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View Poll Results: For those of us over 55, what is your current stock exposure?
Less than 25% 10 10.53%
25 - 50% 38 40.00%
Over 50%, less than 75% 37 38.95%
Nearly all of it! 10 10.53%
Voters: 95. You may not vote on this poll

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Poll: For those over 55 and already FIRE, what is your current allocation?
Old 01-16-2012, 02:08 PM   #1
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Poll: For those over 55 and already FIRE, what is your current allocation?

Curious as to current allocation of those informed persons 55 and older already retired...
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Old 01-16-2012, 02:51 PM   #2
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Retired 11 years. Age 64. Pension and SS.

47% equities

39% Fixed

14% cash

Portfolio yields 3.4%

Currently can live on 62% of the yield.

Probably too conservative but sleep like a baby.
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Old 01-16-2012, 02:57 PM   #3
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I have about 43% in equities, 5% in cash and the rest in Fixed Income. (I count my I-Bonds and CDs to be fixed income.) Don't know if this is optimum or not.
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Old 01-16-2012, 03:04 PM   #4
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I have been keeping it at a simple 60/40 for many years. I keep about 5% in cash on the side.
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Old 01-16-2012, 03:38 PM   #5
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Quote:
Originally Posted by Bikerdude View Post
Retired 11 years. Age 64. Pension and SS.

47% equities

39% Fixed

14% cash

Portfolio yields 3.4%

Currently can live on 62% of the yield.

Probably too conservative but sleep like a baby.
My cash is mostly CD's.
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Old 01-16-2012, 04:00 PM   #6
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My target AA is 40% fixed income, 60% equities (48% domestic, 12% international).

Was less than pleased with international last year, but I believe it will bear fruit in the long run.
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Old 01-16-2012, 05:00 PM   #7
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I'm currently 52% and voted accordingly, but your ranges might have limited the differentiation you were hoping for (maybe not). I am guessing most people fall between 40:60 and 60:40.

This from a member who has blown poll construction more times than I care to remember, so grain of salt...
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Old 01-16-2012, 05:37 PM   #8
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I currently have 61% in equities. However, when I treat the income stream from my pension and DW's social security as if it came from a big slug of bonds, the calculated equity % drops to 28%.
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Old 01-16-2012, 06:24 PM   #9
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Our ER portfolio is in the usual 90% equities, 10% cash, no bonds.

Quote:
Originally Posted by grumpy View Post
I currently have 61% in equities. However, when I treat the income stream from my pension and DW's social security as if it came from a big slug of bonds, the calculated equity % drops to 28%.
With interest rates this low, if our federal pensions were counted that way we'd be about 10% equities...
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Old 01-16-2012, 06:26 PM   #10
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My target is 50/45/5 (equity/FI/cash), but my current AA is 35/35/30 (equity/FI/Cash). My plan is to shift cash to equity and fixed income to meet my target.
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Old 01-16-2012, 08:20 PM   #11
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My approx allocation:

30% total us stock
20% total international stock
38% total bond market
12% money market
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Old 01-16-2012, 09:12 PM   #12
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50/50.....Very simply 35% VTSAX, 15% VTIAX, and 50% VBTLX. The Vanguard Admiral funds for total stock, total int, and total bond.
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Old 01-17-2012, 08:16 AM   #13
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Quote:
Originally Posted by Midpack View Post
I'm currently 52% and voted accordingly, but your ranges might have limited the differentiation you were hoping for (maybe not). I am guessing most people fall between 40:60 and 60:40.
I agree. I would have liked to see the choices be in 10% increments. The only info here is that there aren't many folks at the extremes.

I'm just under 50% equities so picked the second category. But if we have a good week in the markets, I'll have to change that to the third category........
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Old 01-17-2012, 09:51 AM   #14
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About 90% equities and 10% cash at the moment. Waiting for my opportunity to get back to 100% equities, but near-term maybe I'll have a chance to raise more cash.

DW hasn't retired yet (probably late this year), but we have been "decumulating" the portfolio for the last four years.
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Old 03-07-2012, 11:08 AM   #15
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Quote:
Originally Posted by SpencerM View Post
Curious as to current allocation of those informed persons 55 and older already retired...
27% Stocks
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Old 03-07-2012, 12:18 PM   #16
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Probably near 50/50.
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Old 03-07-2012, 05:33 PM   #17
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Retired Jan 1 2008. AA has been 25% equities, 65% fixed income and 10% cash since then. So far my WR has been <0.2% (non-cola pension currently covers almost 100% of expenses).

Don't know how long that good fortune will last.
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Old 03-07-2012, 06:12 PM   #18
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FIREd age 48 in 2007
Almost 55 (2 more years )

AA 30/65/5 as of today (cluck cluck cluck)

Poll is showing CLOSED so I could not vote.
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