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Old 11-16-2013, 08:32 PM   #21
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age 52, DH is 61. 55/45.

It should be noted that DH is 100% fixed income (bond funds)/cash (CDs). I skew more towards equities in my retirement accounts to compensate.
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Old 11-16-2013, 08:43 PM   #22
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54=67/33

I think that "age in bonds" rule is obsolete. It came from an era when one made it to retirement with very little life expectancy left. Also, a couple generations ago, inflation was lower, with deflation common in panics. Lending money (owning bonds) is not so safe when the Fed is targeting some positive inflation rate, and may very well overshoot it.
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Old 11-16-2013, 08:55 PM   #23
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39 = 90/10, not RE'd yet although plan to stick to 90/10 throughout RE and mitigate the high equity risk by having a WR below 2.5%

Disclosure: >90% of investments are in a professional corporation, a taxable account which taxes fixed income at close to 50% regardless of personal tax bracket
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Old 11-16-2013, 09:02 PM   #24
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58=77/23
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Old 11-16-2013, 11:16 PM   #25
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Age 46. 54.5/45.5 as of today. Ideally, we'd like to be at 63/37.
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Old 11-17-2013, 12:43 AM   #26
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47=76/24
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Old 11-17-2013, 01:19 AM   #27
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Quote:
Originally Posted by Alan View Post
58 = 40/60 but I don't plan on going below 40% equities in future years.
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Old 11-17-2013, 05:25 AM   #28
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Quote:
Originally Posted by frayne View Post
The rule of thumb about keeping your age as a percentage of your fixed income is some what dated in my opinion. I am 62 (retired, DW is 59))and have a 65 equities/35 fixed income split. The majority of my equities are index funds, TSM and S&P. Just wondering what others are doing.

For the sake of brevity if you would like to participate just put age and equities/fixed income split as something like this.

62=65/35
I've also heard age + 10 for equities.
So 72% equities + 28% bonds.
Also depends on WHO you are investing for... you or your heirs.
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Old 11-17-2013, 05:40 AM   #29
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55, 50/50 (50% equities, 30% bonds, 20% cash).
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Old 11-17-2013, 06:11 AM   #30
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48, 90% equities 5% REITs 5% cash

I plan to grow cash to 10%-20% before RE in 2020
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Old 11-17-2013, 07:39 AM   #31
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57 year old, 67% Equities, 33% bonds, will reitire by August next year.
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Old 11-17-2013, 07:45 AM   #32
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Age nearly 56. As of a couple days ago, my TSP is 67/33. Just before that, I was 100% equities for much of the past year and a half.
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Old 11-17-2013, 07:46 AM   #33
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I am surprised at the number of people at or near ER with 70+% in equities. If I had a decent pension that would not be an issue, but not with 100% of my ER income at stake.
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Old 11-17-2013, 07:50 AM   #34
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Age 58 62% stocks, 38% Bonds, cash and other.
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Old 11-17-2013, 07:56 AM   #35
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Old 11-17-2013, 08:25 AM   #36
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Old 11-17-2013, 08:30 AM   #37
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70/22/8
Equities/Bonds/Cash
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Old 11-17-2013, 08:37 AM   #38
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59: 48.7/34.71/9.94/6.65

Stock funds/bond fund/REIT fund/cash
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Old 11-17-2013, 08:44 AM   #39
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Retired, 55: 62/38
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Old 11-17-2013, 09:06 AM   #40
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Different ages, different goals:

During accumulation years (1982-2006), 90-95% equity; remainder in bonds/cash.
During early retirement (at age 59, in 2007), 60/40 split; 60% equities.
Today's goal (both age 65/retired), 50/50 split; 50% equites.

While we certainly could have higher equity holdings in today's market, we don't feel we need to actively look for additional holdings. Just the recent increase in equity value has resulted in current holdings of 51%. It would have been much higher except that we converted a good bit of gains to cash (two big home improvement projects this year) and added to our cash reserves in planning for the next possible downturn.

A bit conserative? Sure; but we can afford to be at our age (we still remain quite a bit above our "number", even after being retired for a good period of time).
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