Asset Allocation: new perspectives?

[kyounge1956]

Are there any other online retirement calculators which forum users find helpful?

I have used Flexible Retirement Planner for Monte Carlo simulations.

 

[freebird5825]

Bogle still uses the old rule of your age equals your bond allocation. I think that looks better and better to me after this down turn. I'm 60 and was 50/50 going in. I think I'll remain 40/60 for the next 5 years.

Bogle's advice is exactly why i did 55/45 at FIRE at age 48, with a tiny fudge factor. with continued DCA into bonds for 2 more years, i was striving to hit a 50/50 AA at age 50.
to each their own, but i shall remain a "fence straddler" from here forward. the inevitable market recovery may unbalance my AA a bit...changing the targets of my ongoing DCA will take care of that.

 

[jIMOh]

This has taught me I want more cash on hand. MY allocation now is 97% equities and 3% cash/bonds. I am 35 and about 18 years from considering FIRE. Down 40%+ everywhere I look.

I am investing everything I have (into 401ks and IRAs) and would have liked a larger emergency fund so I could liquidate some of it on the dips.