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Old 01-03-2011, 07:42 AM   #41
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Originally Posted by frayne View Post
Just curious how many follow the age in bonds school of thought ?

Going on 60 years of and have about 60% of portfolio in equities with no real desire to change.
At age 60, DW/my joint retirement portfolio had the same equity target as you. Today (three years older), our AA is set at 50/50 (50% equity/50% bond-cash).

We lowered it to a 50% equity target not because of reducing risk, but finding out that a lower target still showed we would meet our plan with slightly reducing market risk.

What will tomorrow/next year/next decade bring? Stay tuned.

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Old 01-03-2011, 10:47 AM   #42
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I've been 50/50 (domestic and international total stock indexes/total bond index) for the last six years so the 2008 crash wasn't as catastrophic for me as some, but I haven't made the most out of the rebound either. Still I think it's the place to be as it will meet my ER requirements nicely. The only allocation change I see myself making would be going 45/45/10 to give me a 3 year cash bucket as I move into ER.

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Old 01-04-2011, 08:23 PM   #43
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I'm 51, DW is 50, and we're at ~20% bonds. Empty nesters, we own the house, decent pension & SSI starting at 60.


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