Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 01-22-2012, 08:30 PM   #21
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Dawg52's Avatar
 
Join Date: Feb 2005
Location: Central MS/Orange Beach, AL
Posts: 7,433
I'll Show You Mine, If You Show Me Yours...

I would, but can't figure out how to copy the pie chart from Fidelity. Oh well, nothing much to look at anyway. Pretty conservative mix.
__________________

__________________
Retired 3/31/2007@52
Full time wuss.......
Dawg52 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 01-22-2012, 10:10 PM   #22
Full time employment: Posting here.
 
Join Date: Apr 2008
Posts: 702
Large Cap Equity 25.9%
Small Cap Equity 2.8%
International Equity 8.4%
Fixed Income 54.2%
Cash Investments 3.1%
Other 5.6%
__________________

__________________
FreeAtLast is offline   Reply With Quote
Old 01-22-2012, 10:24 PM   #23
Moderator Emeritus
Nords's Avatar
 
Join Date: Dec 2002
Location: Oahu
Posts: 26,616
From my profile:
Our ER portfolio is three ETFs and one stock: ~23% each of Berkshire Hathaway, EFV, DVY, and IJS. The remaining 8% cash is two years' expenses for bear markets and volatility swings.

No bonds, no REITs, no commodities. Cash flow from a 33-year-old rental that we may downsize to in 20-30 years. With COLA pensions & flexible expenses the rest of our ER portfolio can be way out on the risk/return curve.

~16% of our ER portfolio comes from our home mortgage, a 30-year 3.625%. It's invested in the small-cap value ETF.
__________________
*
*

The book written on E-R.org, "The Military Guide to Financial Independence and Retirement", on sale now! For more info see "About Me" in my profile.
I don't spend much time here anymore, so please send me a PM. Thanks.
Nords is offline   Reply With Quote
Old 01-22-2012, 11:37 PM   #24
Recycles dryer sheets
 
Join Date: Jun 2008
Posts: 55
No dry powder, Nords? Reflect your sense of valuations? Or your buy-and-hold belief?

I've lots:

65% Cash (55% Stable Value, 10% MM [taxable])

20% PM&M (VGPMX)
5% Energy (VGENX)

5% SV (VSIAX)
5% ISV (VINEX)
__________________
james22 is offline   Reply With Quote
Old 01-22-2012, 11:43 PM   #25
Full time employment: Posting here.
 
Join Date: Nov 2010
Posts: 583
27.7 Large Cap Equity
6.0 Mid-Cap Equity
50.0 Foreign Equity
16.3 Cash/bonds
__________________
devans0 is offline   Reply With Quote
Old 01-22-2012, 11:48 PM   #26
Moderator Emeritus
Nords's Avatar
 
Join Date: Dec 2002
Location: Oahu
Posts: 26,616
Quote:
Originally Posted by james22 View Post
No dry powder, Nords? Reflect your sense of valuations? Or your buy-and-hold belief?
We just finished a familyroom renovation that sucked up our dry powder and some of our portfolio.

But other than once-a-decade home renovations, every year I trade less.

I've been selling off some of the small-cap value for other small investments in local startups, but most of our investing has been selling covered calls.
__________________
*
*

The book written on E-R.org, "The Military Guide to Financial Independence and Retirement", on sale now! For more info see "About Me" in my profile.
I don't spend much time here anymore, so please send me a PM. Thanks.
Nords is offline   Reply With Quote
Old 01-23-2012, 12:29 AM   #27
Recycles dryer sheets
 
Join Date: Jun 2008
Posts: 55
Thanks.
__________________
james22 is offline   Reply With Quote
Old 01-23-2012, 12:41 AM   #28
Thinks s/he gets paid by the post
 
Join Date: Jul 2005
Location: Los Angeles area
Posts: 1,432
still 100% individual stocks (all mid to large cap domestic) (since 1993)

53, retired 5 years
__________________
learn, work, save, invest, fire
CyclingInvestor is offline   Reply With Quote
Old 01-23-2012, 03:37 AM   #29
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,967
Quote:
Originally Posted by RetireBy90 View Post
So I'm curious, seems youare already retired, correct?
And do you have any pension or SS?

Just to see what situation the AA goes with...
Retired Jun 2011, no pension, age 57 not planning on SS until age 70. DW still working, not sure how much longer.
__________________
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 01-23-2012, 06:34 AM   #30
Full time employment: Posting here.
cardude's Avatar
 
Join Date: Feb 2006
Posts: 599
image-3069991607.png

Here's mine. The "other" section contains the angel investments. This chart does not include the money I put into the used car lot ( about 15%).
__________________
ER'ed from the new car business Feb 2008. I'm 47, she's 45. Two boys ages 15 and 13. DW is SAHM. I've got a part-time used car lot I w*ork at 3 hours a day that keeps me in beer money.....
cardude is offline   Reply With Quote
Old 01-23-2012, 06:46 AM   #31
Recycles dryer sheets
 
Join Date: Feb 2009
Location: Cville
Posts: 399
Quote:
Originally Posted by Midpack View Post
Retired Jun 2011, no pension, age 57 not planning on SS until age 70. DW still working, not sure how much longer.
Thanks. Just wondering, looks like 50% stocks, 40% bonds and 8% cash, if a 50/50 returns say 6% overtime, is that enough to fund expenses with some inflation?

I'm 55 plan to fire in 4 years, 50K pensions, DW takes SS in 8 years, me in 12 years. Need another 36K after taxes above pension till SS. SS should put us back with same takehome as today.

My goal AA is:

Stocks: 70% (25% large cap, 20% small/mid, 25% foreign)
Fixed: 30% (US bonds 15%, Intl Bonds 5%, casn 10%)
graph1.jpg
We have RE but not sure how it figures in my AA. Do you count equity or total value regardless of mortgage? Probably need to count Total value cause that is what I have on the line. So if I include value of RE then

RE:32%
Stocks: 49% (18% large cap, 14% small/mid, 17% foreign)
Fixed: 19% (cash 8%, bonds 8%, intl bonds 3%)
graph2.jpg
Hrmmm - if that looks rather agressive, remember I have the pensions.
With RE doing such a job on the AA, and I'd like to get another property in 2 years, not sure I like how that would affect the AA.
__________________
RetireBy90 is offline   Reply With Quote
Old 01-23-2012, 06:54 AM   #32
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,967
Quote:
Originally Posted by RetireBy90 View Post
Thanks. Just wondering, looks like 50% stocks, 40% bonds and 8% cash, if a 50/50 returns say 6% overtime, is that enough to fund expenses with some inflation?
I hope so. Our WR is 2.2% before we start Soc Sec, about half that once we're both taking Soc Sec. Time will tell...
__________________
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 01-23-2012, 07:13 AM   #33
Recycles dryer sheets
 
Join Date: Feb 2009
Location: Cville
Posts: 399
Quote:
Originally Posted by Midpack View Post
I hope so. Our WR is 2.2% before we start Soc Sec, about half that once we're both taking Soc Sec. Time will tell...
WOOT!!! at 2.2% you are da man.
__________________
RetireBy90 is offline   Reply With Quote
Old 01-23-2012, 07:54 AM   #34
gone traveling
 
Join Date: Apr 2009
Location: Eastern PA
Posts: 3,851
Cash 25.11
U.S. Stocks 36.10
Foreign Stocks 12.24
Bonds 25.81
Other 0.74
Not Classified 0.00


I would think that the question is also "where are you in your plan"? Are you just starting out, getting ready for retirement in a few years, are in early retirement (whatever the age), or in late retirement (which I/DW consider age 80+)? That makes a big difference as to your current AA.

Cash is higher than most would consider "prudent" in our case; however since I'm retired (DW will soon be) and we're both pre-SS and DW is pre-pension (two separate benefit streams), we have no need to risk taking income from non-cash assets, worrying about market "flux".

BTW, depending on when you want to measure cash, we currently have between 6-20 years of expenses represented by our existing cash; less today, but more within the next two years as additional benefit/income streams start.

It's variable, since we're both 64 but within a year, DW's two small pensions kick in, followed by FRA SS for her (along with my 50% claim on her SS) a year later, which means we will be drawing very little from our cash. I plan to file for SS at age 70.

Again, this is only for targeted retirement investments and dosen't represent current remaining SPIA value payable to our estate as beneficiary along with non-retirement investments.

BTW, our joint AA during our prime accumulation years (ages 34 to 55) was 90/10 (90% equity, 10% bond/cash), and was moved to a 60/40 (60% equity, 40% bond/cash) from ages 56 as we prepared for retirement (age 59) and sold off many years of profits to establish our respective retirement expense cash buckets). At age 62, we changed our joint AA to 50/50 since we found we could reduce risk and did not need to accumulate more - rather than protect "our number" along with ensuring a plan subject to future inflation unknowns.

Since you asked...
__________________
rescueme is offline   Reply With Quote
Old 01-23-2012, 09:54 AM   #35
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,967
Quote:
Originally Posted by rescueme View Post
I would think that the question is also "where are you in your plan"? Are you just starting out, getting ready for retirement in a few years, are in early retirement (whatever the age), or in late retirement (which I/DW consider age 80+)? That makes a big difference as to your current AA.
Why are you whispering?

Good observation, though most people here appear to be about 55 10 years of age, so that's what I was assuming. This recent poll suggests there are no "late retirement" folks here...

Poll:How Old Are You? Ted Shepherd got me wondering.
__________________
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 01-23-2012, 10:03 AM   #36
gone traveling
 
Join Date: Apr 2009
Location: Eastern PA
Posts: 3,851
Quote:
Originally Posted by Midpack View Post
Why are you whispering?
That's what happens when you use MS/Word to create a post and then copy/paste it without knowing what the BBS will post it as (in look) even though it looks good to you at the time of posting ...

BTW, I thought there was a good representation of "post-boomers" on the board, based on some current negative responses to me recently (no, don't want to start a fight - just an observation) of those that were born after 1964. That would be anybody of the current age of 48 or less. That falls within your 55 +/- but not by much.

Just a simple observation...
__________________
rescueme is offline   Reply With Quote
Old 01-23-2012, 10:30 AM   #37
Thinks s/he gets paid by the post
grasshopper's Avatar
 
Join Date: Oct 2010
Posts: 1,669
__________________
grasshopper is offline   Reply With Quote
Old 01-23-2012, 11:19 AM   #38
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
easysurfer's Avatar
 
Join Date: Jun 2008
Posts: 7,885
My actual:


__________________
Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
easysurfer is offline   Reply With Quote
Old 01-23-2012, 11:28 AM   #39
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Lsbcal's Avatar
 
Join Date: May 2006
Location: west coast, hi there!
Posts: 5,676
When I first read the thread title "I'll show you mine if you show me yours...", I had flashbacks to those pre-school days in the bushes with the opposite sex.


65/35 equity/FI

FI:
6% cash
21% Ibonds
29% Short Term bonds (switch strategy)
45% Intermediate/cash (switch strategy)

equity (all indexed, all switch strategy):
30% US/international -- presently all US
42% LV/LG -- presently LV
14% MV/MG -- presently MV
14% SV/SG -- presently SV
__________________
Lsbcal is offline   Reply With Quote
Old 01-23-2012, 11:30 AM   #40
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,967
Of the 15 replies I could clearly assign numbers to (most of them), so far:

AssetAvgLowHigh
Stocks57%31%99%
Bonds28%0%57%
Cash Equiv16%0%65%

That and a nickel...

It was interesting (but not surprising in this economy/market) how some people have eschewed bonds for cash equivalents.
__________________

__________________
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
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
Dr. Sanjay Gupta CNN show on No More Heart Attacks Mulligan Health and Early Retirement 50 05-08-2012 12:28 PM
Martha Stewart Show Cancelled Midpack Stock Picking and Market Strategy 19 01-14-2012 09:59 PM
What's Your Favorite TV Logging show? mickeyd Other topics 20 12-13-2011 10:55 AM
Your Internet Is Not The Same As Mine Rustward Other topics 8 11-15-2011 05:09 PM
Show us your deck/patio pics! Fireup2020 Other topics 42 09-28-2011 09:19 AM

 

 
All times are GMT -6. The time now is 02:35 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.