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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 09-02-2015, 08:15 AM   #81
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Originally Posted by Nunthewiser View Post
Less than 20% as of now. I got spooked about 2 years ago and got very conservative (CDs, Stable Value) waiting for interest rates to rise, and waiting, and waiting...and missed a couple of very good years. Got lots and lots of dry power. Wish I had some of it when GE was trading at $6 etc...
You missed out on quite a run-up if you got spooked 2 years ago. SP500 is up about 22% or so incl dividends and that includes the recent drop.
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Old 09-02-2015, 08:36 AM   #82
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About 25% including investment real estate. About 40% not including rentals.
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Old 09-02-2015, 11:17 AM   #83
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About 24% if you take into account my pensions as FI. For AA purposes, I have included the PV of pension as FI. I have two, one COLAd.

Currently sitting in cash equivalents for a planned rebalance to 32% equities. May increase it to 35% depending on recovery/depth of dip. Retired 13 years.
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Old 09-02-2015, 12:17 PM   #84
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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.

That's an important distinction. I'm one of those that are 80%+ and still accumulating. If I was dependent on my portfolio for income, then it's quite possible that I would have less in equities.
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Old 09-02-2015, 12:48 PM   #85
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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.
I'm still very early in the accumulation phase so 90/10 on the Roth IRA and 457 self-directed brokerage. If you include "cash" reserves earmarked as emergency funds though, more like 25/75.
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Old 09-02-2015, 01:13 PM   #86
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Between 20-25% in stock. I am 55 (two kids in college and became empty nesters last week) and still working but have been FI since 40. My focus is heavily weighted towards asset retention rather than growth. Roughly I am 30% individual muni bonds, 20% cash (CDs one year or less and money market accounts), 20% individual stocks, 30% commercial real estate (individual properties) with no mortgages. Well aware of the inflation argument and boy do I know taxes.

This allocation has worked for me in my situation.
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Old 09-02-2015, 04:06 PM   #87
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Old 09-02-2015, 05:14 PM   #88
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My AA is 50/50 but I can't recall which is stocks.
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Old 09-02-2015, 05:47 PM   #89
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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.
Some of the retirees have fairly high stock AA. I thought I was high at 60% (was 70% till recently), but they might have pension and/or SS, but I am living off my stash right now, and want to delay SS till at least FRA.
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Old 09-02-2015, 05:57 PM   #90
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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.
Making money on this dip by leveraging? Sure. Many leveraged ETFs have moved 10% to 12% a day, if you have the guts. But recently, the ones that make more money are the leveraged bear ETFs.

Just time it right and jump between 3X leveraged bull and bear ETFs, and one can make $100K a week and not even have to bet the whole farm. Just commit a few hundred $K to the game, and the nice thing is that, unlike trading on margin or playing options, you cannot lose more than what you put down.

Red or Black?
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Old 09-02-2015, 06:35 PM   #91
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For AA purposes you should definitely include the PV of pension as FI.
Reconsidering, this is probably correct, so I guess I should rephrase my reply.

I'm at 61% just looking at what I consider my portfolio (all liquid assets), but only 41% if I consider the PV of pensions and SS.

That's a big difference. I'm very lucky to have the guaranteed income, so I've always been comfortable with 60% or even more in equities, just looking at liquid assets.
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Old 09-02-2015, 09:31 PM   #92
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I am FIREd but also relatively younger being in mid to late 40s.

No pension. Only future SS.

Allocation to equities as percent of total absolute NW ( including house etc) is around 80 percent. It is a bit risky buy am worried about inflation effects over a 40 year horizon and can't justify dropping the AA to 50 or 60 percent when the 10 year bond is paying just a little more than 2%.
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Old 09-02-2015, 09:34 PM   #93
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Old 09-04-2015, 03:58 PM   #94
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For AA purposes you should definitely include the PV of pension as FI.
65 years old retired 9 years.
Or at least mention if you have significant pension or annuity income.
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Old 09-04-2015, 04:10 PM   #95
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With all the age/life/pension factors involved a simple poll number of equity % doesn't mean much. Also the advice we hear through the media doesn't mean much. Everybody needs to find their own path.
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Old 09-04-2015, 04:22 PM   #96
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My Target is 55% and I think it was at or slightly above that not too long ago. But I updated I my "big" spreadsheet with all my liquid assets a couple a days ago and I was at 53%. May be closer to 52 after today.

So my vote went to the 45-54

Edit/clarification:

Situational Status:
Retired
No investment real estate owned.
Renting current residence.
Receiving modest non-COLA pension
Not collecting (or age eligible for) SS yet

Portfolio Buckets
tIRA - ~65%
After-Tax Money Bucket (to buy house in a couple of years) ~35%
Rest of After-Tax Money ~50%
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Old 09-04-2015, 04:29 PM   #97
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When I retired last year, I made a drastic move when the market was up.
It was 33% Equity, 33% bond, and rest cash.
I figured the market is about to go into correction.
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Old 09-04-2015, 04:51 PM   #98
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96-97 percent
Same as always.
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Old 09-04-2015, 05:51 PM   #99
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Around 55%. I've been moving us from 70-30 a few years ago down to 60-40ish and the correction overshot my allocation. But I don't plan to rebalance up as I rolled over my lump-sum pension last year, so I want to be a little bit more conservative than if I was drawing it as originally planned.
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Old 09-04-2015, 06:05 PM   #100
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