Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
How does your asset mix look at present
Old 09-12-2008, 09:14 AM   #1
Recycles dryer sheets
Canadian Grunt's Avatar
 
Join Date: May 2007
Location: Edmonton
Posts: 197
How does your asset mix look at present

I recently added to my MSCI EAFI component as it took a dive this year and wanted to average up my losses by purchasing more of the ETF. As part of the process I recalculated my portfolio mix.

Everything I own generates cash in the form of dividends or interest.

Here is my mix, what's yours? and have you readjusted to compensate for the economic downturn within the last 6 months or are you sitting tight?


Fixed Income (mostly corporate bonds) 37%

Energy 10% (international oil stocks with HQ in Canada)

Dividend 15%

MSCI EAFI 18%

Reits 3%

Income Trusts (contain a high energy component) 13%

Cash 3%



The only stocks I own are two Canadian oil companies. The rest are iShares ETFs and a small component of CDs.

Portfolio is down 2.5% for the year as of yesterdays close.
__________________

__________________
it's the journey that matters
Canadian Grunt is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 09-12-2008, 09:51 AM   #2
Recycles dryer sheets
 
Join Date: Nov 2003
Location: Charlotte
Posts: 360
Fixed Income 46% (1/2 in Wellesley)

Dividend Paying Stock 12% (in Wellesley)

MSCI EAFI 10%

TSM and Mid-caps 20%

REIT Index 8%

Cash 4%
__________________

__________________
WilliamG is offline   Reply With Quote
Old 09-12-2008, 10:07 AM   #3
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Nov 2007
Posts: 7,526
Total Market Index (US) - 16.5%
Extended Market (Wilshire 4500) - 14.8%
Value (US) (includes Bank index fund) - 11.6%
Small Cap indx (US) - 6.3%
Small Cap Value index (US) - 8.3%
European Index - 12.2%
Pacific indx - 12.2%
Emerg. Mkts index - 12.0%
International Value - 6.1%


I just rebalanced a bunch into the European, Pacific, and Emerging Mkts this week to get back to my target of 12.5% in each of those. International Value is way under my desired 12.5% allocation, but I'm waiting till Jan 1 to partially correct this with IRA contributions (no way would I want to hold Intl Value in my taxable accounts).


This doesn't include a chunk of odds and ends that I'm slowly whittling away and investing according to my asset allocation.
__________________
FUEGO is offline   Reply With Quote
Old 09-12-2008, 11:19 AM   #4
Thinks s/he gets paid by the post
DblDoc's Avatar
 
Join Date: Aug 2007
Posts: 1,224
As of last month when I last invested:

US Large Caps31.22%
US Value7.30%
US Small Value4.68%
US REIT's4.34%
Foreign Stocks18.64%
Emerging Markets8.41%
Foreign Value5.24%
Short Term Gov14.44%
Int Term Gov5.73%

New money is going into the laggards which I'm guessing will once again be foreign equities.

Down 7.99% YTD with an 80:20 AA

DD
__________________
DblDoc is offline   Reply With Quote
Old 09-12-2008, 12:10 PM   #5
Thinks s/he gets paid by the post
 
Join Date: Jul 2005
Posts: 3,862
Mine's same as always, but I've had to rebalance to stay there. Clearly foreign equities have dropped a lot more than domestic recently. I just added to EM, and foreign large and small growth are close to requiring more. I also added to natural resources last month. Nothing on the domestic side is below target.
__________________
Animorph is offline   Reply With Quote
Old 09-12-2008, 12:55 PM   #6
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2005
Posts: 8,616
A morningstar portfolio analysis tells me I have:
11% cash
23% bonds
31% US stocks
26% foreign stocks
8% TIAA real estate

Of the stocks, about 52% large cap, 48% mid/small cap. Despite the 11% cash, I have no cash myself. It seems my 401(k) bond fund has a lot of cash.

Normally, I want foreign stocks to be same as US stocks, but foreign has dropped more than US stocks in the last few months. Before year-end, I will probably rebalance about 5% from fixed income into more foreign stocks to get back to 31% foreign stocks.
__________________
LOL! is offline   Reply With Quote
Old 09-13-2008, 01:07 AM   #7
Thinks s/he gets paid by the post
 
Join Date: Jul 2005
Location: Los Angeles area
Posts: 1,432
50yo, retired 2 years. 3% cash, 97% individual stocks (EMR, GE, ITW, JNJ, KIM, KO, MMM, PG, SYY about evenly at the moment). Up 0.3% YTD as of yesterday.
__________________
learn, work, save, invest, fire
CyclingInvestor is offline   Reply With Quote
Old 09-13-2008, 02:43 AM   #8
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Feb 2007
Posts: 5,072
I have moved nothing.... but my bond to stock ratio has come close to the target that I wanted to achieve over the next couple of years (through rebalancing) and I didn't have to do a thing. The market did it for me.
__________________
chinaco is offline   Reply With Quote
Old 09-13-2008, 05:16 AM   #9
Thinks s/he gets paid by the post
Tadpole's Avatar
 
Join Date: Jul 2004
Posts: 1,170
My international as a percent of equities is the highest it has been. But, my equities as a percent of portfolio is the lowest it has been.
__________________
Tadpole is offline   Reply With Quote
Old 09-13-2008, 06:11 AM   #10
Dryer sheet wannabe
v5200's Avatar
 
Join Date: Sep 2008
Posts: 21
I know I need to rebalance, but here's a snapshot form this AM:

Domestic Stocks 45.72% ($846,451.62)
Foreign Stocks 13.22% ($244,773.72)
Bonds 6.32% ($117,087.80)
Short-term 32.12% ($594,719.87)
Unknown 0.00% ($25.71)
Other 2.61% ($48,333.44)

I kow I have way too much in short term (a tax free bond fund), but the market is so unstable right now, I can't help but feel that waiting might be a good strategy.

I'mm 44 and hope to retire in 2 years...
__________________
v5200 is offline   Reply With Quote
Old 09-13-2008, 07:09 AM   #11
Recycles dryer sheets
 
Join Date: May 2007
Posts: 290
Target allocations unchanged, but I'm low on stocks as compared to target, unsurprisingly. (Bonds target is age-10.)

Within that, my target is 50/50 Japan/foreign stocks, where "foreign" is 50/50 US/elsewhere. New money is currently going into US and EM.
__________________
bpp3 is offline   Reply With Quote
Old 09-13-2008, 07:28 AM   #12
Full time employment: Posting here.
 
Join Date: Oct 2003
Posts: 961
My 60/40 portfolio

VIPSX 15%
VBMFX 25%
US stocks 30%
Foreign Stocks 30%
__________________
ats5g is offline   Reply With Quote
Old 09-13-2008, 08:12 AM   #13
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,971
Not sure why you'd care but I'm sitting tight, sleeping like a baby:

21.1% Large Blend
6.6%
Large Value
11.4% Small Blend
5.5%
Small Value
14.2% Intl
6.4% Emerging Markets
3.1% REIT
2.6%
Commodity
23.7% Bonds
5.4% Cash
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 60% equity funds / 35% bond funds / 5% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
Midpack is offline   Reply With Quote
Old 09-13-2008, 10:59 AM   #14
Thinks s/he gets paid by the post
Spanky's Avatar
 
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,046
Quote:
Originally Posted by Midpack View Post
Not sure why you'd care but I'm sitting tight, sleeping like a baby:

21.1% Large Blend
6.6%
Large Value
11.4% Small Blend
5.5%
Small Value
14.2% Intl
6.4% Emerging Markets
3.1% REIT
2.6%
Commodity
23.7% Bonds
5.4% Cash
You appears to have a great tolerance for risk with about 70% equity exposure.
__________________
May we live in peace and harmony and be free from all human sufferings.
Spanky is offline   Reply With Quote
Old 09-13-2008, 11:01 AM   #15
Thinks s/he gets paid by the post
Spanky's Avatar
 
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,046
Quote:
Originally Posted by v5200 View Post
I know I need to rebalance, but here's a snapshot form this AM:

Domestic Stocks 45.72% ($846,451.62)
Foreign Stocks 13.22% ($244,773.72)
Bonds 6.32% ($117,087.80)
Short-term 32.12% ($594,719.87)
Unknown 0.00% ($25.71)
Other 2.61% ($48,333.44)

I kow I have way too much in short term (a tax free bond fund), but the market is so unstable right now, I can't help but feel that waiting might be a good strategy.

I'mm 44 and hope to retire in 2 years...
Short-term bond funds are doing well this year.

It's great to have the ability to retire in 2 years -- congrats.
__________________
May we live in peace and harmony and be free from all human sufferings.
Spanky is offline   Reply With Quote
Old 09-13-2008, 11:17 AM   #16
Thinks s/he gets paid by the post
 
Join Date: Aug 2006
Posts: 1,358
I'm at about 97% equity exposure, with 3% cash.

I'm unwilling to buy bonds when they pay less than the inflation rate.

I feel that buying government bonds at current prices is a riskier activity than buying stock in solid companies at current prices.

Quote:
Originally Posted by Spanky View Post
You appears to have a great tolerance for risk with about 70% equity exposure.
__________________
Hamlet is offline   Reply With Quote
Old 09-13-2008, 11:38 AM   #17
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,971
Quote:
Originally Posted by Spanky View Post
You appears to have a great tolerance for risk with about 70% equity exposure.
I had 100% equity exposure until less than 5 years ago...not for the faint of heart I realize. Slept like a baby, had great long term returns...
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 60% equity funds / 35% bond funds / 5% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
Midpack is offline   Reply With Quote
Old 09-13-2008, 11:45 AM   #18
Thinks s/he gets paid by the post
Free To Canoe's Avatar
 
Join Date: May 2008
Location: Cooksburg,PA
Posts: 1,738
ASSET ALLOCATION

26.13% US Stock MFs
18.43% EmergingMkts
27.21% WORLD MFs
5.49% OIL&GAS MFs
17.63% REIT MFs
4.72% CASH

All are in no load mutual funds except for cash.

Free to canoe
__________________
Free To Canoe is offline   Reply With Quote
Old 09-13-2008, 01:48 PM   #19
Full time employment: Posting here.
Ronnieboy's Avatar
 
Join Date: Feb 2008
Posts: 646
Quote:
Originally Posted by CyclingInvestor View Post
50yo, retired 2 years. 3% cash, 97% individual stocks (EMR, GE, ITW, JNJ, KIM, KO, MMM, PG, SYY about evenly at the moment). Up 0.3% YTD as of yesterday.

I know most of these pay dividends, do they all? Is your plan to live off the dividends and if so is it working well?

How often do you liquidate one stock and go for another?
__________________
I don't want to spend my entire life at work. I deserve more. - Want2retire aka W2R
Ronnieboy is offline   Reply With Quote
Old 09-13-2008, 02:59 PM   #20
Thinks s/he gets paid by the post
 
Join Date: Jul 2005
Location: Los Angeles area
Posts: 1,432
Quote:
Originally Posted by Ronnieboy View Post
I know most of these pay dividends, do they all? Is your plan to live off the dividends and if so is it working well?

How often do you liquidate one stock and go for another?
They all have a long history of increasing dividends. I live off them indirectly - most of my assets are in IRAs, so the dividends are more than enough to fund my 72t distributions. These distributions get transferred once per year into my after-tax account, from which I transfer chunks of $$ into my checking account as needed. It is working fine so far.

I track a universe of about 25-30 stocks, and will own 5-20 of them at any moment. I liquidate one position to buy another whenever it becomes over-valued (IMO) compared to the others in my tracking universe that I do not own. Sometimes this can happen quickly (a week or two), but more commonly positions are held for a few months to a few years. I have owned KIM for about 8 years now. I been investing in individual stocks for about 15 years now, and settled on this method about 10 years ago.
__________________

__________________
learn, work, save, invest, fire
CyclingInvestor is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
401k mix Ronstar FIRE and Money 9 09-20-2007 09:09 AM
Camcorders: Help me buy my birthday present BOBOT Other topics 1 07-22-2007 05:58 PM
Present value of Social Security Sam FIRE and Money 50 04-01-2007 10:53 PM
Present Value of Social Security Telly FIRE and Money 15 10-03-2006 12:10 PM
Question for past & present cruisers brewer12345 Life after FIRE 15 06-04-2005 08:49 AM

 

 
All times are GMT -6. The time now is 07:38 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.