What is your age and asset allocation ?

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lostdog
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Joined: Thu Feb 04, 2016 2:15 pm

Re: What is your age and asset allocation ?

Post by lostdog »

lostdog wrote: Fri Aug 19, 2022 11:31 am
PopMegaphone wrote: Mon Jul 18, 2022 6:14 am
PopMegaphone wrote: Sat Jul 17, 2021 6:27 pm 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.
VT-80% | BND-20%
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billthecat
Posts: 888
Joined: Tue Jan 24, 2017 2:50 pm
Location: USA

Re: What is your age and asset allocation ?

Post by 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
We cannot direct the winds but we can adjust our sails • It's later than you think
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Munir
Posts: 3089
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Location: Oregon

Re: What is your age and asset allocation ?

Post by 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?
Last edited by Munir on Mon Jan 23, 2023 6:14 pm, edited 1 time in total.
Wannaretireearly
Posts: 3217
Joined: Wed Mar 31, 2010 4:39 pm

Re: What is your age and asset allocation ?

Post by Wannaretireearly »

lostdog wrote: Mon Jan 23, 2023 1:37 pm
lostdog wrote: Fri Aug 19, 2022 11:31 am
PopMegaphone wrote: Mon Jul 18, 2022 6:14 am
PopMegaphone wrote: Sat Jul 17, 2021 6:27 pm 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.
Death and taxes. Only one is under your control!
lostdog
Posts: 5251
Joined: Thu Feb 04, 2016 2:15 pm

Re: What is your age and asset allocation ?

Post by lostdog »

Wannaretireearly wrote: Mon Jan 23, 2023 5:23 pm
lostdog wrote: Mon Jan 23, 2023 1:37 pm
lostdog wrote: Fri Aug 19, 2022 11:31 am
PopMegaphone wrote: Mon Jul 18, 2022 6:14 am
PopMegaphone wrote: Sat Jul 17, 2021 6:27 pm 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.
VT-80% | BND-20%
Bama12
Posts: 783
Joined: Fri Aug 30, 2019 11:48 pm

Re: What is your age and asset allocation ?

Post by Bama12 »

50

40% VTI
20% Inter
20% Small Value
20% Cash
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Charles Joseph
Posts: 971
Joined: Tue Apr 05, 2022 10:49 pm

Re: What is your age and asset allocation ?

Post by Charles Joseph »

ruralavalon wrote: Sun Jan 22, 2023 11:31 am
Charles Joseph wrote: Sun Jan 22, 2023 8:29 am
ruralavalon wrote: Wed Dec 21, 2022 3:32 pm 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.
"What, me worry?"
Mr. Stubacca
Posts: 77
Joined: Sun Feb 25, 2007 3:40 pm
Location: State of Mind

Re: What is your age and asset allocation ?

Post by Mr. Stubacca »

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

65% stock, 35% bonds
20% of stock is international
Don't let the pursuit of the perfect stop the use of the good.
cnrohio59
Posts: 10
Joined: Sat Jul 11, 2020 3:06 pm
Location: Ohio

Re: What is your age and asset allocation ?

Post by 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
Posts: 54
Joined: Fri Apr 23, 2021 4:40 pm

Re: What is your age and asset allocation ?

Post by 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
Posts: 320
Joined: Wed Feb 06, 2019 2:32 pm

Re: What is your age and asset allocation ?

Post by Coltrane75 »

Me 47
Wife 37

80% Stocks
20% Bonds
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TnGuy
Posts: 545
Joined: Tue Feb 20, 2007 8:31 am
Location: Oak Ridge, TN

Re: What is your age and asset allocation ?

Post by TnGuy »

Me = 64
Wife = 62

100% equities (have been for over 30 years)


David
"Money will not make you happy. And happy will not make you money." - Groucho Marx
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CRC_Volunteer
Posts: 389
Joined: Fri Sep 10, 2021 10:57 am
Location: Southeast USA

Re: What is your age and asset allocation ?

Post by CRC_Volunteer »

DH :: 64
DW :: 75

See signature line...
"Let me explain. No, there is too much. Let me sum up." (Inigo Montoya) | | 60/32/08 | 48% VTSAX | 12% VTIAX | 32% VAIPX | 8% CASH
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