What is your age and asset allocation ?

[lostdog]

I'm 44 and my wife is 47.

81.5% stocks (30% is international)
18.5% fixed income/cash

I'm looking to go 60/40 for our retirement. We own our house so if you include that our ratio is:

67.25% stocks (30% is international)
15.25% fixed income/cash
17.5% real estate

Small update. Given we plan to retire in my early to mid 50s we've decided our target retirement ratio is 75/25. More equity is better for retirements with a longer time horizon.

Same. We're around the same age and will hover around 75/25 to 80/20 for a 40+ year retirement.

I'm 47 and my wife is 44.

Just went 80/20 today.

80% Equities-Vanguard Total World ETF
20% Bonds - Vanguard Total Bond ETF

The 20% in bonds is 4 years of expenses.

[billthecat]

54yo, single, unmarried, no kids (SUNK).

Excluding home:

• 68.4% US stock
• 29.4% US bonds (including I bonds)
• 2.2% cash

Including home:

• 58.1% US stock
• 25% US bonds (including I bonds)
• 15% home equity (estimated; net of mortgage, costs to sell & taxes)
• 1.9% cash

[Munir]

85 year old widower. Equities 42% (Total Stock Market Index VTSAX) : cash 58% (Treasury MM VUSXX).

PS: How about asking the same questions of people over 80 or 85?

[Wannaretireearly]

I'm 44 and my wife is 47.

81.5% stocks (30% is international)
18.5% fixed income/cash

I'm looking to go 60/40 for our retirement. We own our house so if you include that our ratio is:

67.25% stocks (30% is international)
15.25% fixed income/cash
17.5% real estate

Small update. Given we plan to retire in my early to mid 50s we've decided our target retirement ratio is 75/25. More equity is better for retirements with a longer time horizon.

Same. We're around the same age and will hover around 75/25 to 80/20 for a 40+ year retirement.

I'm 47 and my wife is 44.

Just went 80/20 today.

80% Equities-Vanguard Total World ETF
20% Bonds - Vanguard Total Bond ETF

The 20% in bonds is 4 years of expenses.

DW and I are almost the same ages.
I’ve been lazy and used TRD’s for most of my retirement accounts. I still like em.
I also want to keep a high equity position for a hopefully long retirement. I think I’m 85/15 right now. Trying to build cash position in taxable so I guess my target is 80/20 as well.

[lostdog]

I'm 44 and my wife is 47.

81.5% stocks (30% is international)
18.5% fixed income/cash

I'm looking to go 60/40 for our retirement. We own our house so if you include that our ratio is:

67.25% stocks (30% is international)
15.25% fixed income/cash
17.5% real estate

Small update. Given we plan to retire in my early to mid 50s we've decided our target retirement ratio is 75/25. More equity is better for retirements with a longer time horizon.

Same. We're around the same age and will hover around 75/25 to 80/20 for a 40+ year retirement.

I'm 47 and my wife is 44.

Just went 80/20 today.

80% Equities-Vanguard Total World ETF
20% Bonds - Vanguard Total Bond ETF

The 20% in bonds is 4 years of expenses.

DW and I are almost the same ages.
I’ve been lazy and used TRD’s for most of my retirement accounts. I still like em.
I also want to keep a high equity position for a hopefully long retirement. I think I’m 85/15 right now. Trying to build cash position in taxable so I guess my target is 80/20 as well.

Same here. I'm going to build up a cash position in taxable also. I'll let the equity portion float up while I build cash to keep it around 80/20ish.

80/20ish is the way to go for an extra long retirement.

[Bama12]

50

40% VTI
20% Inter
20% Small Value
20% Cash

[Charles Joseph]

Age 77, retired 12 years, debt free, no pension or annuity, my asset allocation is 60/40 using a one-fund portfolio consisting of Vanguard Balanced Index Fund (VBIAX).

I'm really tempted. So simple. I'm at 50/50 (including cash) already. And I'm all US already; 2.5 years until retirement.

Are all of your accounts tax-advantaged?

No, but I've often thought that simplicity and the possibility of avoiding behavioral mistakes might trump tax efficiency in this instance. Right now 88% of my fixed income assets are in tax-deferred space. The 12% in taxable is in cash (treasury MMF) and intermediate term treasuries.

[Mr. Stubacca]

54 turning 55 shortly. Wife a year younger. 2 teenage kids

65% stock, 35% bonds
20% of stock is international

[cnrohio59]

Age at EOY 2023
Me - 64; Wife - 68

Investment Allocation as of 31-Dec-2022
7% - Cash & Equivalents (Yield on cash - 4.13% as of 31DEC2022)
18% - Fixed Income
71% - Equities, includes 13% foreign equities
4% - Alternatives (Morningstar Category - Event Driven)

[Opinika]

Me and the Mrs. 67 y.o.

Excluding real estate...

90 % stocks
10 % cash and shorter bonds

This is the largest percentage cash that I can remember holding.

[Coltrane75]

Me 47
Wife 37

80% Stocks
20% Bonds

[TnGuy]

Me = 64
Wife = 62

100% equities (have been for over 30 years)


David

[CRC_Volunteer]

DH :: 64
DW :: 75

See signature line...