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Age vs Equity/Fixed Income Split
11-16-2013, 07:13 AM
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#1
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Thinks s/he gets paid by the post
Join Date: Oct 2002
Location: Chattanooga
Posts: 3,893
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Age vs Equity/Fixed Income Split
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
__________________
Earning money is an action, saving money is a behavior, growing money takes a well diversified portfolio and the discipline to ignore market swings.
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11-16-2013, 07:55 AM
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#2
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Recycles dryer sheets
Join Date: Mar 2011
Location: North Carolina
Posts: 217
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58= Planned is 58 Equities/42 Bonds (currently at 63/37)
guess I'm backwards from the "rule of thumb"
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11-16-2013, 08:12 AM
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#3
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Confused about dryer sheets
Join Date: May 2013
Location: New York
Posts: 8
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54=73/27
Rules are made to be broken
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11-16-2013, 08:19 AM
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#4
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Thinks s/he gets paid by the post
Join Date: Aug 2004
Location: St. Louis
Posts: 2,179
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36, currently carrying
88% "equities"
13% fixed income
The equity part is in quotes because it's an extremely jumbled assembly of equities (foreign/domestic), as well as big slugs in business development companies, MLPs (mostly oil pipelines), and some REITs. I have a very small percentage of the equity portion in a few diversified mutual funds (pssst). The fixed income used to be 12.25%, so I just rounded up to account for that small fixed income allocation inside the diversified funds.
Also, my fixed income component is comprised 1/3 of I-bonds that is performing double duty as my emergency stash if I truly needed to tap into it.
My goal is to retire on dividends and distributions (hopefully by 45), so I'm comfortable with the above allocation as it will allow me to do that, with no required liquidation of positions to fund planned, average budget expenditures.
__________________
Dryer sheets Schmyer sheets
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11-16-2013, 08:34 AM
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#5
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,145
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54. I seem to be at age=equity at the moment, and since reading some recent drawdown studies, I'm inclined to allow my equity to gradually increase with age, rather than the other way around.
__________________
Retired since summer 1999.
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11-16-2013, 08:35 AM
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#6
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Recycles dryer sheets
Join Date: Feb 2011
Location: Arlington Heights
Posts: 271
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57 =
Retirement accounts: 67/33
All accounts: 65/35 (this includes after tax investments/cash)
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11-16-2013, 09:09 AM
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#7
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Full time employment: Posting here.
Join Date: Apr 2006
Posts: 944
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57
about 50/50
__________________
Freed at 49. You only live once - live it
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11-16-2013, 10:10 AM
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#8
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jul 2009
Posts: 5,308
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Like many people my allocation is for DH and I together so it is sort of hard and misleading to just give one age so I will go against the instructions to explain this and to give 2 age numbers.
66 and 59 - 55/45
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11-16-2013, 10:37 AM
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#9
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Recycles dryer sheets
Join Date: Jul 2011
Posts: 402
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60 (and retired. Makes a difference, perhaps.) @ 50/50
__________________
"The future's uncertain, and the end is always near. Let it roll, baby, roll." - The Doors
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11-16-2013, 11:27 AM
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#10
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2007
Location: New Orleans
Posts: 47,500
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65 and retired with a truly tiny pension, no SS yet.
45% equities
55% fixed
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities. - - H. Melville, 1851.
Happily retired since 2009, at age 61. Best years of my life by far!
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11-16-2013, 12:12 PM
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#11
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Recycles dryer sheets
Join Date: Oct 2007
Location: Georgetown
Posts: 423
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56=70/30; hopefully on path to 60/40 by time I turn 60.
Marc
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11-16-2013, 12:28 PM
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#12
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Administrator
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 34,126
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58 = 40/60 but I don't plan on going below 40% equities in future years.
__________________
Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
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11-16-2013, 12:47 PM
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#13
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Recycles dryer sheets
Join Date: Sep 2012
Posts: 459
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49 - 65/35 …currently
Future plan is to have..
55 - 60/40…..Then reduce a percent every year in equity
60 - 55/45
65 - 50/50
70 - 45/55
75 - 40/60
80 - 35/65….and so on. Will see how market performs and will adjust according but this is the plan as of now.
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11-16-2013, 01:25 PM
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#14
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Thinks s/he gets paid by the post
Join Date: Oct 2012
Location: Reno
Posts: 1,338
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55: 60/20/20 (cash &other).
I'm allowing myself to range between 55-65 equity, with 60 in the middle.
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11-16-2013, 01:38 PM
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#15
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Thinks s/he gets paid by the post
Join Date: Mar 2009
Posts: 2,985
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Holding steady at 45/35/20 with less than 2 years until ER. Sufficient cash to fund 5 years retirement. At that point I plan on being around 50/50 equity/fixed. I have no age in bonds formula, just a plan based on my current situation.
__________________
Took SS at 62 and hope I live long enough to regret the decision.
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11-16-2013, 02:03 PM
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#16
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Full time employment: Posting here.
Join Date: May 2011
Location: Marco island
Posts: 815
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53- 65/35
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11-16-2013, 02:56 PM
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#17
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Feb 2006
Location: Washington, DC
Posts: 11,328
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65, dw 60: 60/40 (currently up to 63/37). We have good pension support and will leave it at this level for now.
__________________
Idleness is fatal only to the mediocre -- Albert Camus
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11-16-2013, 03:05 PM
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#18
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Apr 2010
Posts: 5,912
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62 & retired.
60/40 today. But it fluctuates by 10 percent depending on the market situation/opportunities.
Our current income requirements are satisfied by a DB pension and other income items not pertaining to our investments accounts.
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11-16-2013, 06:17 PM
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#19
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Dryer sheet aficionado
Join Date: Jan 2012
Posts: 33
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Currently 45, approximately 70% stock and 30% bonds.
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11-16-2013, 06:27 PM
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#20
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Oct 2006
Posts: 7,733
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Age 54. 70/10/5 15% in Real Estate and angel investments.
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