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View Poll Results: How much (%) of your portfolio is in equities?
75% or more 56 20.00%
Between 65% - 74% 37 13.21%
Between 55% - 64% 64 22.86%
Between 45% - 54% 55 19.64%
Between 35% - 44% 33 11.79%
Between 25% - 34% 13 4.64%
Less than 25% 22 7.86%
Voters: 280. You may not vote on this poll

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Old 09-01-2015, 07:30 PM   #61
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I'm in a target fund, L2020. So 48% equities now. Age 53. Still working for a few more years.
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Old 09-01-2015, 07:31 PM   #62
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We are around 75% in equities.
I am 53 and my husband is 62.

Once my husband files for SS at FRA, I'll rest a little better at night.
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Old 09-01-2015, 07:31 PM   #63
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I end up rebalancing every January as it works well with the annual withdrawal - taking from assets that have increased the most, etc.

Because of this it takes a huge drop or gain during the year to trigger a rebalance - 5% rise or fall in my equity allocation. These are wide bands (about 10%). I set them wide after I ended up rebalancing several times during 2008 - otherwise known as "catching a falling knife".

So far I'm only off about 1% from target allocation in each asset class. It would take a sudden bear market (20% drop) to cause me to rebalance during the year.
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Old 09-01-2015, 07:33 PM   #64
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Around 70% but it's changing all the time

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Old 09-01-2015, 07:39 PM   #65
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82% and buying more on dips. If this keeps up, I'll be at 85% soon.
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Old 09-01-2015, 07:48 PM   #66
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Between 25% - 34%

That number works for us. Sold a lot the last few years and now I'm buying. All mutual funds all Vanguard.
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Old 09-01-2015, 08:40 PM   #67
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62% or so. Target is about 64%. More than half of that is not US, but all the graphs for the month take on more or less the same shape.

I don't have any, but if I did, I wouldn't call real estate "equities". I'd call those hard assets.
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Old 09-01-2015, 09:19 PM   #68
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I am at about 41% overall, all in stock mutual funds. That reflects 36% stocks in my taxable accounts and 50% in my IRA. Last week, I made a small rebalancing move in the IRA (only) to get back to the 50% range, and despite all the big movements in the stock market since that time, I am right back at my desired 50%!


In my taxable account, I have different goals because I use the income from mainly the bond funds to cover my expenses. The stock fund provides some income.
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Old 09-01-2015, 09:24 PM   #69
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Far less than 5% as of August 31. But the way things are going now (today), run another poll in a few days and I maybe 10 to 15%. A few more weeks like the past 2 weeks and I may be closer to 20%
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Old 09-01-2015, 10:03 PM   #70
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For invested assets 60% is the plan, yesterday I checked and was just shy. Today I did not look...
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Old 09-01-2015, 10:08 PM   #71
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I downshifted from 70% to 60% a month ago, and was just thinking of going further to 50% last week if the dead cat bounced. Nope, the dead cat went "splat". The market is doing it for me, driving it down to 58% now.

Not buying yet, still waiting for posters to cry "Uncle".
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Old 09-01-2015, 11:16 PM   #72
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About 85%
Probably too high, but stuck now.
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Old 09-01-2015, 11:20 PM   #73
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120% Leverage baby! Eh, no, actually about 60%. I bet the 120%'ers make a lot o money though on this dip.
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Old 09-01-2015, 11:42 PM   #74
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Very surprised at the fairly low equity allocations. It just dawned on me that I have extremely limited means to rebalance since I only have CDs outside of stocks. I guess I would just let my allocation float down until Cds mature.
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Old 09-02-2015, 12:05 AM   #75
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Interesting thread. Not long ago varying one's equity exposure was not popular here. Now it seems to be. I think I have about 55% equities now. I have always taken this figure up or down, depending on valuations.

Ha
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Old 09-02-2015, 04:19 AM   #76
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Currently at 42% but will be increasing soon as moving $400K from cash into Vanguard funds soon.
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Old 09-02-2015, 04:31 AM   #77
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Quote:
Originally Posted by jazz4cash View Post
Very surprised at the fairly low equity allocations. It just dawned on me that I have extremely limited means to rebalance since I only have CDs outside of stocks. I guess I would just let my allocation float down until Cds mature.
What do you consider low?
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Old 09-02-2015, 06:24 AM   #78
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While I have everyone here, do you consider a pension as bonds in these calculations? It's a fixed income source.
No, I didn't include the NPV of my pension in this poll response. As you say, it is a bit like a bond (generates fixed income), but it's also unlike a bond (can't easily sell it to buy additional stocks). But, as I can count on the income stream from my pension to help meet my baseline spending, at does allow me to increase the portion of my portfolio in stocks (i.e. accept more volatility).
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Old 09-02-2015, 06:36 AM   #79
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Quote:
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Very surprised at the fairly low equity allocations
I'm actually surprised that 20% of respondents are over 75% in equities but since the poll does not differentiate between working folks in the accumulation phase, retirees with pensions or people living off their portfolio it's hard to judge the risk/volatility that people are willing to take.
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Old 09-02-2015, 07:59 AM   #80
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About 60% if you take into account my pension as FI. All our actual portfolio are equities. For AA purposes you should definitely include the PV of pension as FI.
65 years old retired 9 years.
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