Join Early Retirement Today
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

Reply
 
Thread Tools Search this Thread Display Modes
Poll: For those over 55 and already FIRE, what is your current allocation?
Old 01-16-2012, 03:08 PM   #1
Recycles dryer sheets
 
Join Date: Jan 2011
Location: ...that depends...
Posts: 54
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...
__________________

__________________
It is the journey!
SpencerM 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 01-16-2012, 03:51 PM   #2
Thinks s/he gets paid by the post
Bikerdude's Avatar
 
Join Date: Jul 2006
Posts: 1,901
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.
__________________

__________________
“I guess I should warn you, if I turn out to be particularly clear, you've probably misunderstood what I've said” Alan Greenspan
Bikerdude is offline   Reply With Quote
Old 01-16-2012, 03:57 PM   #3
Full time employment: Posting here.
friar1610's Avatar
 
Join Date: Jun 2002
Posts: 820
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.
__________________
friar1610
friar1610 is offline   Reply With Quote
Old 01-16-2012, 04:04 PM   #4
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
mickeyd's Avatar
 
Join Date: Apr 2004
Location: South Texas~29N/98W
Posts: 5,880
I have been keeping it at a simple 60/40 for many years. I keep about 5% in cash on the side.
__________________
Part-Owner of Texas

Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. Groucho Marx

In dire need of: faster horses, younger woman, older whiskey, more money.
mickeyd is offline   Reply With Quote
Old 01-16-2012, 04:38 PM   #5
Thinks s/he gets paid by the post
Bikerdude's Avatar
 
Join Date: Jul 2006
Posts: 1,901
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.
__________________
“I guess I should warn you, if I turn out to be particularly clear, you've probably misunderstood what I've said” Alan Greenspan
Bikerdude is offline   Reply With Quote
Old 01-16-2012, 05:00 PM   #6
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 16,406
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.
__________________
pb4uski is offline   Reply With Quote
Old 01-16-2012, 06:00 PM   #7
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,964
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...
__________________
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 01-16-2012, 06:37 PM   #8
Thinks s/he gets paid by the post
grumpy's Avatar
 
Join Date: Jul 2004
Posts: 1,321
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%.
__________________
...you can check out any time you like, but you can never leave...
grumpy is offline   Reply With Quote
Old 01-16-2012, 07:24 PM   #9
Moderator Emeritus
Nords's Avatar
 
Join Date: Dec 2002
Location: Oahu
Posts: 26,616
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...
__________________
*
*

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 01-16-2012, 07:26 PM   #10
Thinks s/he gets paid by the post
Spanky's Avatar
 
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,046
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.
__________________
May we live in peace and harmony and be free from all human sufferings.
Spanky is offline   Reply With Quote
Old 01-16-2012, 09:20 PM   #11
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
easysurfer's Avatar
 
Join Date: Jun 2008
Posts: 7,884
My approx allocation:

30% total us stock
20% total international stock
38% total bond market
12% money market
__________________
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 online now   Reply With Quote
Old 01-16-2012, 10:12 PM   #12
Full time employment: Posting here.
 
Join Date: Mar 2010
Location: Chicago
Posts: 867
50/50.....Very simply 35% VTSAX, 15% VTIAX, and 50% VBTLX. The Vanguard Admiral funds for total stock, total int, and total bond.
__________________
ripper1 is offline   Reply With Quote
Old 01-17-2012, 09:16 AM   #13
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
youbet's Avatar
 
Join Date: Mar 2005
Location: Chicago
Posts: 9,965
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........
__________________
"I wasn't born blue blood. I was born blue-collar." John Wort Hannam
youbet is offline   Reply With Quote
Old 01-17-2012, 10:51 AM   #14
Thinks s/he gets paid by the post
 
Join Date: Jul 2005
Posts: 3,862
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.
__________________
Animorph is offline   Reply With Quote
Old 03-07-2012, 12:08 PM   #15
Recycles dryer sheets
 
Join Date: Aug 2011
Location: Atlanta
Posts: 420
Quote:
Originally Posted by SpencerM View Post
Curious as to current allocation of those informed persons 55 and older already retired...
27% Stocks
__________________
SJ1_ is offline   Reply With Quote
Old 03-07-2012, 01:18 PM   #16
Thinks s/he gets paid by the post
 
Join Date: Jul 2003
Location: Pasadena CA
Posts: 2,695
Probably near 50/50.
__________________
T.S. Eliot:
Old men ought to be explorers
yakers is offline   Reply With Quote
Old 03-07-2012, 06:33 PM   #17
Recycles dryer sheets
arky's Avatar
 
Join Date: Jan 2012
Location: Colorado
Posts: 236
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.
__________________
Don't you know that dynamite always blows down ? --- Moe to Curly
arky is offline   Reply With Quote
Old 03-07-2012, 07:12 PM   #18
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
freebird5825's Avatar
 
Join Date: Feb 2008
Location: East Nowhere, 43N Latitude, NY
Posts: 9,017
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.
__________________

__________________
"All our dreams can come true, if we have the courage to pursue them." - Walt Disney
freebird5825 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


 

 
All times are GMT -6. The time now is 08:36 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.