What is your age and asset allocation ?

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slippinsurlies
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Re: What is your asset allocation and age?

Post by slippinsurlies »

strummer6969 wrote: Sun Jun 19, 2022 9:48 pm 100% stock people --> do you not hold any cash? If you do, you should include that in your AA so people aren't mislead.
Okay, but all the stock/bond people also need to include cash in their AA so people aren’t mislead.

So, my more precise AA is… 99.97/0/0.03 (s/b/c)
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strummer6969
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Re: What is your asset allocation and age?

Post by strummer6969 »

slippinsurlies wrote: Sun Jun 19, 2022 10:11 pm
strummer6969 wrote: Sun Jun 19, 2022 9:48 pm 100% stock people --> do you not hold any cash? If you do, you should include that in your AA so people aren't mislead.
Okay, but all the stock/bond people also need to include cash in their AA so people aren’t mislead.

So, my more precise AA is… 99.97/0/0.03 (s/b/c)
Yeah, actually everyone should include their cash allocation when describing their AA.

It's like having 50% in cash and 50% equities and saying your AA is 100% equities. Technically it might be correct if your investment account is 100% equities but it is misleading.
retiredflyboy
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Re: What is your asset allocation and age?

Post by retiredflyboy »

My AA with cash is 95-5. This does not count the dollars in the working check account.
Facts are stubborn things. Everything works until it doesn’t.
daehelgob48
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Re: What is your asset allocation and age?

Post by daehelgob48 »

Stock index funds 37% Bond index funds 33% Cash 30% age 73 with pension and SS.
nhs76
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Re: What is your asset allocation and age?

Post by nhs76 »

DH 63 (medium risk tolerance), DW 65 (low-medium risk tolerance; maximum simplicity desired). Both retired; no pensions; both waiting to start SS. Basic, paid-for SFH in MCOL city. Sufficient nest egg for our modest lifestyle, IMO, but given the 30-year time horizon, wouldn't mind having more of a cushion for inflation, better LTC self-funding, and additional fun money for travel and activities. DH working again in some business-casual capacity that still allows for the last is not out of the question.

Transitionally, AA is 22/78, with most of the 78 still in cash, as semi-recent windfall hasn't yet been invested. Presently moving funds to a more tax-efficient configuration, i.e. stock funds in Roth and taxable rather than traditional IRA. Overall, thinking of 40/60 or 45/55 as a target, but haven't yet pulled the trigger.
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LTCM
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Re: What is your asset allocation and age?

Post by LTCM »

41 & 45
Both self employed
80/20
55% VUG - 20% VEA - 20% EDV - 5% BNDX
best2u
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Re: What is your asset allocation and age?

Post by best2u »

67,70. Retired. One pension and one ss. Plan to add another ss mid next year. Allocation 49-50-1. Much of fixed income is individual securities. May move more to a one fund as I get closer to my demise.
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gougou
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Re: What is your asset allocation and age?

Post by gougou »

AA: 115% stocks/-15% margin loan for liquid investments

Plus I have a bunch of cashflow positive rental properties all with mortgages.

Age 32/33
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WestCoastPhan
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Re: What is your asset allocation and age?

Post by WestCoastPhan »

98-2 equities/cash and I bonds. Ages 55 and 54.
Ciel
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Re: What is your asset allocation and age?

Post by Ciel »

Early 30s, 100% stocks. Oh, um, 99.5% stocks, 0.5% cash. I don't think cash allocation is significant in the vast majority of cases unless someone is holding an unusually large amount.

Edit: Mea culpa, math error. I'm 5% cash.
Last edited by Ciel on Sun Jun 19, 2022 11:43 pm, edited 1 time in total.
BernardShakey
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Re: What is your asset allocation and age?

Post by BernardShakey »

Abalyon wrote: Sun Jun 19, 2022 9:45 pm Age: 25
AA: 100 stocks (might go a bit higher with HFEA in the future).
Will have a pension.

Even in a high rate environment, I would rather light my money on fire than invest in bonds. At least burning money would provide me the benefit of warmth. Bonds would only give me a lower return on my assets and a higher tax liability.
Being only 25, be careful not to count too much on that pension :wink:
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theorist
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Re: What is your asset allocation and age?

Post by theorist »

We are both 51, not planning to retire for at least a few years (maybe many). AA has been drifting around between about 70/30 and 75/25 stocks vs bonds+cash, with the “safe” assets being about 20% cash and the rest in bonds. (I’d probably hold less cash, but it seems to make the spouse feel more secure, and that is worth a lot!)
2pedals
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Re: What is your asset allocation and age?

Post by 2pedals »

DH 62, DW 61 both retired
AA: 60/40 (FI mostly stable value, some TIPS, and about 2% cash)
DH has a non-cola pension that currently covers nondiscretionary expenses
SS, DW at age 62; DH at 70
Annual partial Roth conversions for the next few years (taxes paid from Taxable account)
Doc7
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Re: What is your asset allocation and age?

Post by Doc7 »

37 (both)

70/30, with 15% of Equities in REIT and 20% international which makes me 45.5% US TSM, 10.5% REIT index, 14% INT, 30% BND/stable value / cash balance pension value.

Been that since I read All About AA by chief Boglehead Rick Ferri in 2009 and changing feel like market timing. When I get to 66% of retirement target I will go to 60/40.


No, I do not count my EFund, cause if I sell stocks to replenish cash when my EFund gets spent, that negates the point of having one
Last edited by Doc7 on Sun Jun 19, 2022 11:31 pm, edited 1 time in total.
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billthecat
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Re: What is your asset allocation and age?

Post by billthecat »

53. My approach is fixed income (cash, bonds) = MAX(MIN(age - 13%, 10x spend), 25%).

In other words, the lesser of 10 years of expenses (not counting dividends) or my age minus 13 (which today would be 40%), but no less than 25% of my portfolio. The rest is equity.

Excluding my home, this currently results in a target of 67/33.
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Re: What is your asset allocation and age?

Post by Gnirk »

Me 77 and DH 83. Retired 15 years.
My current allocation is 37.5% Stocks/54.1% Bonds/ 8.4 % cash.
DH allocation is 47.7% stocks/31.7% bonds/20.6% cash.
2 modest Social Security incomes, one very small pension. No debt.
Living expenses are covered by SS, very small pension, income from interest, plus dividends, and capital gains from DH investments.
My Div and cap gains are reinvested.
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slippinsurlies
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Re: What is your asset allocation and age?

Post by slippinsurlies »

retiredflyboy wrote: Sun Jun 19, 2022 10:15 pm My AA with cash is 95-5. This does not count the dollars in the working check account.
Yeah, so now I’ve gone and got wrapped around the axle… AA should include everything, right? Including the measly little checking account where my paycheck goes to be butchered, and the small high yield savings account that’s my “emergency” money? Because that’s the only cash I have. That’s part of my AA, right?
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squirrel1963
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Re: What is your asset allocation and age?

Post by squirrel1963 »

Engaging in sloth wrote: Sun Jun 19, 2022 7:21 pm With the recent market reductions I am curious as to what is my fellow Boglehead's AA and age? If you are retired please specify. If you have a pension please specify. Thank you.

Personally I very much enjoy an AA thread. I find it beneficial.

DH 61, DW 62
AA: 37/63 (cash)
DW has a non-cola pension that currently covers majority of our expenses
We will take SS later...DW probably at age 64; DH between ages 67-70

I'm 59 just retired, DW is 50 also retired.
Our AA is roughly 60% equities, 25% TIPS and 15% nominal bonds.
TIPS give us our floor income (following LMP approach for the most part)
LMP | Liability Matching Portfolio | safe portfolio: TIPS ladder + I-bonds + Treasuries | risky portfolio: US stocks / US REIT / International stocks
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LTCM
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Re: What is your asset allocation and age?

Post by LTCM »

Abalyon wrote: Sun Jun 19, 2022 9:45 pm Age: 25
AA: 100 stocks (might go a bit higher with HFEA in the future).
Will have a pension.

Even in a high rate environment, I would rather light my money on fire than invest in bonds. At least burning money would provide me the benefit of warmth. Bonds would only give me a lower return on my assets and a higher tax liability.
You may wish to check the details of the HFEA portfolio.
55% VUG - 20% VEA - 20% EDV - 5% BNDX
pasadena
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Re: What is your asset allocation and age?

Post by pasadena »

48, single, no kids. AA is 80/20, 20% of stocks are ex-US, no cash.

Edited to add: about 8% of my stock allocation is in individual stocks. I'm letting them run one way or the other.
Last edited by pasadena on Tue Jun 21, 2022 4:44 pm, edited 1 time in total.
buyholdforever
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Re: What is your asset allocation and age?

Post by buyholdforever »

40's 60% bonds and 40% equities
bdr1000
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Re: What is your asset allocation and age?

Post by bdr1000 »

Age 48 and 51

stopped working six years ago

target is 70/27/3

currently 69/28/3 UK based so exchange rates have softened the recent blows and big bond price declines evened things out
AA: 75/22/3: 50% VWRL | 25% MSFT | 22% VAGP | 3% Cash. | Age 50. Early retiree 7 years now, renting my property whilst fulltime travelling, focused on health & happiness
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Brianmcg321
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Re: What is your asset allocation and age?

Post by Brianmcg321 »

Age: 49
AA: 100/0
Rules to investing: | 1. Don't lose money. | 2. Don't forget rule number 1.
RayKeynes
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Re: What is your asset allocation and age?

Post by RayKeynes »

Age 31.4
121% Equity / 0% Bonds / -21% Cash (USD)

SAA: 20% Switzerland / 55% USA (through VTI) / 12.5% VEA / 12.5% VWO
OpenMinded1
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Re: What is your asset allocation and age?

Post by OpenMinded1 »

I'm 64 and retired, and my wife is 59 and still working. Our retirement portfolio is 50% stock/46% fixed income (other than cash)/4% cash. The fixed income part is approx. 50% G fund, and 4% TIPS and I-bonds. The remainder is in nominal bonds in funds. We haven't started using our retirement portfolio for income yet.

I have a pension that adjusts for inflation. She will get a small non-COLAed pension eventually. We will both get some SS eventually. Me a little. Her's will be substantial. She will get a small amount from an annuity. I'll possibly get a reduced amount as a survivor.

We also have an emergency fund that would probably cover two years of expenses. It's held in high-yield savings accounts and I-bonds We will probably try to stay at roughly 50/50 in our retirement account for the remainder of our lives. Probably should have more in equities considering my pension, but just can't stomach it. :D
Gecko10x
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Re: What is your asset allocation and age?

Post by Gecko10x »

Is everyone just in Total Market stock funds? Why are people just listing Stocks/Bonds/Cash?

I have made some adjustments this year, given portfolio did not perform to expectations. We are now:
20% LCB
20% LCV
20% SCV
10% Gold
10% Managed Futures
10% Nominal Treasuries
10% TIPS

42/40. Hopefully 10 years from retirement / semi-retirement
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Re: What is your age and asset allocation ?

Post by LadyGeek »

Engaging in sloth - I merged your thread into a similar discussion.

(Thanks to the member who reported the post and provided a link to this thread.)
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ROIGuy
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Re: What is your age and asset allocation ?

Post by ROIGuy »

Gecko10x wrote: Fri Apr 15, 2022 7:31 am This would be fun to see as a survey! Like a spreadsheet with an asset allocation vs age chart.
+1
mmoneytalks
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Re: What is your age and asset allocation ?

Post by mmoneytalks »

Age 61, Retired
Pension w/COLA (covers ALL expenses and more; not eligible for SS)
No Debt or Mortgage

49% STOCK ALLOCATION
— 42% Domestic
— 7% Foreign
51% BOND ALLOCATION
— 24% MM, CDs
— 14% Bonds-US
— 13% Deferred Fixed Annuity
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goingup
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Re: What is your age and asset allocation ?

Post by goingup »

61/53
Retired 2019. No pension. No SS yet.
60/40 including 3% cash. The AA can drift unfettered. :D
pasadena
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Re: What is your asset allocation and age?

Post by pasadena »

Abalyon wrote: Sun Jun 19, 2022 9:45 pm Age: 25
AA: 100 stocks (might go a bit higher with HFEA in the future).
Will have a pension.

Even in a high rate environment, I would rather light my money on fire than invest in bonds. At least burning money would provide me the benefit of warmth. Bonds would only give me a lower return on my assets and a higher tax liability.
Yeah, I mean you're 25. You have no needs for bonds, pension or not.
CoffeeQID
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Re: What is your age and asset allocation ?

Post by CoffeeQID »

Age 29.

96% equity
4% Bonds (I-bonds).
bling
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Re: What is your age and asset allocation ?

Post by bling »

Mr.BB wrote: Mon Jun 20, 2022 6:13 am
Gecko10x wrote: Fri Apr 15, 2022 7:31 am This would be fun to see as a survey! Like a spreadsheet with an asset allocation vs age chart.
+1
yep, and if it's sufficiently anonymized, we would probably get a lot more entries and gather information such as income, mortgage/rent payment, emergency fund vs none, etc.

for example, if you have a super high income, are you more likely to invest 100% stocks because you can cashflow almost anything, or 100% bonds because you want to preserve your wealth? or conversely, a low-income individual might be 100% stocks to "catch up" to their desired goals, or 100% bonds because they're living paycheck to paycheck and can't afford any risk.
Dave55
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Re: What is your age and asset allocation ?

Post by Dave55 »

abuss368 wrote: Sat Apr 16, 2022 3:42 pm We are presently 67% stock and 33% bond.

Best.
Tony
What about your "short" positions?

Dave
"Reality always wins, your only job is to get in touch with it." Wilfred Bion
RetiredCSProf
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Re: What is your age and asset allocation ?

Post by RetiredCSProf »

Age 74, divorced, retired 10 years ago, pension (fixed + variable)

Currently,
Overall AA (includes rollover IRAs, Roth IRAs, U.S. savings bonds): 70/25/5 with 20% of equities int'l
AA of rollover IRAs only: 50/45/5 with 18% of equities int'l
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Re: What is your age and asset allocation ?

Post by ruralavalon »

Retired, age 76, no pension or annuity, our asset allocation is 60/40, no cash allocation.
Mr.BB wrote: Mon Jun 20, 2022 6:13 am
Gecko10x wrote: Fri Apr 15, 2022 7:31 am This would be fun to see as a survey! Like a spreadsheet with an asset allocation vs age chart.
+1
From past threads in 2007, 2011 and 2015:
graph; and
bar graph and table.
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Re: What is your age and asset allocation ?

Post by Corsair »

delete
Last edited by Corsair on Wed Jul 06, 2022 11:53 pm, edited 2 times in total.
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letahl
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Re: What is your age and asset allocation ?

Post by letahl »

Low and mid 40s. Just went to 71/29 from 80/20. VT, VASGX, VIBLX. Only international is the arguable component of US companies with international holdings in VASGX.
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framus
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Re: What is your age and asset allocation ?

Post by framus »

77 retired - married - we have SS and small pension
Basic 3 funder
47% Equities / 50% Bonds / 3% Cash
Using RMDs to reach goal AA 45% E / 52% B/ 3% Cash (maxing out iBonds as part of Bonds AA)
-Framus
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Re: What is your age and asset allocation ?

Post by Wannaretireearly »

Age: 43 and 46.
90/10 Stock/Bond (more than 50% international stock)

Goals are becoming clear next 3-5 years preparing for ER:
1. build (back) a cash cushion of 2X and retire 😎
2. move to 70/30 or 60/40. I’m not sure about this if I achieve #1. I’m thinking I’ll have time to do this gradually between age 50-60.
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Re: What is your age and asset allocation ?

Post by LadyGeek »

squirrel1963 has a question which I've moved into a new thread. See: Have LMP (Liability Matching Portfolio)- Should I change my asset allocation?
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Re: What is your age and asset allocation ?

Post by abuss368 »

Dave55 wrote: Mon Jun 20, 2022 9:23 am
abuss368 wrote: Sat Apr 16, 2022 3:42 pm We are presently 67% stock and 33% bond.

Best.
Tony
What about your "short" positions?

Dave
That is all in your hedge fund!
Gekko said to short Blue Str airlines!😂
Did the hedge fund listen?
Tony
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Re: What is your age and asset allocation ?

Post by Chicagoprof »

My wife and are are both 50. We are 70% equities (60% of equities in VTI or funds that approximate it and 40% in VXUS), 29% bonds (mostly BND and BNDX with some VTEAX), 1% cash. My wife is retired (requiring us to start drawing on our portfolio to supplement our income) and I am still working, with a goal of early retirement in my late 50s, but flexibility to extend work until later. We plan to adjust to 60/40 over the next 7 years.
MaxRN
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Re: What is your age and asset allocation ?

Post by MaxRN »

DW and I both 68 and retired. 30% equities VTSAX, 30% TIPS
- mostly 5 yr ladder, 40% short bonds - treasuries and VBIRX. Set and forget is the goal. ~3.5% withdrawal rate.
Don't believe everything you believe.
cbs2002
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Re: What is your age and asset allocation ?

Post by cbs2002 »

48 both. Roughly 70 equities, 25 bonds, 5 cash. Sleep well.
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aj76er
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Re: What is your asset allocation and age?

Post by aj76er »

slippinsurlies wrote: Sun Jun 19, 2022 11:22 pm Yeah, so now I’ve gone and got wrapped around the axle… AA should include everything, right?
Yes.

Recently, I decided to be as complete as possible and I even include 30 day credit card float (as negative cash). These get auto-payed at end of the month from HY savings account, but typically have a running -$3000 or so on the CC’s.

Anyway, we are currently:

Mid-to-late 40’s
70% Global Equities (VT in tax sheltered, VTI+VXUS in taxable)
20% Fixed Income (BNDW, SCHP, I-bonds, cash)
5% Gold (SGOL)
5% ESPP/RSU

Included in the global equities is a small amount in S&P 500 (as the best option in some accounts).
"Buy-and-hold, long-term, all-market-index strategies, implemented at rock-bottom cost, are the surest of all routes to the accumulation of wealth" - John C. Bogle
dcabler
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Re: What is your age and asset allocation ?

Post by dcabler »

Retiring this year:
Me: 61, DW: 62
Primary Portfolio: 60/40
50: US Stock
10: International Stock
25: US Nominal Treasuries
15: US TIPs

Age has never factored into this.

cheers.
Last edited by dcabler on Tue Jun 21, 2022 6:06 am, edited 1 time in total.
dcabler
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Re: What is your asset allocation and age?

Post by dcabler »

Gecko10x wrote: Mon Jun 20, 2022 5:58 am Is everyone just in Total Market stock funds? Why are people just listing Stocks/Bonds/Cash?

I have made some adjustments this year, given portfolio did not perform to expectations. We are now:
20% LCB
20% LCV
20% SCV
10% Gold
10% Managed Futures
10% Nominal Treasuries
10% TIPS

42/40. Hopefully 10 years from retirement / semi-retirement
No, not all of us are in Total Market stock funds. Some of us simply don't want to start the next edition of the discussion about how the only true path to investing happiness is the 3 fund portfolio and anybody not doing so is foolish or vice versa. Some of us need neither a critique nor validation at this point. So, we're only responding in broad strokes.

Cheers
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Harry Livermore
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Re: What is your age and asset allocation ?

Post by Harry Livermore »

Ages 55/52
Fuzzy retirement date in future.
Own 2 rental properties in addition to portfolio as allocated below. Emergency fund not counted, nor checking/ cash in safe/ etc.
According to the Portfolio Watch (I think that's what it's called?) tool at Vanguard:

58% equities
39% bonds
3% cash or other

I think an ideal AA for us (me, mostly; my wife is more sensible about "how much is enough" and also is more debt-focused) is probably 60/40, BUT... I have a high tolerance for variation (do BHs still use the term "guardrails"? Mine are very wide I suppose, up to 10% or more)
I try not to market time, but have felt, based on historical PE trends and the continued binge of free money since the GFC, that equities may have gotten ahead of themselves in the 2010s. So starting in 2018 I trimmed back from 60/40-ish to closer to 54/56, thinking that an eventual 50/50 would be a nice zone for a while, especially as I dreamed of early retirement and the rising equity glidepath. That low equity allocation served us well in March 2020; and in fact, I would have backed up the truck and brought us back to 60/40 but lockdowns meant business went to zero. So I "just stood there"...
Additionally, new small-company pension contributions go into Wellesley and my spouse's Target Date 403(b) is getting more bond heavy, so we have been tilting more towards bonds (broadly) in the last 4 years.
I had made some small purchases ($35K-ish) across 2021 in VTSAX, in taxable, based on some profit-taking from my business; obviously I feel just a twinge of regret as now it looks like the current cycle's peak, but whatever. That money is meant as a bridge from early-ish retirement to RMDs, so certainly not to be used for another 5-10 years. The reason I put it in VTSAX was I noticed our AA had dipped below 50% equities, and being in taxable, I wanted a tax-efficient vehicle. Now, since the downturn of 2022, we had gone even farther below 50%. So I decided to buy a little on the dip. Hope it works out :)
We have some Roth money in Wellesley, so I took half of each account and moved it into VTSAX this past Thursday. That was good enough to bump us into the high 50%s.
So again, I seem to have a tolerance for variation in AA.
FYI, the "cash or other" category includes the 2 remaining 529s and a Coverdell; as our middle is halfway through college, and youngest halfway through high school, all the college money is basically in MM-type funds. The "alt" is deminimis, principally being 2 pieces of art and a small stash of gold, silver, and coins of numismatic value (all of that adding up to less than 1%, and certainly less than our emergency fund)
Too much detail for this thread I expect, but there it is...
Cheers
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Re: What is your age and asset allocation ?

Post by muitu »

Me:24
Her:24

100% equities until we hit 40-45.

Hoping to retire in our mid to late 50's. Embraced Boglehead philosophy at 22, was able to persuade her to follow it at 24. Long road ahead!
"Wealth consists not in having great possessions, but in having few wants." - Epictetus
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