Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
What would you do - Help Needed on Asset Allocation of 1.2mm
Old 01-14-2018, 05:13 PM   #1
Confused about dryer sheets
 
Join Date: Jan 2018
Location: New York City
Posts: 1
What would you do - Help Needed on Asset Allocation of 1.2mm

Hi All,
I'm new here, been lurking and now getting involved!

I wanted to get some advice from the community in-terms of early retirement asset allocation. Here are my current holdings

Holdings:
- $600,000 in cash (recently taken out of individual stocks in taxable account)
- $210,000 in Berkshire.B (in taxable account)
- $110,000 in 401k - Vanguard Total Market Index

Income:
- $40k-60k passive yearly income from a company I own
- $150k yearly income from work (looking to cut this down substantially and start travelling)


I am trying to workout how to best allocate the $600k in cash so that it is both earning income as well as growing. Would it be best in a bond or a total market or a little bit of both?
__________________

mightymouse is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 01-14-2018, 07:20 PM   #2
Moderator
rodi's Avatar
 
Join Date: Apr 2012
Location: San Diego
Posts: 10,025
You need to figure out your overall asset allocation you wish to achieve. No one can pick that for you. Some are comfortable with lots at risk for potential if more gain and have higher percentages in equities. Others can't sleep at night with risk and havea higher percentage in fixed income or cash. With no idea how old you are or where you are in your life there is no way to offer advice.

Also, your accounts don't add up to 1.2M... is the remainder home equity?
__________________

__________________
Retired June 2014. No longer an enginerd - now I'm just a nerd.
micro pensions 7%, rental income 18%
rodi is offline   Reply With Quote
Old 01-15-2018, 02:51 AM   #3
Thinks s/he gets paid by the post
Golden sunsets's Avatar
 
Join Date: Jun 2013
Posts: 1,230
Why did you liquidate $600,000 in equities? Was there a concentration in just one company that perhaps was also your employer?


Sent from my iPad using Early Retirement Forum
__________________
"Luck favors the prepared mind"
Pasteur
Golden sunsets is offline   Reply With Quote
Old 01-15-2018, 02:57 AM   #4
Thinks s/he gets paid by the post
 
Join Date: Dec 2010
Location: Midwest
Posts: 1,617
May I ask why you liquidated your personal stock account (the 600k)? I get the wanting to earn income, but do you currently need the income, need it in the near future, or just want to re-allocate?

Are you OK with buying bonds in a rising interest rate environ?
brucethebroker is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
would like some advice on my current asset allocation...thanks dooo42 FIRE and Money 14 01-30-2011 04:05 PM
Are you 55 & retired with no more than $2mm? Sportsfan FIRE and Money 12 06-01-2010 04:32 PM
If you were me what would you do? Asset Allocation Advice NickVegas Young Dreamers 20 11-28-2009 05:36 PM
Expat with $2MM considered wealthy by Congress chinaco Life after FIRE 7 07-16-2007 02:37 AM

» Quick Links

 
All times are GMT -6. The time now is 01:39 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2019, vBulletin Solutions, Inc.