Any other investors with 70/30 portfolio?

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truenorth418
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Re: Any other investors with 70/30 portfolio?

Post by truenorth418 » Fri Mar 13, 2015 8:40 am

I'm at 70/30.

I'm retired, age 50, but I have a small pension and social security awaiting me down the road and (hopefully) a long time horizon.

garlandwhizzer
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Re: Any other investors with 70/30 portfolio?

Post by garlandwhizzer » Fri Mar 13, 2015 11:04 am

I'm 68, retired for 17 years, and still am between 70/30 and 75/25. I hold bonds only for stability because I don't expect any positive real return from bonds over the next decade or more. Stocks also in my opinion will have muted returns going forward, somewhere around 4% real for a US/INTL equity portfolio with a lot of volatility. 4% however is s a lot better than zero and worth the risk in my opinion.

Garland Whizzer

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matjen
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Re: Any other investors with 70/30 portfolio?

Post by matjen » Fri Mar 13, 2015 11:07 am

I'm 49 in a matter of weeks and at 75/25 but slowly inching toward 70/30. However, I have a pretty good tilt toward SCV and 4%-5% of my portfolio is in QSPIX so one could say that my 75/25 is more risky than a 3-funder...or not.
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Re: Any other investors with 70/30 portfolio?

Post by Random Walker » Fri Mar 13, 2015 10:49 pm

I was a little surprised when my advisor described me as 70/30. I'm 66% equities, 24% bonds, 4% REITs, 3% CCFs, 3% QSPIX. The advisor considered REITs equities and CCFs and QSPIX as more fixed income like. I suppose CCFs and QSPIX are way more risky than bonds, but I like the way they mix in the portfolio. I got to believe they improve the portfolio's Sharpe ratio. My equities are pretty heavily tilted to small and value.

Dave

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Re: Any other investors with 70/30 portfolio?

Post by downshiftme » Sat Mar 14, 2015 12:08 am

Not quite 60 years old, I took the Vanguard risk questionnaire (current topic in another thread: viewtopic.php?f=2&t=160855&newpost=2417318 ) and it recommended 70/30 when I opened my Vanguard accounts. I was inspired by the other thread to repeat the questionnaire recently, and it still recommends 70/30. I've been rebalancing all along, so I'm holding to my 70/30 and likely will for some time. Even at my age, some of this portfolio will likely grow for a long time and benefit heirs.

yolli71
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Re: Any other investors with 70/30 portfolio?

Post by yolli71 » Sat Mar 14, 2015 2:01 pm

riptide wrote:Any others with 70% stocks/ 30% bonds like I currently have and hope to hold for years. And, what are your plans?
Age 45, I have a Federal government Pension and invested in TSP.
Yes, my situation is very similar to yours. I'm 43 and work for the Fed govt and invest in the TSP. I'm at 70/30. My wife is 35 and works for the govt as well. I've been thinking of bumping up to 75/25 or possibly even 80/20 since we'll have 2 pensions and have 20+ more years before retirement.

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stemikger
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Re: Any other investors with 70/30 portfolio?

Post by stemikger » Sat Mar 14, 2015 4:15 pm

garlandwhizzer wrote:I'm 68, retired for 17 years, and still am between 70/30 and 75/25. I hold bonds only for stability because I don't expect any positive real return from bonds over the next decade or more. Stocks also in my opinion will have muted returns going forward, somewhere around 4% real for a US/INTL equity portfolio with a lot of volatility. 4% however is s a lot better than zero and worth the risk in my opinion.

Garland Whizzer
I think this is where the Vanguard Target Retirement funds got it all wrong. They are way too conservative when someone is in retirement. I believe it is 30% in stocks for the Vanguard Target Retirement Income Fund. I plan on doing something similar to you but a little more conservative at 60/40 for life. I'm not sure 70/30 will give me the proper amount sleep at 68. I'm 50 and hold 65/35 and the day I retire (hopefully at 60 or 62) it all goes into the Vanguard Balanced Index Fund and will stay there for life.
Choose Simplicity ~ Stay the Course!! ~ Press on Regardless!!!

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avenger
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Re: Any other investors with 70/30 portfolio?

Post by avenger » Sun Mar 22, 2015 7:16 pm

35 years old, at 75/25 now. Increasing FI allocation by 1+ per year, so will be at 70/30 at 40 years old.
cheers ... -Mark | "Our life is frittered away with detail. Simplify. Simplify." -Henry David Thoreau | [3 fund portfolio: VTI, VXUS, SV fund (yield 3.01%)]

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Re: Any other investors with 70/30 portfolio?

Post by malabargold » Sun Mar 22, 2015 7:41 pm

In 50's, no pension. 95% stock, 5% cash. It will stay that way, que sera

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Re: Any other investors with 70/30 portfolio?

Post by Tyrobi » Sun Mar 22, 2015 7:55 pm

I'm 35 with a target 70/30. Currently, the actual % is 68/32.
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Re: Any other investors with 70/30 portfolio?

Post by hoppy08520 » Sun Mar 22, 2015 8:02 pm

I'm at 70/30 and I'm 45 years old. When I found Bogleheads 3 years ago I was 80/20 but absorbing this site made me drift to a slightly more conservative AA although I've also added some SCV and REIT tilts at the same time.

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riptide
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Re: Any other investors with 70/30 portfolio?

Post by riptide » Tue Mar 31, 2015 10:29 am

nedsaid wrote:I am 55 years old and have a 70/30 portfolio. It has been there since maybe 2003-2004. It has fluctuated a bit but essentially I have been there about 10 years or so.
:thumbsup :thumbsup :thumbsup
Brokerage account 70/30 | VG total Market 40% | VG total Intl 11% | VG small cap value 12% | VG Reit index 7% | VG Total Bond 30% | TSP Account 75/25 | C Fund 45%, S 15%, I 15%, G 25% | EE Bonds=Emergency Fund

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Re: Any other investors with 70/30 portfolio?

Post by Imbros » Tue Mar 31, 2015 10:53 am

I am 33 and I try to stay at 75/25 allocation within -/+3 band.
There is no greatness where there is no simplicity, goodness and truth. -L. Tolstoy

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Re: Any other investors with 70/30 portfolio?

Post by dad2000 » Tue Mar 31, 2015 11:13 am

We are in mid-late 40s.

On track to FI in 4-7 years assuming no employment or other unplanned shocks. Other than SS, we only expect small pension ($500/mo).

Was 70/30 for many years until this January, when I lowered to 68/32. I am moderately tilted, so riskier than it sounds. I plan on reducing equities by 2-3% annually since my need to take risk is decreasing.

In retirement, I expect AA to always be between 40/60 - 60/40, probably adjusting with market valuation.

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Re: Any other investors with 70/30 portfolio?

Post by LLTF1836 » Tue Mar 31, 2015 11:42 am

I'm 27 years old and just switched to 70/30 this week. I had previously been 100% equities but made the switch after reading Taylor Larimore's post about what a true prolonged market crash feels like and deciding there is no way I can say with any degree of certainty that I would be able to stay the course at 100% equities. I'm hoping to be able to move back towards 100% equities after I weather my first real market crash. For those who haven't read it, I would highly recommend it:
Taylor Larimore wrote:Felix:

I think it is impossible to know our risk tolerance until we have experienced a bad (and lengthy) bear market. For this reason, I think nearly every new investor should have 20%-50% in bonds.

This is my earlier post on the subject:
Hi Bogleheads:

Our family owned "Larimore's Diner" in Foxboro, Mass. in 1929. When the depression hit, my parents lost the Diner and we moved to Miami into one of my grandfather's empty homes.

My Grandfather, Christopher F. Coombs, was one of the three principals of American Founders Group, the largest investment trust in the roaring 20s. He lost nearly everything (approximately $50M)--including the Miami home we lived in (next door to where I live today).

These figures show what REAL bear markets are like:

BEAR MARKET OF 1929-1937 (Dow plunged 89%)

-1929--1930--1931--1932
(-31%)(-25%)(-43%)(-08%) Large Cap Stocks
(-34%)(-35%)(-47%)(-06%) Mid/Small Cap Stocks
(-47%)(-38%)(-50%)(-05%) Micro Cap Stocks

(+04%)(+07%)(-02%)(+09%) 5-Year Treasury Bonds

BEAR MARKET OF 1973-1976 (S&P fell 43%)
-1973--1974
(-15%)(-26%) Large Caps
(-39%)(-29%) Micro Caps

(-70%) Coca-Cola
(-82%) Intel
(-73%) McDonald's
(-86%) Merrill Lynch
(-86%) Walt Disney
(-71%) Xerox

Figures cannot convey the horrifying and debilitating effects of a deep and long bear market. You watch in agony as month after month your life savings evaporate before your eyes. Gloom and doom articles are in the media, radio, (and now TV and internet). Nearly everyone else is selling. You have no idea when, or if, your portfolio will stop losing money.

Your friends and relatives urge you to sell. Nearly all financial experts recommend "sell". You are ridiculed for trying to hold on. You begin to have self-doubt. Dispair sets in. Buying stocks is unthinkable. Suicide's increase.

That's what a bad bear market is like.
Best wishes.
Taylor

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Leif
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Re: Any other investors with 70/30 portfolio?

Post by Leif » Tue Mar 31, 2015 11:57 am

There are many considerations other then age to determine asset allocation.

However, given just your age 70% seems high for someone that is 45. Probably equity around 60% is better. Particularly given the near all time high (not inflation adjusted) for US equity.

I've set rebalancing bands for equity. The last few years I've been selling. Nothing dramatic, but staying within my bands.

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Re: Any other investors with 70/30 portfolio?

Post by DaftInvestor » Tue Mar 31, 2015 12:12 pm

I'm another proud member of the 70/30 club at age 47. I was somewhere around 80/20 through my 20's and 30's - went to 75/25 in my early 40's and shifted to 70/30 recently. I plan on staying at 70/30 (not counting emergency cash - I may actually try to increase my cash in my 50's) until I'm in my late 50's then will shift down to 60/40 gradually.

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Re: Any other investors with 70/30 portfolio?

Post by pacodelostigres » Tue Mar 31, 2015 12:37 pm

I'm 36 and we're currently 61/39.

All of DW's choices in her 401k are relatively costly except for one Vanguard bond fund, and I'm hoping to have the option to retire within 10 years, so I'm more conservative than age would suggest.

Also, I'm a little more willing than most here to move AA around with valuations and have let the FI percentage drift up in the last year. Should the market tank, I'd probably rebalance and then some. Should we repeat the financial crisis I'd probably go all in on total world or similar.

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Will do good
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Re: Any other investors with 70/30 portfolio?

Post by Will do good » Tue Mar 31, 2015 1:48 pm

TwoByFour wrote:I am at about 68/32. I am 63 years old. I was at 100% equities for 30+ years. Still getting used to the idea of owning any bonds at all. But, as someone above mentioned, staying high in equities for so many years has put me in a good position.
+1

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riptide
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Re: Any other investors with 70/30 portfolio?

Post by riptide » Tue Mar 31, 2015 1:57 pm

yolli71 wrote:
riptide wrote:Any others with 70% stocks/ 30% bonds like I currently have and hope to hold for years. And, what are your plans?
Age 45, I have a Federal government Pension and invested in TSP.
Yes, my situation is very similar to yours. I'm 43 and work for the Fed govt and invest in the TSP. I'm at 70/30. My wife is 35 and works for the govt as well. I've been thinking of bumping up to 75/25 or possibly even 80/20 since we'll have 2 pensions and have 20+ more years before retirement.

Very cool, you have quite a stable security back up , so you can go 75/25 , don't go past that - Ben Graham says stay at least 25 % bonds to everybody.
Brokerage account 70/30 | VG total Market 40% | VG total Intl 11% | VG small cap value 12% | VG Reit index 7% | VG Total Bond 30% | TSP Account 75/25 | C Fund 45%, S 15%, I 15%, G 25% | EE Bonds=Emergency Fund

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kenyan
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Re: Any other investors with 70/30 portfolio?

Post by kenyan » Tue Mar 31, 2015 2:05 pm

Currently at 73/27. I hope to retire in my mid-50s, and I'm currently gliding toward 70/30 in an Age-10% in bonds allocation. My original plan was to keep gliding at that rate, but I'm pondering a change to my IPS to quit gliding at 70/30 and remain there for 10 years. We'll see if I make that change - I'm giving myself the next year to decide.
Retirement investing is a marathon.

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riptide
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Re: Any other investors with 70/30 portfolio?

Post by riptide » Tue Mar 31, 2015 4:48 pm

This group is growing, it's great! It encourages me to stay the course through the storms!
Brokerage account 70/30 | VG total Market 40% | VG total Intl 11% | VG small cap value 12% | VG Reit index 7% | VG Total Bond 30% | TSP Account 75/25 | C Fund 45%, S 15%, I 15%, G 25% | EE Bonds=Emergency Fund

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Re: Any other investors with 70/30 portfolio?

Post by dru808 » Thu Mar 26, 2020 4:45 am

Who’s the boglehead/author that talks about, never less than 30% equities and never more than 70% equities?

Edit: did not realize this topic was so old. Sorry
75/25 - schk, schd, vdigx, vigi / vwelx, vsmgx / govt

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Re: Any other investors with 70/30 portfolio?

Post by Triple digit golfer » Thu Mar 26, 2020 5:36 am

dru808 wrote:
Thu Mar 26, 2020 4:45 am
Who’s the boglehead/author that talks about, never less than 30% equities and never more than 70% equities?

Edit: did not realize this topic was so old. Sorry
That would be the wise KlangFool.

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Re: Any other investors with 70/30 portfolio?

Post by Compound » Thu Mar 26, 2020 6:10 am

dru808 wrote:
Thu Mar 26, 2020 4:45 am
Who’s the boglehead/author that talks about, never less than 30% equities and never more than 70% equities?

Edit: did not realize this topic was so old. Sorry
I believe Benjamin Graham (who predates Bogleheads) advised as such, but used 25% and 75% as the lower and upper bounds for equities.

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Re: Any other investors with 70/30 portfolio?

Post by Johnsson » Thu Mar 26, 2020 6:40 am

Was 100% until 2 years ago at age 56 (after I found Bogleheads).

Then decided to be 70/30 for life.

Then I decided to be 60/40 for life.

I saw this on Bogleheads (sorry, I can't remember who posted it), tied to how much you have... and thought it made a lot of sense...

up to 25x... 70/30
25-30x... 60/40
30-35x... 50/50
35x +... 40/60

We're about 32x as of today.

My thoughts are continuing to evolve (as my mind erodes).

:sharebeer
'In theory there is no difference between theory and practice. In practice there is.' Yogi Berra

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Re: Any other investors with 70/30 portfolio?

Post by theorist » Thu Mar 26, 2020 6:50 am

Happy to see this thread! I’m 49 with a 70/30 allocation, and it is good to see lots of company. (At least, 5 years ago.)
Last edited by theorist on Thu Mar 26, 2020 9:39 am, edited 1 time in total.

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Re: Any other investors with 70/30 portfolio?

Post by Tyrobi » Thu Mar 26, 2020 7:48 am

Tyrobi wrote:
Sun Mar 22, 2015 7:55 pm
I'm 35 with a target 70/30. Currently, the actual % is 68/32.
I'm 40 and our target is still 70/30. I'm staying the course.

Nice to see this thread again.
Three-fund portfolio | "Simplicity is the master key to financial success." John C. Bogle

alex345
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Re: Any other investors with 70/30 portfolio?

Post by alex345 » Thu Mar 26, 2020 7:58 am

At 35 I started with 65% / 35% are my target allocation but I'm at 57 / 43 right now due to the downturn. I was taking more risk on my non-stock side (half of the 35% was in TIAA real estate but I sold all of that last week). I'm glad right now I have so much $ to rebalance into stocks!

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Re: Any other investors with 70/30 portfolio?

Post by CnC » Thu Mar 26, 2020 9:02 am

riptide wrote:
Fri Jan 30, 2015 8:30 am
Any others with 70% stocks/ 30% bonds like I currently have and hope to hold for years. And, what are your plans?
Age 45, I have a Federal government Pension and invested in TSP.
Just wanted to mention, 70/30 with a govt pension is not the same as a normal person with a 70/30.

I have a govt pension and it adds significant safety to your portfolio. It transforms your AA to closer to 40/60.

vipertom1970
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Re: Any other investors with 70/30 portfolio?

Post by vipertom1970 » Thu Mar 26, 2020 9:22 am

kolea wrote:
Sat Jan 31, 2015 7:38 pm
I am at about 68/32. I am 63 years old. I was at 100% equities for 30+ years. Still getting used to the idea of owning any bonds at all. But, as someone above mentioned, staying high in equities for so many years has put me in a good position.
I know what mean trying to get used to owning bonds after being 100% equities for So long.
I retired last year at 50 with 100% equities, gave bonds a try (40%) for 6 months but now going back to 100% equities. 100% equities last 25 years got me to 52x annual expenses and this why I don’t believe bonds for young investors during accumulation phase.
Last edited by vipertom1970 on Thu Mar 26, 2020 9:27 am, edited 1 time in total.

vipertom1970
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Re: Any other investors with 70/30 portfolio?

Post by vipertom1970 » Thu Mar 26, 2020 9:22 am

Double post

Triple digit golfer
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Re: Any other investors with 70/30 portfolio?

Post by Triple digit golfer » Thu Mar 26, 2020 10:05 am

Johnsson wrote:
Thu Mar 26, 2020 6:40 am
Was 100% until 2 years ago at age 56 (after I found Bogleheads).

Then decided to be 70/30 for life.

Then I decided to be 60/40 for life.

I saw this on Bogleheads (sorry, I can't remember who posted it), tied to how much you have... and thought it made a lot of sense...

up to 25x... 70/30
25-30x... 60/40
30-35x... 50/50
35x +... 40/60

We're about 32x as of today.

My thoughts are continuing to evolve (as my mind erodes).

:sharebeer
That would be the wise Phineas J Whoopee!

Triple digit golfer
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Re: Any other investors with 70/30 portfolio?

Post by Triple digit golfer » Thu Mar 26, 2020 10:07 am

vipertom1970 wrote:
Thu Mar 26, 2020 9:22 am
kolea wrote:
Sat Jan 31, 2015 7:38 pm
I am at about 68/32. I am 63 years old. I was at 100% equities for 30+ years. Still getting used to the idea of owning any bonds at all. But, as someone above mentioned, staying high in equities for so many years has put me in a good position.
I know what mean trying to get used to owning bonds after being 100% equities for So long.
I retired last year at 50 with 100% equities, gave bonds a try (40%) for 6 months but now going back to 100% equities. 100% equities last 25 years got me to 52x annual expenses and this why I don’t believe bonds for young investors during accumulation phase.
What about an emergency fund outside the portfolio?

vipertom1970
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Re: Any other investors with 70/30 portfolio?

Post by vipertom1970 » Thu Mar 26, 2020 10:10 am

Triple digit golfer wrote:
Thu Mar 26, 2020 10:07 am
vipertom1970 wrote:
Thu Mar 26, 2020 9:22 am
kolea wrote:
Sat Jan 31, 2015 7:38 pm
I am at about 68/32. I am 63 years old. I was at 100% equities for 30+ years. Still getting used to the idea of owning any bonds at all. But, as someone above mentioned, staying high in equities for so many years has put me in a good position.
I know what mean trying to get used to owning bonds after being 100% equities for So long.
I retired last year at 50 with 100% equities, gave bonds a try (40%) for 6 months but now going back to 100% equities. 100% equities last 25 years got me to 52x annual expenses and this why I don’t believe bonds for young investors during accumulation phase.
What about an emergency fund outside the portfolio?
OK then with 2 years of EF I am 96/4 :D

Triple digit golfer
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Re: Any other investors with 70/30 portfolio?

Post by Triple digit golfer » Thu Mar 26, 2020 10:17 am

vipertom1970 wrote:
Thu Mar 26, 2020 10:10 am
Triple digit golfer wrote:
Thu Mar 26, 2020 10:07 am
vipertom1970 wrote:
Thu Mar 26, 2020 9:22 am
kolea wrote:
Sat Jan 31, 2015 7:38 pm
I am at about 68/32. I am 63 years old. I was at 100% equities for 30+ years. Still getting used to the idea of owning any bonds at all. But, as someone above mentioned, staying high in equities for so many years has put me in a good position.
I know what mean trying to get used to owning bonds after being 100% equities for So long.
I retired last year at 50 with 100% equities, gave bonds a try (40%) for 6 months but now going back to 100% equities. 100% equities last 25 years got me to 52x annual expenses and this why I don’t believe bonds for young investors during accumulation phase.
What about an emergency fund outside the portfolio?
OK then with 2 years of EF I am 96/4 :D
Is that what you typically recommend to young investors? 2 years separate emergency fund plus 100% equities in the AA?

vipertom1970
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Re: Any other investors with 70/30 portfolio?

Post by vipertom1970 » Thu Mar 26, 2020 10:24 am

Triple digit golfer wrote:
Thu Mar 26, 2020 10:17 am
vipertom1970 wrote:
Thu Mar 26, 2020 10:10 am
Triple digit golfer wrote:
Thu Mar 26, 2020 10:07 am
vipertom1970 wrote:
Thu Mar 26, 2020 9:22 am
kolea wrote:
Sat Jan 31, 2015 7:38 pm
I am at about 68/32. I am 63 years old. I was at 100% equities for 30+ years. Still getting used to the idea of owning any bonds at all. But, as someone above mentioned, staying high in equities for so many years has put me in a good position.
I know what mean trying to get used to owning bonds after being 100% equities for So long.
I retired last year at 50 with 100% equities, gave bonds a try (40%) for 6 months but now going back to 100% equities. 100% equities last 25 years got me to 52x annual expenses and this why I don’t believe bonds for young investors during accumulation phase.
What about an emergency fund outside the portfolio?
OK then with 2 years of EF I am 96/4 :D
Is that what you typically recommend to young investors? 2 years separate emergency fund plus 100% equities in the AA?
2-6 months max for young investors. My 24 years old daughter has 1 month of EF in saving, 100% equites but she has a secured job as ICU nurse.
Last edited by vipertom1970 on Thu Mar 26, 2020 12:32 pm, edited 1 time in total.

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Ray_McKigney
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Re: Any other investors with 70/30 portfolio?

Post by Ray_McKigney » Thu Mar 26, 2020 10:24 am

70/30 is too complicated for me.

So I'm 2/3.

I like thirds. :happy

48 years-old; plan to retire in 7 years or less.
Master of my domain

Triple digit golfer
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Re: Any other investors with 70/30 portfolio?

Post by Triple digit golfer » Thu Mar 26, 2020 10:27 am

vipertom1970 wrote:
Thu Mar 26, 2020 10:24 am
Triple digit golfer wrote:
Thu Mar 26, 2020 10:17 am
vipertom1970 wrote:
Thu Mar 26, 2020 10:10 am
Triple digit golfer wrote:
Thu Mar 26, 2020 10:07 am
vipertom1970 wrote:
Thu Mar 26, 2020 9:22 am


I know what mean trying to get used to owning bonds after being 100% equities for So long.
I retired last year at 50 with 100% equities, gave bonds a try (40%) for 6 months but now going back to 100% equities. 100% equities last 25 years got me to 52x annual expenses and this why I don’t believe bonds for young investors during accumulation phase.
What about an emergency fund outside the portfolio?
OK then with 2 years of EF I am 96/4 :D
Is that what you typically recommend to young investors? 2 years separate emergency fund plus 100% equities in the AA?
2-6 months max for young investors. My 24 years old daughter has 1 month of EF in saving, 100% equites but she has a secure job as ICU nurse.
How about a mid 30's family with one income and an average corporate job, with average corporate job security?

dru808
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Re: Any other investors with 70/30 portfolio?

Post by dru808 » Thu Mar 26, 2020 10:35 am

Compound wrote:
Thu Mar 26, 2020 6:10 am
dru808 wrote:
Thu Mar 26, 2020 4:45 am
Who’s the boglehead/author that talks about, never less than 30% equities and never more than 70% equities?

Edit: did not realize this topic was so old. Sorry
I believe Benjamin Graham (who predates Bogleheads) advised as such, but used 25% and 75% as the lower and upper bounds for equities.
That’s it, lol, Ive never read the book, I swear I remember a few posters posting “I follow the rule by _____, no less than 30%, no more than 70% equity.”

I search high and low and it ends up being 25-75 :confused. Thank you
75/25 - schk, schd, vdigx, vigi / vwelx, vsmgx / govt

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Re: Any other investors with 70/30 portfolio?

Post by vipertom1970 » Thu Mar 26, 2020 10:39 am

Triple digit golfer wrote:
Thu Mar 26, 2020 10:27 am
vipertom1970 wrote:
Thu Mar 26, 2020 10:24 am
Triple digit golfer wrote:
Thu Mar 26, 2020 10:17 am
vipertom1970 wrote:
Thu Mar 26, 2020 10:10 am
Triple digit golfer wrote:
Thu Mar 26, 2020 10:07 am


What about an emergency fund outside the portfolio?
OK then with 2 years of EF I am 96/4 :D
Is that what you typically recommend to young investors? 2 years separate emergency fund plus 100% equities in the AA?
2-6 months max for young investors. My 24 years old daughter has 1 month of EF in saving, 100% equites but she has a secure job as ICU nurse.
How about a mid 30's family with one income and an average corporate job, with average corporate job security?
Every family situation is different, but was debt free at 32 in Socal,1 kid, one income and had like 6 months of EF because my saving rate was like 50% with no mortgage and pretty much LBYM.

CobraKai
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Re: Any other investors with 70/30 portfolio?

Post by CobraKai » Thu Mar 26, 2020 11:45 am

asif408 wrote:
Fri Jan 30, 2015 8:48 am
I do. I'm in my 30s, and it appears I am more conservative than most Bogleheads my age. As Dr. Bernstein said in one of his books, you have to find your equipoise point. For me, 70/30 felt that way after some research and backtesting of portfolios (and looking at my own portfolio's performance over the years), though I have been considering bumping up to an 80/20 allocation, so I think my equipoise point is changing slightly.
What happened to the old 100-age/age allocation that used to be recommended?

That long bull market seems to have made a lot of folks more comfortable deviating from that and putting significantly more in equities.

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Re: Any other investors with 70/30 portfolio?

Post by White Coat Investor » Thu Mar 26, 2020 11:47 am

riptide wrote:
Fri Jan 30, 2015 8:30 am
Any others with 70% stocks/ 30% bonds like I currently have and hope to hold for years. And, what are your plans?
Age 45, I have a Federal government Pension and invested in TSP.
I'm 44. Similar allocation. Also with some TSP. Also plan to hold for years.
1) Invest you must 2) Time is your friend 3) Impulse is your enemy | 4) Basic arithmetic works 5) Stick to simplicity 6) Stay the course

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Re: Any other investors with 70/30 portfolio?

Post by CobraKai » Thu Mar 26, 2020 12:03 pm

asif408 wrote:
Fri Jan 30, 2015 8:48 am
I do. I'm in my 30s, and it appears I am more conservative than most Bogleheads my age. As Dr. Bernstein said in one of his books, you have to find your equipoise point. For me, 70/30 felt that way after some research and backtesting of portfolios (and looking at my own portfolio's performance over the years), though I have been considering bumping up to an 80/20 allocation, so I think my equipoise point is changing slightly.
Conservative? What happened to the old 100-age/age allocation that used to be recommended?

Seems that the super long bull market made folks more risk averse in recent years.

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Re: Any other investors with 70/30 portfolio?

Post by vipertom1970 » Thu Mar 26, 2020 12:41 pm

CobraKai wrote:
Thu Mar 26, 2020 12:03 pm
What happened to the old 100-age/age allocation that used to be recommended?
it's a good starting point but you are sure missing out a lot during the bull market and remember bull run is long and bear attack is usually short-lived.

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Re: Any other investors with 70/30 portfolio?

Post by Stick5vw » Thu Mar 26, 2020 3:29 pm

vipertom1970 wrote:
Thu Mar 26, 2020 12:41 pm
CobraKai wrote:
Thu Mar 26, 2020 12:03 pm
What happened to the old 100-age/age allocation that used to be recommended?
it's a good starting point but you are sure missing out a lot during the bull market and remember bull run is long and bear attack is usually short-lived.
This, and life is expensive. I haven’t run the numbers, but having so much in bonds at such paltry yields - and when costs of education, housing, medical care etc have been shooting through the roof for years - likely means that 100-age means too much performance is left on the table. Happy to be proven wrong but that extra juice on the equity side can make a huge difference over several decades.

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Re: Any other investors with 70/30 portfolio?

Post by radeon962 » Thu Mar 26, 2020 7:23 pm

52 and moved to 70/30 at age 50. Currently at 65/35 with the downturn.

Plan is to move to 65/35 at 55 and 60/40 at 60 and then adjust down to 50/50 over the next 10 years and take SS at 70.

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Re: Any other investors with 70/30 portfolio?

Post by CobraKai » Thu Mar 26, 2020 7:42 pm

Stick5vw wrote:
Thu Mar 26, 2020 3:29 pm
vipertom1970 wrote:
Thu Mar 26, 2020 12:41 pm
CobraKai wrote:
Thu Mar 26, 2020 12:03 pm
What happened to the old 100-age/age allocation that used to be recommended?
it's a good starting point but you are sure missing out a lot during the bull market and remember bull run is long and bear attack is usually short-lived.
This, and life is expensive. I haven’t run the numbers, but having so much in bonds at such paltry yields - and when costs of education, housing, medical care etc have been shooting through the roof for years - likely means that 100-age means too much performance is left on the table. Happy to be proven wrong but that extra juice on the equity side can make a huge difference over several decades.
Timing is everything though. It may have changed over the past few days, but somebody posted that gold has outperformed stocks since the year 2000.

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Re: Any other investors with 70/30 portfolio?

Post by dru808 » Thu Mar 26, 2020 8:58 pm

Triple digit golfer wrote:
Thu Mar 26, 2020 5:36 am
dru808 wrote:
Thu Mar 26, 2020 4:45 am
Who’s the boglehead/author that talks about, never less than 30% equities and never more than 70% equities?

Edit: did not realize this topic was so old. Sorry
That would be the wise KlangFool.
That wasn’t who I was thinking about, but you’re right, reviewing some of KlangFool’s posts, he is a 30/70-70/30 advocate. I was thinking thinking of Benjamin Graham, I don’t know how I got 30 70 and 25 75 mixed up. Thank you
75/25 - schk, schd, vdigx, vigi / vwelx, vsmgx / govt

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Re: Any other investors with 70/30 portfolio?

Post by FRT15 » Thu Mar 26, 2020 9:25 pm

37 Years. 35/65. Ok with being more conservative than anyone would recommend for 37. i dont get FOMO but disline seeing losses.

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