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Old 01-23-2012, 11:48 AM   #41
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Quote:
Originally Posted by Animorph View Post
My target allocations are:

Energy 8%
Materials 2%
Frontier 4%
EM large growth 4%
EM large value 4%
EM small growth 4%
EM small value 4%
Foreign large growth 5.5%
Foreign large value 5%
Foreign small growth 9%
Foreign small value 8%
Foreign Real Estate 5%
US Real Estate 5%
US large growth 8.5%
US large value 8%
US small growth 7%
US small value 8%
Cash 1%

Currently I have extra cash, but the equities match within my rebalancing targets if you take out the extra cash. No bonds except incidental mutual fund exposure and much of the extra cash.
I would do some overlap analysis.........
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Old 01-23-2012, 12:28 PM   #42
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Quote:
Originally Posted by Midpack View Post
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.
So it was interesting to see alternative investments also. A strength of our country is the ability to look outside the box (except for me).

Also, forthose that have a pension or other source outside retirement investments, it has been suggested to me that you have to consider the present value of that if you want a true view of your AA. Not that you want to run from other fixed income but may not need such a heavy allocation as otherwise.

My mother has pension and SS and lives on about 1/2 of the combined total. Due to no need for income right now I have her in 60% stocks and 40% bonds at age 80. FWIW
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Old 01-23-2012, 12:32 PM   #43
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I would do some overlap analysis.........

Probably quite a bit, particularly EM and because I use mostly active funds, but I rebalance by individual fund and let them fall where they may. No need to be precise.
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Old 01-23-2012, 02:00 PM   #44
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Probably quite a bit, particularly EM and because I use mostly active funds, but I rebalance by individual fund and let them fall where they may. No need to be precise.
That's why I like ETFs over mutual funds..........
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Old 01-23-2012, 03:35 PM   #45
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That's why I like ETFs over mutual funds..........
I benchmark the individual MF's against a relevent ETF. If the MF long-term performance isn't good it gets replaced with the ETF. Maybe in a decade or so I'll be all index ETF's! So far I have 7 of them, out of 34 total funds. It'll be interesting to see how this works out.
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Old 01-23-2012, 03:51 PM   #46
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... index ETF's! So far I have 7 of them, out of 34 total funds. It'll be interesting to see how this works out.
+1
34 Funds, wow. I thought I was a mutual fund with 52 positions and some of them MFs (6) & ETFS. How did you do last year with that much overlap?
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Old 01-23-2012, 04:29 PM   #47
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+1
34 Funds, wow. I thought I was a mutual fund with 52 positions and some of them MFs (6) & ETFS. How did you do last year with that much overlap?

Overlap is not a drag on performance, it just messes with your style purity. And with active funds, I'm not yet a purist.

I was -8.53% last year according to Quicken, mostly due to all the foreign equities (VT was -7.71%). Light withrawals so far with DW still working.
+22.85% for the last 3 years (VT was +11.71%). Probably my small-cap overweight among other things for that.
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Old 01-23-2012, 04:31 PM   #48
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The bonds are a mix of 1/3 bond funds, 1/3 CDs, 1/3 individual junk bonds.
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Old 01-23-2012, 04:45 PM   #49
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Global Equities: 60%
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Global position was my drag
Old 01-23-2012, 04:48 PM   #50
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Global position was my drag

Quote:
Originally Posted by Animorph View Post
I was -8.53% last year according to Quicken, mostly due to all the foreign equities (VT was -7.71%)
May be it wasn't as bad as Quicken reported. It does not adjust for spending, so I use spreadsheet.
I was up 1.18% in 2011, that includes some dividend spending. That will change with my SS in 2012. Global position was my drag, also.
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Old 01-23-2012, 04:50 PM   #51
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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...
Ok rescue, you have caught me in the middle.... I wasnt born after 1964, but Im still not yet 48 either. So I dont know whether to agree with you or disagree FWIW- Take some small comfort in knowing no matter how bad your chart came out, it is still better than anything I could have done!
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Old 01-23-2012, 07:35 PM   #52
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It was interesting (but not surprising in this economy/market) how some people have eschewed bonds for cash equivalents.
I've always been suspicious of that "reduce volatility of your equity portfolio by holding bonds" bromide.

What about reducing volatility by holding cash?

We put some of our daughter's college fund into EE & I bonds because of the tax-free benefits (not because of the economy or the market). We've avoided bonds in our ER portfolio for over 25 years because (1) they were way underperforming equities, (2) cash seemed to reduce our volatility as well as bonds, and (here's the big one) (3) if you have a defined-benefits pension (or an annuity) then you're already carrying a pretty heavy slug of bonds in a portfolio.

Hypothetically, when retirees start drawing Social Security then they should reduce their asset allocation of bonds. Hmm.
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Old 01-23-2012, 10:37 PM   #53
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Here's mine. Domestic stocks are at the high end because of some stock that I received in an ESOP in 1980 and has been accumulating. Cash is mostly CD's and interest earning accounts.
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Old 01-23-2012, 10:39 PM   #54
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The bonds are a mix of 1/3 bond funds, 1/3 CDs, 1/3 individual junk bonds.
An all bond portfolio? Better keep an eye on those durations.......
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Old 01-23-2012, 10:48 PM   #55
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An all bond portfolio? Better keep an eye on those durations.......
If you look just a little bit you will see the bond slice of the pie is about the 30% of the total.
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Old 01-23-2012, 10:55 PM   #56
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a. SP 500 Index (& active funds) 10.16%
b. US large cap value 4.12%
c. US mid cap inx 2.47%
d. US small cap inx 2.55%
e. US small cap value inx 2.57%
f. REIT inx 2.79%
g. International LC inx 4.81%
h. International value 3.08%
i. International SC 2.13%
j. Emerging Markets inx 2.54%
l. US Bonds inx 4.43%
m. Foreign Bond fund 1.34%
n. Short term in funds 1.30% (from reports)
o. Family loan/Life Ins. CV 5.09%
p. Cash 5.34%
q. Pension value 45.28% (cost to buy similar annuity)


A recent snapshot, but looking to simplify.
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Old 01-24-2012, 01:04 PM   #57
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MMF = Money Market Fund
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SPY, IWM, and IEI are proxies for the S&P500, Russell2000, and total bond market non-listed private funds with 0.03% ERs in my 401K...
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Old 01-24-2012, 06:19 PM   #58
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My IRA:

45% US Growth Stock ETF
10% Emerging Markets Growth Stock ETFs
20% Real estate company & REITs
10% Gold ETF
5% Oil ETF
5% S&P 500 Short
5% Cash

This is my growth account, if you will. I also have a 401k full of plain vanilla index funds and will receive a pension.
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Old 01-25-2012, 05:03 AM   #59
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My munis maturities are between 2025 and 2035. Rates up to 6.75% I believe.
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Hi obgyn65,
I like muni's, what maturities do you favor? Thanks
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