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Old 11-17-2013, 09:22 AM   #41
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63 retired. 100% dividend paying equities in portfolio. When you value our DB pension it is more like 55/45. This ratio will gradually skew more to equities as our pension decreases in value as we age and the equities increase (hopefully) over time. Divs growing by about 10% per year over last 3 years and when combined with the pension should keep us ahead of inflation.
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Old 11-17-2013, 09:33 AM   #42
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50=61/39

I expect to stay between 60/40 and 65/35 throughout RE.
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Old 11-17-2013, 09:37 AM   #43
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41@73/27

I'm thinking I may want the allocation to go higher to equities after ER.
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Old 11-17-2013, 09:54 AM   #44
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Not retired:
age/equities/fixed
55.5/72/28
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Old 11-17-2013, 10:56 AM   #45
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Age 66.96: 46/54
HAPPY almost BDAY!
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Old 11-17-2013, 11:00 AM   #46
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58.07yrs. 60/40 now; planning 60/25/15 at retirement.
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Old 11-17-2013, 11:22 AM   #47
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retired 58; 60/20/20 (stocks/bonds/cash)
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Old 11-17-2013, 02:59 PM   #48
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Age 55 retired for five years.
30/70 stocks/bonds

Don't know if anyone has seen this study before but it's focus is minimizing retirement downside risk. That's been my approach; what's the least amount of stocks I can hold to support my spending needs. Works for me providing a great life without as much worry of big losses.

https://content.putnam.com/literature/pdf/PI001.pdf
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Old 11-17-2013, 03:21 PM   #49
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48 yrs - 87% equities / 10% gold / 3% cash at the moment. Never blinked an eye throughout the 2008 crash and recovery.
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Old 11-17-2013, 03:49 PM   #50
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Originally Posted by frayne View Post
....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
retired at age 56

58=60/40 (excludes DB pension and SS values)

So I guess I'm inverse to the age=bonds notion, but I have been an equity investor for over 35 years and am very comfortable with equity risks. I didn't have any bonds at all (other than some funds held for short term liquidity) until my 50s IIRC. I don't see changing it at all at this point.
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Old 11-17-2013, 03:53 PM   #51
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Age 59 80% equities, 20% fixed & cash
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Retired at 59 1/2 and trying to stay that way.
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Old 11-17-2013, 04:36 PM   #52
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47 years old
62/38

I guess I'm being pretty conservative compared to many of you. Interesting!
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Old 11-17-2013, 04:39 PM   #53
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Quote:
Originally Posted by enjoyinglife102 View Post
Age 55 retired for five years.
30/70 stocks/bonds

Don't know if anyone has seen this study before but it's focus is minimizing retirement downside risk. That's been my approach; what's the least amount of stocks I can hold to support my spending needs. Works for me providing a great life without as much worry of big losses.

https://content.putnam.com/literature/pdf/PI001.pdf
It looks like a very interesting (and lengthy) article. I will read it later when I have a free moment, but could you give us a summary of what you learned from it?
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Old 11-17-2013, 04:48 PM   #54
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59 and retired. 50/50, +/- 5% range for rebalancing, and plan to stay that way.
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Old 11-17-2013, 05:03 PM   #55
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My calculation includes solid pensions (but not SS), and is 50/50.
If pensions are not included, 80/20.
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Old 11-17-2013, 05:41 PM   #56
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57 (retired) Currently: 62% equity funds (51 domestic, 11 international), 25% SV accounts, 13% bond funds

I don't include the pension in those percentages. I do consider the SV accounts as fixed income.

I see no reason to modify this in the future, unless there is a significant lifestyle change, or the bond values drop significantly and SEC yields increase. Then may roll funds from the SV to bond funds. We draw such a low percentage annually, and that just for fun stuff. Not much point in deviating from 60 equities / 40 fixed
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Old 11-18-2013, 12:50 AM   #57
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62 yrs not retired but soon
40 30 30
Real estate
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Old 11-18-2013, 03:45 PM   #58
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44. About 90/10; but I also will have a FERS pension when I retire.
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Old 11-18-2013, 05:44 PM   #59
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66=45/55. Pension & SS.
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Old 11-19-2013, 12:14 PM   #60
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58=38/62. Small pension. 35% cash. Plan to spend down cash in early retirement; get stock to 45%.
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