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Old 03-20-2009, 08:03 AM   #21
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Bank5, I would go a little longer on bonds, but since you are 28 yo, your retirement PF could just as well be 100% equities.

I'm recently retired and my PF is in flux.
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Old 03-20-2009, 10:11 AM   #22
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Quote:
Originally Posted by mathjak107 View Post
when you rebalance do you sell off the living room in your home ?
Actually, yes I do -- I sell little certificates to suckers on the internet. Interested?
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Old 03-20-2009, 10:24 AM   #23
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Some might say a little conservative for your age, but I like it.
I know it's a bit too conservative and I might let it go back to 60% stocks/40% bonds but no higher. I am a better saver than I am an investor. So I think that, for me, slow and steady is a better path to prosperity than fast and furious.
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Old 03-20-2009, 10:47 AM   #24
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Large Cap 15.56%
Mid Cap 9.80%
Small Cap 8.65%
REIT 1.29%
Int'l Developed 7.13%
Int'l Developing 2.46%
Oil and Gas E&P 2.51%
PM Equities 2.56%
Physical PM 0.58%
Cash/Bonds 49.45%

Hopefully 4-5 years from retirement.
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Old 03-20-2009, 02:24 PM   #25
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Quote:
Originally Posted by FIREdreamer View Post
I know it's a bit too conservative and I might let it go back to 60% stocks/40% bonds but no higher. I am a better saver than I am an investor. So I think that, for me, slow and steady is a better path to prosperity than fast and furious.
I totally understand and agree.
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Old 03-21-2009, 08:54 AM   #26
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The last time I adjusted things I had:
70% equities/30% bond and TIPS funds, CDs, cash.
Both are 50% US/50% foreign.
Bias towards small cap value.
Bias towards dividend producers.
Most distributions go to a MMF. Once a year I decide where to put the cash. Lately I have been creating a CD ladder one year at a time.
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Old 03-21-2009, 09:30 AM   #27
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This thread made me look at my allocation...I have been avoiding it..... Usually I stay at:

45% US Large and Mid cap
45% Bonds & Fixed Income
10% Cash

Now I'm:

30% US Large and Mid cap
51% Bonds & Fixed Income
19% Cash

51 and retired...need to do some rebalancing...or maybe not....
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Old 03-21-2009, 11:35 AM   #28
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40% equities (divided up globally based on average of percentage of market cap and GDP) -- all index / DFA type funds
30% relative value / hedge funds - they've held up quite well in the last 6 months
20% inflation sensitive assets - real estate / TIPs / commodities
10% deflation sensitive assets -- short term bonds / cash
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Old 03-21-2009, 12:48 PM   #29
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i run 2 seperate portfilios and incorporate them into ray lucias buckets of money system

1 portfolio follows eric kobrens fidelity insight newsletter and we follow the growth mix

down 36% last year


the 2nd portfolio follows the permanent portfolio strategy
25% vti total market index
25% TLT long term treasuries
25% GLD gold
25% cash

up 1% last year

at this stage i think most of the money will be put into the permanent portfolio

we just sold some investment property last week and are very cash heavy now

overall we are 25% domestic stock funds
3% foreign
4% bonds
68% cash, cd,s money markets
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Old 03-21-2009, 04:20 PM   #30
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Per M* portfolio tracker - asset composition is limited to MFs, EE and I bonds, money market account.
Not included: personal savings/checking accounts or income sources.

Cash 2%
US Stocks 29%
Foreign Stocks 10%
Bonds 59%
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Old 03-22-2009, 08:38 PM   #31
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No flames please:

15% - cash
40% - vested but not exercised former mega-corp options
35% - TSX index (I'm Canadian)
10% - individual stocks

Note the diversification!
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Old 03-22-2009, 09:31 PM   #32
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60% equities/40% bonds

Equities split equally between international and domestic and large & small cap.
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