View Poll Results: For those of us over 55, what is your current stock exposure?
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Less than 25%
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10 |
10.53% |
25 - 50%
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38 |
40.00% |
Over 50%, less than 75%
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37 |
38.95% |
Nearly all of it!
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10 |
10.53% |
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Poll: For those over 55 and already FIRE, what is your current allocation?
01-16-2012, 02:08 PM
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#1
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Recycles dryer sheets
Join Date: Jan 2011
Location: ...that depends...
Posts: 54
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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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01-16-2012, 02:51 PM
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#2
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Thinks s/he gets paid by the post
Join Date: Jul 2006
Posts: 1,901
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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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“I guess I should warn you, if I turn out to be particularly clear, you've probably misunderstood what I've said” Alan Greenspan
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01-16-2012, 02:57 PM
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#3
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Thinks s/he gets paid by the post
Join Date: Jun 2002
Posts: 1,635
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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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friar1610
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01-16-2012, 03:04 PM
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#4
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2004
Location: South Texas~29N/98W Just West of Woman Hollering Creek
Posts: 6,671
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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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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.
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01-16-2012, 03:38 PM
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#5
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Thinks s/he gets paid by the post
Join Date: Jul 2006
Posts: 1,901
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Quote:
Originally Posted by Bikerdude
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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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
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01-16-2012, 04:00 PM
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#6
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,266
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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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01-16-2012, 05:00 PM
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#7
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,206
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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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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: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
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01-16-2012, 05:37 PM
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#8
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Thinks s/he gets paid by the post
Join Date: Jul 2004
Posts: 1,321
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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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...you can check out any time you like, but you can never leave...
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01-16-2012, 06:24 PM
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#9
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Moderator Emeritus
Join Date: Dec 2002
Location: Oahu
Posts: 26,856
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Our ER portfolio is in the usual 90% equities, 10% cash, no bonds.
Quote:
Originally Posted by grumpy
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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With interest rates this low, if our federal pensions were counted that way we'd be about 10% equities...
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Co-author (with my daughter) of “Raising Your Money-Savvy Family For Next Generation Financial Independence.”
Author of the book written on E-R.org: "The Military Guide to Financial Independence and Retirement."
I don't spend much time here— please send a PM.
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01-16-2012, 06:26 PM
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#10
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Thinks s/he gets paid by the post
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,455
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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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May we live in peace and harmony and be free from all human sufferings.
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01-16-2012, 08:20 PM
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#11
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2008
Posts: 13,132
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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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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
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01-16-2012, 09:12 PM
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#12
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Thinks s/he gets paid by the post
Join Date: Mar 2010
Location: Chicago
Posts: 1,154
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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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01-17-2012, 08:16 AM
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#13
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2005
Location: Chicago
Posts: 13,151
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Quote:
Originally Posted by Midpack
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.
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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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"I wasn't born blue blood. I was born blue-collar." John Wort Hannam
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01-17-2012, 09:51 AM
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#14
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Thinks s/he gets paid by the post
Join Date: Jul 2005
Posts: 4,366
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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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03-07-2012, 11:08 AM
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#15
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Full time employment: Posting here.
Join Date: Aug 2011
Location: Atlanta
Posts: 507
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Quote:
Originally Posted by SpencerM
Curious as to current allocation of those informed persons 55 and older already retired...
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27% Stocks
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03-07-2012, 12:18 PM
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#16
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Thinks s/he gets paid by the post
Join Date: Jul 2003
Location: Pasadena CA
Posts: 3,341
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Probably near 50/50.
__________________
T.S. Eliot:
Old men ought to be explorers
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03-07-2012, 05:33 PM
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#17
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Recycles dryer sheets
Join Date: Jan 2012
Location: Colorado
Posts: 254
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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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Don't you know that dynamite always blows down ? --- Moe to Curly
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03-07-2012, 06:12 PM
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#18
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2008
Location: East Nowhere, 43N Latitude, NY
Posts: 9,037
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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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