, 2018 11:19 am
llama wrote:
Sun Jan 08, 2017 2:40 am
TinkerPDX wrote:I have enjoyed my spreadsheet's real-time adjustment by pegging the bond % to a formula with the "=TODAY()" function and the average of our birthdays, so our allocation changes 1/365th of a percent each day.
We used to do exactly this as well until our average age hit 40. Now we're staying at 60/40 for the foreseeable future.
What’s the formula with =TODAY() that increments 1/365th of a percent each day?

Code: Select all

=(DATEDIF("mm/did/yyyy",TODAY(),"D")/36525)-V28
Where V28 is your offset percentage ie .10 for age minus 10

Exafchick
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by Exafchick » Fri Mar 30, 2018 2:52 pm

I just turned 49 in Dec and have 80/20 AA. I plan to keep that allocation until I retire at age 65 or 67. I feel like I can be a bit more aggressive since I have a guaranteed military pension (since 2007). Fingers crossed I can average 6.5% return on Roth IRA and 401k so that between them and pension I should be just fine. Social Security will be a bonus!

xenochrony
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Re: Anybody else Age - 10 in bonds, rest in stocks

Post by xenochrony » Sat Mar 31, 2018 1:50 pm

49 years old, no pension, have been 80/20 for some time now, currently gliding to 75/25 using new contributions. Probably about halfway there at the moment.

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