What is your age and asset allocation ?

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Gabelli2020
Posts: 29
Joined: Sat Nov 14, 2020 4:01 pm

Re: What is your age and asset allocation ?

Post by Gabelli2020 »

I’m 65. Wife 60. Both retired

70% US Large Cap (55% S & P, 15% individual stocks)
2% international
4% Cash
24% Bond Ladder ( 70 munis managed by PIMCO)

Good luck
LeslieSmiley
Posts: 121
Joined: Fri May 08, 2015 7:43 pm

Re: What is your age and asset allocation ?

Post by LeslieSmiley »

54

contemplating early retirement in the next 2 years.

i was at 70/30 last year and moved to 65/35 after the market had the initial recovery from march and moved to 60/40 recently.

i "won" the game so i don't feel the need to take as much risk for the potential additional return anymore, so i switched to capital preservation mode.

i plan to stay at 60/40 forever.

60 equity (mostly index funds with some individual rockstar stocks like AAPL GOOG)

40 FI (mostly CD ladders 2-4% APY, total bond funds, i-bonds)
checkyourmath
Posts: 68
Joined: Wed Nov 18, 2020 12:46 pm

Re: What is your age and asset allocation ?

Post by checkyourmath »

Age: 38
Cash: 100%
Marseille07
Posts: 283
Joined: Fri Nov 06, 2020 1:41 pm

Re: What is your age and asset allocation ?

Post by Marseille07 »

30s

Super risky trading: 25%
Boglehead (taxable + 401k doing 90/10 give or take): 25%
Real estate: 30%, listing for sale early next year
Cash: 20%

I'm DCAing cash into Boglehead; the RE money would also follow suit once sold. I'm becoming a renter but will purchase another property all cash.
Last edited by Marseille07 on Tue Nov 24, 2020 7:08 pm, edited 2 times in total.
getcloned
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Joined: Mon Feb 06, 2017 6:03 pm

Re: What is your age and asset allocation ?

Post by getcloned »

40, wife 39. Three fund.

Currently 80% equities/20% bonds.
International 30% of equities.

Following "age-20" in bonds glide path until 65/35 or 60/40 - will figure that out later.
MnD
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Re: What is your age and asset allocation ?

Post by MnD »

Both age 58, retired, 70/30 for life with equities roughly global market cap and fixed income a 2:1 mix of stable value and active global bond.
The NPV of my pension is roughly 80% of the value of my portfolio so we can easily afford to take more risk on the portfolio side.
And my age 70 SS isn't even in our retirement financial plan yet since it is still so far out.
70/30 AA for life, Global market cap equity. Rebalance if fixed income <25% or >35%. Weighted ER< .10%. 5% of annual portfolio balance SWR, Proportional (to AA) withdrawals.
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ruralavalon
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Location: Illinois

Re: What is your age and asset allocation ?

Post by ruralavalon »

Age 75, retired, our asset allocation is still 50/50.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started
parrish
Posts: 2
Joined: Tue Oct 20, 2020 10:55 am

Re: What is your age and 40asset allocation ?

Post by parrish »

Surprised with many conservative AA. age 66 retired with good pension. investing 5,000 per month in 60/40 no international 40% in tax exempt index because taxable account.
Dennisl
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Joined: Sun Jun 09, 2019 1:46 pm

Re: What is your age and asset allocation ?

Post by Dennisl »

age 39
80/20 in TDF dated for 10 years earlier than I plan to retire
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ruralavalon
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Location: Illinois

Re: What is your age and asset allocation ?

Post by ruralavalon »

ruralavalon wrote: Fri Nov 20, 2020 11:15 am Age 75, retired, our asset allocation is still 50/50.
parrish wrote: Fri Nov 20, 2020 1:38 pm Surprised with many conservative AA. age 66 retired with good pension. investing 5,000 per month in 60/40 no international 40% in tax exempt index because taxable account.
Neither of us has a pension. That can make a big difference in risk tolerance in my opinion.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started
whereskyle
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Re: What is your age and asset allocation ?

Post by whereskyle »

31. 100% stocks, all in tax-advantaged accounts. My EF is my paycheck.
"I am better off than he is – for he knows nothing and thinks that he knows. I neither know nor think that I know." - Socrates. "Nobody knows nothing." - Jack Bogle
4ransom
Posts: 98
Joined: Mon Jul 30, 2007 3:27 pm

Re: What is your age and asset allocation ?

Post by 4ransom »

Mid 70s, varies-keep enough in fixed to keep us solvent until 90ish. The rest is all invested in what we think will provide the best return for our kids.
sassyseuss
Posts: 33
Joined: Fri Oct 02, 2020 7:30 pm

Re: What is your age and asset allocation ?

Post by sassyseuss »

I am 37.

I have a 35% target for bonds, including all non-junk categories (U.S., international, municipal, corporate).

Equities make up the vast majority of the rest (there's a bit of cash and silver for emergencies, but I don't anticipate growing those percentages much over time). Mostly U.S. holdings, but I have VEU for a bit of diversity. About one-fifth of my equities are in REITs, just about everything yields a dividend with 2 current exceptions: Berkshire Hathaway and Planet 13 Holdings.
Robot Monster
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Re: What is your age and asset allocation ?

Post by Robot Monster »

checkyourmath wrote: Thu Nov 19, 2020 12:29 pm Age: 38
Cash: 100%
Don't often see this allocation around here. It's oddly refreshing.
Ocean77
Posts: 240
Joined: Wed Oct 23, 2019 3:20 pm

Re: What is your age and asset allocation ?

Post by Ocean77 »

We're 53 and 46.

We have 20% in cash, and 10% in each of these (all passive/index):
US large cap, US small cap, International, Emerging market, REIT, Gold, TIPS, US Int term treasuries.
lessismore22
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Location: USA

Re: What is your age and asset allocation ?

Post by lessismore22 »

39 & 33. 80% stocks(no int'l) 20% bonds
carminered2019
Posts: 789
Joined: Fri Jun 21, 2019 7:06 pm

Re: What is your age and asset allocation ?

Post by carminered2019 »

Age 50: retired, no pension
Age From 27-49: 100% equities
Age From 50-infinity: 75/25 and will not be lower then 70% equities.
Carol88888
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Re: What is your age and asset allocation ?

Post by Carol88888 »

100% stocks (72% indexed)

Dividends come in every 3 months to live on.
carminered2019
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Joined: Fri Jun 21, 2019 7:06 pm

Re: What is your age and asset allocation ?

Post by carminered2019 »

LarryCarell wrote: Tue Sep 01, 2020 7:05 am Just started investing a month ago from my inheritance on a monthly basis.
25% US total stocks 25% international total stocks and 50% short term corporate us bonds.

After covid will switch to 65% stocks 35% bonds

I am 30 years old.
You most likely will pay more per share then today then after Covic because the stock market is forward-looking. The stock market is a leading indicator for the overall economy. Investors are betting on where the economy is going, not where it's been.
Last edited by carminered2019 on Fri Nov 20, 2020 4:13 pm, edited 3 times in total.
slicendice
Posts: 5
Joined: Tue Sep 22, 2020 12:08 am

Re: What is your age and asset allocation ?

Post by slicendice »

Ages 46,51 (hopefully 12 years or less from retirement)

35% domestic equities (strong tilt to mid and small, moderate tilt to value)
20% international (strong tilt to mid/small)
10% risky bonds (fallen angels/emerging markets debt)
10% long term treasuries
7% TIPS
5% I-bonds
13% cash (slowly converting to I bonds)
loukycpa
Posts: 79
Joined: Wed Aug 05, 2020 9:52 am

Re: What is your age and asset allocation ?

Post by loukycpa »

Age 47, spouse 45. Planning to semi-retire at 50.

60/40 (3 fund portfolio - 48% total stock, 12% total international, 40% total bond)

I have started to convert total bond to I/EE savings bond ladder (40k a year)
Trev H
Posts: 1888
Joined: Fri Mar 02, 2007 10:47 pm

Re: What is your age and asset allocation ?

Post by Trev H »

59 me, 56 her
No Debt, own a nice home and 30 acres - completely debt free.

65/35

Note from Mid 80's until 2016 ---- remained 100% equity.
In 2016 sold 800 acres of land... and added bonds after that.

Trev H
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Chrono Triggered
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Re: What is your age and asset allocation ?

Post by Chrono Triggered »

33, 100% stocks. 50% USA, 50% INTL. I tilt to small in each category so my overall portfolio is:

25% US Large Cap
25% US Small Cap Value (IJS, VIOV, SLYV)
25% INTL Large Cap (IXUS, VXUS)
25% INTL Small Cap (VSS)

Make it easy to rebalance. I don't have any bonds because I believe equities purchased now will be worth more than bonds by the time I retire.
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Fenderfan
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Location: Iowa

Re: What is your age and asset allocation ?

Post by Fenderfan »

68, working until 70 to delay SS, wife 67.
63% VTSAX Total Stock Market Index
37% VBTLX Total Bond Market Index
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goodenyou
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Re: What is your age and asset allocation ?

Post by goodenyou »

55. Wife, much younger, at 53.

50% Stock (9% International)
25% Bonds (TBM, Tax-Exempt Intermediate)
25% Cash. (MM, HYSA, I-Bonds)

Plan on paying cash for "retirement dream home" in the next 2 years.

Just changed from 60/20/20.

Retirement? Next 5-8 years.?
"Ignorance more frequently begets confidence than does knowledge" | Do you know how to make a rain dance work? Dance until it rains.
BalancedJCB19
Posts: 179
Joined: Sat Jul 13, 2019 11:30 am

Re: What is your age and asset allocation ?

Post by BalancedJCB19 »

Age 56, wife 60

All in the Balanced Index Fund which is 60/40 all U.S. Will remain there for the rest of our natural life.

Still working, will retire when I can no longer deal with the nonsense or pressure at work.
chipperd
Posts: 778
Joined: Sat Sep 24, 2011 5:58 am

Re: What is your age and asset allocation ?

Post by chipperd »

53 and retired.
Roughly:
50% stocks
25% bonds
25% cash
"A portfolio is like a bar of soap, the more it's handled, the less there is." Dr. William Bernstein
Aelron
Posts: 10
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Re: What is your age and asset allocation ?

Post by Aelron »

Currently age 52
  • 99.75% Stocks: S&P 500 ETF, total market mutual fund, and individual stocks
  • 00.25% Cash and money market
Retiring next year at age 53
  • 98.0% Stocks: S&P 500 ETF, total market mutual fund
  • 01.5% Intermediate US bond index mutual fund (~6 months withdrawals)
  • 00.5% Cash and money market (~2 months withdrawals)
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Taz
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Location: Florida

Re: What is your age and asset allocation ?

Post by Taz »

Both 57.
Me: working part-time for another 1-2 months; military pension
DW: working for another 8-12 months?); very small pension @62

56% Equities (85% TSM, 10% SCV, 5% Intl)
44% Fixed (20% TBM/F Fund, 40% Intermediate bond, 40% G Fund)
Portfolio is 65% tax-advantaged
Planned 3.25% withdrawal rate without SS.
The destination matters.
mr_brightside
Posts: 79
Joined: Sat Oct 17, 2020 3:23 pm

Re: What is your age and asset allocation ?

Post by mr_brightside »

50s

around 85/15

--------------------------------
remember Enron?? I do
Engaging in sloth
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Re: What is your age and asset allocation ?

Post by Engaging in sloth »

Age 60 ....we are conservative: 25/75 (cash not bonds)
dreamrrr
Posts: 48
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Re: What is your age and asset allocation ?

Post by dreamrrr »

Age 65, retired

74% Total US Stock etf
25% Stable Value fund
1% Cash
Pension covers all taxes and living expenses
Currently investing SS in Total US Stock etf
Reinvesting all dividends in Total US Stock etf
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Bluce
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Re: What is your age and asset allocation ?

Post by Bluce »

ruralavalon wrote: Fri Nov 20, 2020 2:09 pm
ruralavalon wrote: Fri Nov 20, 2020 11:15 am Age 75, retired, our asset allocation is still 50/50.
parrish wrote: Fri Nov 20, 2020 1:38 pm Surprised with many conservative AA. age 66 retired with good pension. investing 5,000 per month in 60/40 no international 40% in tax exempt index because taxable account.
Neither of us has a pension. That can make a big difference in risk tolerance in my opinion.
Yep, you said it. I'm 70 and have been self-employed for half those years, could retire tomorrow but I'd rather work. My AA is 30/70 and just sitting there treading water, I don't need any more growth. If I had a pension I would have a lot more in stocks.

I was in my late 50s during the 2008 fiasco, and watching your retirement nest egg drop by about 1½ times your house value is a very sobering thing. And I had already scaled back some at that age, to around 65/35. But I just hung on, didn't sell anything, and it all worked out. I regained everything by the end of 2010.
"There are no new ideas, only forgotten ones." -- Amity Shlaes
Racing Grandpa
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Re: What is your age and asset allocation ?

Post by Racing Grandpa »

We are both 70. My wife works part-time.

30/70
life in slices
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Joined: Mon Apr 15, 2019 6:00 pm

Re: What is your age and asset allocation ?

Post by life in slices »

52

70/30

Equities: 70% Total Stock US/30% Total International
Bonds; Mostly Total bond US
willyd123
Posts: 185
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Re: What is your age and asset allocation ?

Post by willyd123 »

59 years old - 69/31 (equities/bonds and cash)
dcabler
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Re: What is your age and asset allocation ?

Post by dcabler »

Age 59: 65/35 dominated by Midcaps for Equity and intermediate treasures for bonds.
hnd
Posts: 231
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Re: What is your age and asset allocation ?

Post by hnd »

40

95% equities
5% bonds (residual from a few TDF's)

80% US
20% International

80% index
20% managed

1 year emergency fund.
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dziuniek
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Re: What is your age and asset allocation ?

Post by dziuniek »

35/33 yrs old

50-50 now. I timed the market and in the depths of march I was down 'only' 10%. Lucky. Now up 15% YTD.

Was too chicken to rebalance and mostly used new money for stock purchases.

Working my way up back to 70% stocks / 30% bonds where I usually sit.
z3r0c00l
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Re: What is your age and asset allocation ?

Post by z3r0c00l »

Age-10 in bonds and cash which includes emergency fund. Will stick with this until 50/50 and probably stay there for the duration.
poker27
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Re: What is your age and asset allocation ?

Post by poker27 »

35 yo

Tax Deferred, 80/20. 20%INT

Taxable, 85/15. 20% INT
Gus Chiggins
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Re: What is your age and asset allocation ?

Post by Gus Chiggins »

37/36

Tax Preferred Accounts
40% US large cap
30% International large cap
20% US small cap value
10% US total bond & US Treasuries (in HSA)

Taxable Accounts
67% US total market
33% California intermediate muni bonds
paul_d_andersen
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Re: What is your age and asset allocation ?

Post by paul_d_andersen »

In my 30's... here's my allocation:

Cash: 10%
Bonds: 5%
Stocks: 50%
Real Estate: 20%
Venture Capital: 7.5%
Micro PE: 5%
Crypto: 2.5% (mainly all BTC)

I subscribe to many Boglehead principles but depending on one's age/risk/goals/financial situation, I think there is a compelling case for alt investments like RE, VC, PE, and Bitcoin.
Asset Allocation: Stocks 50% | Real Estate 20% | Cash 10% | VC 7.5% | Micro PE 5% | Bonds 5% | Crypto 2.5%
youngpleb
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Re: What is your age and asset allocation ?

Post by youngpleb »

29

Asset allocation is 50/50 US and International stock. No bonds for now, but when I am 40-45 I will begin adding some since I want to leave my main career around 45-55. About 1/4 of my US stock is small cap value, and 1/4 of my international is small cap.

I once messed with crypto, but I found doing crypto taxes to be a pain in the butt so now if I want to do some speculating I just buy individual stocks with some fun money. That's less than 1% of my assets though.
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foosball
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Re: What is your age and asset allocation ?

Post by foosball »

Average age late 40s, 60/40.
Asset allocation includes 1-year emergency fund. No debt.

Within 60% equity:

Code: Select all

- 36% Total International Stock
- 36% Total USA Stock
- 28% tilts to USA: Small Value, Multi-factor, and Mid-cap 
Within 40% fixed:

Code: Select all

- 39% USA Total Bond
- 38% USA Intermediate Treasuries
- 13% TIPS
- 10% Cash
Tilts are (theoretically) to help offset risk from IT career. Investing goal is 10 years living expenses covered by fixed income allocation, then all future investment contributions into 100% equity.
Tilterati
Dandy
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Re: What is your age and asset allocation ?

Post by Dandy »

72 allocate 45/55. Pension/SS income almost equals normal expenses. Nice size investment portfolio - no need to take more risk.
atdharris
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Re: What is your age and asset allocation ?

Post by atdharris »

31.

~93% stock
~5% bonds
~2% cash

Not including 9 months of cash to live on. Recently dropped my bond allocation given where rates are and the limited upside bonds offer moving forward.
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