Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 07-01-2012, 11:00 AM   #21
Thinks s/he gets paid by the post
frayne's Avatar
 
Join Date: Oct 2002
Location: 19th Hole
Posts: 2,534
60/40, equities/fixed, 90% of equities in no load index funds, majority in FIDOs S&P index fund, .07 exp. ratio.

Usually rebalance once a year around the middle of Jan.

61 years old and retired now for seven years.
__________________

__________________
A totally unblemished life is only for saints.
frayne is online now   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 07-01-2012, 11:03 AM   #22
Moderator
MichaelB's Avatar
 
Join Date: Jan 2008
Location: Rocky Inlets
Posts: 24,465
Quote:
Originally Posted by jime444 View Post
Just getting my feet wet on the forum; it's good and learning quite a bit, so far. Gotten through about 5 books on the recommended list. Three questions:
1. What's your asset allocation?
2. So you plan to modify as you and/or your significant other get older?
3. Time to retirement? or, retired, how long?

Thanks in advance. I'm now almost "chomping at the bit" for FIRE.
Jim
1. My asset allocation is 40% equities, 50% fixed income and 10% cash
2. I expect to substantially shift fixed income to equities
3. I retired 12 years ago
__________________

__________________
MichaelB is offline   Reply With Quote
Old 07-01-2012, 12:24 PM   #23
Recycles dryer sheets
 
Join Date: Nov 2003
Location: Charlotte
Posts: 360
Quote:
Originally Posted by MichaelB View Post
1. My asset allocation is 40% equities, 50% fixed income and 10% cash
2. I expect to substantially shift fixed income to equities
3. I retired 12 years ago
! Not the usual retiree direction. Is this a tactical move you're planning?
__________________
WilliamG is offline   Reply With Quote
Old 07-01-2012, 01:04 PM   #24
Recycles dryer sheets
 
Join Date: Jun 2002
Posts: 374
Ages 51 & 52

70% stock (1/2 Int'l), 10% CCF, 20% TBM

I retired 6 years ago, wife retired yesterday w/ HC bennies

I'd plannd to shift another 20% to FI upon her retirement, but can't bring myself to do that after reading Warren Buffet's "return-free risk" column a few months back.

Non-indexed pension starts in 8 years, followed by SSI eligibility which should cover the non-discretionary (50%) part of our projected budget.

Cb
__________________
Cb is offline   Reply With Quote
Old 07-01-2012, 01:20 PM   #25
Thinks s/he gets paid by the post
Keim's Avatar
 
Join Date: Feb 2007
Location: Moscow
Posts: 1,128
I am 40. Wife is 41. I work part time due to a medical issue, and desire to have a parent home for the kids after school. Wife works full time.
1. 80% equity. 20% bonds, all in an index portfolio.
2. We plan to get closer to the age in bonds rule as we near retirement.
3. Hope to retire when the 8 year old graduates college. About 15 years. Sooner if the market allows!

You didn't ask, but I am also completely debt free, including the house.
__________________
You can't enlighten the unconscious.
But you can hit'em upside the head a few times to make sure they are really out...
Keim is offline   Reply With Quote
Old 07-01-2012, 01:37 PM   #26
gone traveling
 
Join Date: Apr 2009
Location: Eastern PA
Posts: 3,851
Quote:
Originally Posted by lemming View Post
I can't believe you are all being so nice and giving him an executive summary.
We all lie ...
__________________
rescueme is offline   Reply With Quote
Old 07-01-2012, 02:00 PM   #27
Moderator Emeritus
Nords's Avatar
 
Join Date: Dec 2002
Location: Oahu
Posts: 26,617
Quote:
Originally Posted by lemming View Post
I can't believe you are all being so nice and giving him an executive summary.
Everyone shares that info but I don't see how he has learned anything on his own if he hasn't seen that already.
Yeah, well, when I chew out posters for not doing their homework I get called a curmudgeon.

In general, new posters on this board do not read old posts, do not search for keywords on popular topics, and are surprised to learn that somebody else has already asked their questions. I suspect it's been this way on every BBS discussion board since ARPANET first went live and one of the engineers had a question about logging in...
__________________
*
*

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 07-01-2012, 02:04 PM   #28
Thinks s/he gets paid by the post
Keim's Avatar
 
Join Date: Feb 2007
Location: Moscow
Posts: 1,128
Quote:
Originally Posted by Nords View Post
Yeah, well, when I chew out posters for not doing their homework I get called a curmudgeon.

In general, new posters on this board do not read old posts, do not search for keywords on popular topics, and are surprised to learn that somebody else has already asked their questions. I suspect it's been this way on every BBS discussion board since ARPANET first went live and one of the engineers had a question about logging in...
It goes further back than that, Nords. Think cave drawings. Lots of them are very similar, aren't they?

Mbunga, me want make fire. How you do?
__________________
You can't enlighten the unconscious.
But you can hit'em upside the head a few times to make sure they are really out...
Keim is offline   Reply With Quote
Old 07-01-2012, 02:23 PM   #29
Full time employment: Posting here.
 
Join Date: May 2008
Posts: 589
1) 90/0/10. Switching to 70/20/10 in two years.
2) Yes, to a degree. Median portfolio will be 70/20/10, but after a long bull it would be something like 40/50/10. After a long drop and with the first hint of recovery, 90/0/10.
3) 2020
__________________
plex is offline   Reply With Quote
Old 07-01-2012, 03:07 PM   #30
Moderator Emeritus
 
Join Date: Oct 2007
Posts: 4,929
Quote:
Originally Posted by Keim
Mbunga, me want make fire. How you do?
"Easy. Wait for thunderstorm. Take big stick to mountaintop, hold high...

Noobs..."
__________________
M Paquette is offline   Reply With Quote
Old 07-01-2012, 04:53 PM   #31
Recycles dryer sheets
Rowdy's Avatar
 
Join Date: Jul 2011
Posts: 105
1. What's your asset allocation?
80/15/5 (stock/bond {int}/REIT).

2. Do you plan to modify as you and/or your significant other get older?
Plan to increase bond allocation ~2% each year until retirement in ~9 years. That will result in 60/35/5 (stock/bond/REIT). Bonds are currently all intermediate term; will start to mix in short term so that at the 35% allocation I'll have 1/2 intermediate and 1/2 short term. I'll likely hold this for some time after retirement.

3. Time to retirement? or, retired, how long?
2021 or sooner; already put my retirement date in my w*rk Outlook calendar for 59 1/2!

I consider my military retirement (in 9 years) to be similar to a fixed income bond investment. Therefore my reasoning is that I can take some extra risk with stocks.
__________________
Rowdy is offline   Reply With Quote
Old 07-01-2012, 10:01 PM   #32
Recycles dryer sheets
 
Join Date: Jun 2012
Location: Seattle
Posts: 79
lemming/Nords,
Even being a newbie, I did do a little homework and searching the forum; what I found I wanted to re-confirm with the senior members. AA is a little like asking how many stars there are in the heavens, even the financial experts don't agree. Though, there seems to be a minor consensus near the 60% equity range.

Personally, I am currently at 70/25/5 and about 3-5 years out from FIRE. I think I'll reduce my eguity exposure to approximately 110-my age at retirement and then rebalance once each year and bump my short term monies a little bit. I like to have a financial rule; that keeps me from chasing the market, I tend to be a bit unlucky doing that. I'm also a bit conservative, so I may keep a couple of years cash on hand. Yes, I know, it won't make my any income. But, I need some type of a binky and thats it, unless someone can change my mind.

Thanks everyone for their input.
__________________
jime444 is offline   Reply With Quote
Old 07-01-2012, 10:15 PM   #33
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Dawg52's Avatar
 
Join Date: Feb 2005
Location: Central MS/Orange Beach, AL
Posts: 7,438
1) 25/75
2) Will vary, but doubt I will become more aggressive.
3) Retired in 2007 at the age of 52.
__________________
Retired 3/31/2007@52
Full time wuss.......
Dawg52 is offline   Reply With Quote
Old 07-02-2012, 12:16 PM   #34
Recycles dryer sheets
 
Join Date: Apr 2011
Location: Castro Valley
Posts: 402
1) ballpark 25% stocks, 25% bonds, 25% cash, 25% rental real eastate
2) will change AA in the future, no sure what to though
3) retired 3 years ago at age 51.
__________________
jkern is offline   Reply With Quote
Old 07-02-2012, 01:26 PM   #35
Recycles dryer sheets
vttlarry's Avatar
 
Join Date: Sep 2011
Location: Saint Cloud
Posts: 55
Hi and welcome.

1. Give or take, 75% equity funds and 25% bond fund.
2. Most certainly.
3. Will be 60 in October and I retired in September 2011. Wife will be 58 in October and just retired in June 2012. 401k and 2 smaller pots are essentially extras for us, meaning not needed to make daily living expenses (hence being a little more aggressive in funds; that and our age). Plus, liquid savings account could meet monthly expenses for 2 years.

I have a pension that meets our spending needs and full family medical from employer.
__________________
When all is said and done, usually more was said than done.

Retired Fall of 2011 @58 :)
vttlarry is offline   Reply With Quote
Old 07-03-2012, 07:53 AM   #36
Thinks s/he gets paid by the post
 
Join Date: Jun 2003
Location: Historic Florida
Posts: 1,647
  • 100% Cash/Fixed Income
  • Not till things change in the country from a financial perspective
  • Retired in 2003, worked from Home since 2006, DW works full time (for Healthcare). Ages: 58/53 Respectively.
Planning on retiring for good soon. Still woried about inclome though. Even though we own our home Annual expenses still top $25k for essentials. Will start another thread for some advise. And Yes we are scared stiff of losing ANY capital, so Wuss' would be an understatement.

SWR
__________________
"Arguing with an Engineer is like rolling in the mud with a pig. Just remember that the pig likes it."
ShokWaveRider is offline   Reply With Quote
Old 07-03-2012, 08:10 AM   #37
Thinks s/he gets paid by the post
 
Join Date: Dec 2009
Location: Alberta/Ontario/ Arizona
Posts: 3,152
1)About 60/35/5 But the 35% fixed income is the NPV of my pension.
2) Probably not
3) Almost 6 years aged 62
__________________
Danmar is offline   Reply With Quote
Old 07-03-2012, 08:44 AM   #38
Recycles dryer sheets
 
Join Date: Mar 2012
Posts: 125
Target AA is 50/50 but right now it's 45/55/5
I do plan to go more conservative as we age
In our 5th year of retirement
__________________
dmdunca44 is offline   Reply With Quote
Old 07-07-2012, 09:02 AM   #39
Recycles dryer sheets
 
Join Date: Jun 2002
Posts: 367
Welcome to the board.
Hmmm, let's see....

1) I'm somewhere around 60/40
2) I might go a bit more conservative (maybe to 50/50) but I'm happy where I'm at right now.
3) Had about a 25 month "sabbatical" which started in june of 2009, but working full time right now. 42 yo, would like to pull plug in 2015 after all the ppaca stuff settles out.
__________________
When you walk in the shadow of insanity, the presence of another mind that thinks and acts as yours does is something close to a blessed event. -Robert Pirsig, Zen and the Art of Motorcycle Maintenance
panhead is offline   Reply With Quote
Old 07-07-2012, 09:27 AM   #40
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Mulligan's Avatar
 
Join Date: May 2009
Posts: 7,380
10% equities ,60% CDs, 30% Ibonds
Continuing to add to portfolio even though retired. I live on a pension that more than covers my needs, thus the very conservative set up. Thinking about dumping 30k into a local bank I read that offers the 3% high interest checking by jumping through the hoops. Yes, I have a taste for the low hanging fruit but thats $900 easy money!
__________________

__________________
Mulligan 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 08:04 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.