I would like your opinion on the following two questions. I would like to be early retired yesterday (lol!) but realistically speaking, I probably won't be able to retire for another 8 to 15 years. I think it will take that long to acquire a net worth that would support my estimated annual living expenses using a 4 percent safe withdrawal rate. I am currently 40 years old.
1. My current stock allocation is 80 percent of my total investment portfolio and my current bond allocation is 20 percent of my total investment portfolio. Do you think that this is an appropriate allocation for my investment horizon?
2. My current international stock allocation is 17 percent of my total investment portfolio and my current international bond allocation is 4 percent of my total investment portfolio. Do you think that this is an appropriate international allocation for my investment horizon? I have read at least one article that suggested at least 50 percent of an investment portfolio should be allocated to international stocks and bonds. As you can see, my total international exposure amounts to about 21 percent, and that is what led my question here.
Thanks.
1. My current stock allocation is 80 percent of my total investment portfolio and my current bond allocation is 20 percent of my total investment portfolio. Do you think that this is an appropriate allocation for my investment horizon?
2. My current international stock allocation is 17 percent of my total investment portfolio and my current international bond allocation is 4 percent of my total investment portfolio. Do you think that this is an appropriate international allocation for my investment horizon? I have read at least one article that suggested at least 50 percent of an investment portfolio should be allocated to international stocks and bonds. As you can see, my total international exposure amounts to about 21 percent, and that is what led my question here.
Thanks.