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Re: What is your age and AA?
Old 05-08-2007, 07:50 PM   #21
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Re: What is your age and AA?

Age 52, retired.

45% stocks
45% bonds/cash
10% reits/commodities
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Re: What is your age and AA?
Old 05-08-2007, 09:26 PM   #22
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Re: What is your age and AA?

Age 46, spouse 45, raising a teenager.

Retired on a military pension, spouse will draw her Reserve pension at age 60.
40% large-cap stocks (mostly Berkshire Hathaway),
33% international stocks (mostly PID ETF),
22% small-cap stocks (mostly IJS ETF),
5% cash.
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Re: What is your age and AA?
Old 05-08-2007, 09:30 PM   #23
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Re: What is your age and AA?

66/70-37.5% Cash, 62.5% Annuities.
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Re: What is your age and AA?
Old 05-08-2007, 09:32 PM   #24
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Re: What is your age and AA?

56 retired, no pension


Fixed income, MM, cash 47%

U.S. Stocks 38% (half S&P 500 and half Wilshire 4500)

Foreign Stocks 15%

All equites in Fido advantage class index mutual funds.
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Re: What is your age and AA?
Old 05-08-2007, 09:54 PM   #25
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Re: What is your age and AA?

56, 53 days and a wake up to FIRE
60/40 equities/fix income & cash
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Re: What is your age and AA?
Old 05-08-2007, 11:21 PM   #26
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Re: What is your age and AA?

nearing 30, single and renting!
Asset Allocation:
Stocks
15% - US Total Mkt
10% - US Small Value
15% - EAFE
10% - Foreign Mid/Small Value - TBGVX - Hedged(exploring alternatives)
10% - EM

Alternative Asset Classes - still equity like
10% - REIT Idx
10% - Berkshire Hathaway
5% - Commodities

Bonds
5% - TIPs
5% - Intermediate Bond
5% - Short Term Bonds

-h
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Re: What is your age and AA?
Old 05-09-2007, 03:06 AM   #27
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Re: What is your age and AA?

Working - age 50

Stock: 70% (Domestic LC, MC, SC, International, REIT) Mutual Funds mainly
Bond: 28% ( 23% ITB, 5%TIPS, 2% LTB) Mutual Funds
Cash: 2% Mutual Fund

Target Retirement - Age 55

Stock: 60% (goal move a little more into international, REIT, and SC)
Bond: 30%
Cash: 10%

Not including home equity (intend to have mortgage paid off), pension (small non cola start @ 55), or SS in the above.

The way I will manage the finances/allocation is a bit more complicated than listed. But as we age, we will get more conservative (i.e., more in bonds). This will partly be due to the fact that as we spend down the portfolio, near term money will be in bonds or cash. Essentially, the 30/10 @ 55 will be spent during the decade of 55-65. The 60% Stock will be rebalance and allocated for decades 65-75, 75-85, 85-the end (maybe longer than 10 years).

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Re: What is your age and AA?
Old 05-09-2007, 08:29 AM   #28
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Re: What is your age and AA?

38, single.

68% various classes of US stocks (inc. REITS)
20% foreign (inc. emerging mkts)
7% bonds
5% cash - e-fund

Karen
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Re: What is your age and AA?
Old 05-09-2007, 08:44 AM   #29
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Re: What is your age and AA?

I'm 56 and retired as of 12/31/06, DH is 60 and self-employed.

AA in IRA is:
60% equities (VTSAX, VGTSX & VDEQX)
40% bonds (VBTLX)
plus holding about 3 years expenses in cash equivalent accts.

(Used to be a market timing, stock picking, slice-and-dicer...IRA now fully invested in Vanguard -- sleeping much better at night!)
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Re: What is your age and AA?
Old 05-09-2007, 08:58 AM   #30
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Re: What is your age and AA?

Age 57
retire in 2 years

AA (excluding home equity)

cash 16%
bonds 17%
stocks 67%
(43% individual/57% funds)

AA (including home equity)

cash 13%
bonds 13%
stocks 51%
real estate (home equity) 24%
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Re: What is your age and AA?
Old 05-09-2007, 09:05 AM   #31
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Re: What is your age and AA?

59 in a few months, retiring at the end of the year. Still working on the allocation but the plan is around a 50/50 mix.


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Re: What is your age and AA?
Old 05-09-2007, 11:01 AM   #32
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Re: What is your age and AA?

30 years old. According to Vanguard, my asset allocation is:

short term reserves: 2.1%
bonds: 2.5%
large U.S. stocks: 45.0%
mid/small U.S. stocks: 35.4%
international stocks: 15%

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Re: What is your age and AA?
Old 05-09-2007, 11:19 AM   #33
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Re: What is your age and AA?

Age 33. 15% cash and CDs, balance is almost all individual equities. About 1/3 of the stocks are international, and all are small and mid cap.
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Re: What is your age and AA?
Old 05-09-2007, 11:29 AM   #34
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Re: What is your age and AA?

Ages 49 & 50
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Re: What is your age and AA?
Old 05-09-2007, 11:30 AM   #35
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Re: What is your age and AA?

age 34, wife is 33

allocation is

100% equity

75% domestic equity
25% international equity

Domestic is
45% large cap
15% mid cap
15% small cap

International is
15% large cap
10% small cap/ emerging market

funds:
large cap PRFDX (Roth), PRWCX (Roth), VFINX (401k), VWNFX (401k), RGAEX (401k), ACGIX (401k)
mid cap RPMGX (Roth), VEXMX (401k), SSVSX (401k)
small cap PRNHX (Roth), VEXPX (401k), RYTFX (401k),
international large cap TRIGX (Roth), VTRIX (401k), REREX (401k) TROSX (Rollover)
international small cap PRIDX (Roth)

each 401k is 75-25, and more or less the 45-15-15-25 allocation.
The Roth is 45-15-15-15-10
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Re: What is your age and AA?
Old 05-09-2007, 11:57 AM   #36
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Re: What is your age and AA?

60.3% rental property
20% cash ~7 years pretax living expenses at current spending level
9.2% in secured real estate loans making 7-10%
7.5% personal home
3% stocks and bonds
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Re: What is your age and AA?
Old 05-10-2007, 08:30 PM   #37
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Re: What is your age and AA?

We both are 62 and retired about 2 years ago.

85% is in IRAs.

AA = 60/40
The 60 is 45/15 US/Intl
The 40 is 30/10 bonds/MM

US Stocks are all Vanguard index funds

LB = 12% of total portfolio
LV = 12%
SB = 7%
SV = 8%
REIT = 6%

International stocks
Vanguard active funds (equally LG and LV) with a bit of DLS small value thrown in.

Bonds
75%Vanguard Total Bond Index and 25% preferred stocks.
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Re: What is your age and AA?
Old 05-10-2007, 09:01 PM   #38
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Re: What is your age and AA?

47 retired since I was 39

Cash 5%
Bonds 30%
International 10% (ETFs)
Large Cap 29% (ETF/Funds 8% Intel, Berkshire biggest holdings)
Small/MId 24% (ETF/Funds 12%)
Angel Investing 2% (Tax shelter)
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Re: What is your age and AA?
Old 05-10-2007, 09:53 PM   #39
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Re: What is your age and AA?

age 52 (plan to retire at 55 with pension).

All investments in MFs in FIDO, VG and 401(k)

Stocks 40% (75% domestic, 15% International)

Bonds 55% (70% Corporate all Medium - High risk, 15% Municipal, 15% I-Bonds)

Cash 5%

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Re: What is your age and AA?
Old 05-10-2007, 11:06 PM   #40
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Re: What is your age and AA?

Age 28, working

20% cash
60% equities (split equally between small and large cap)
20% other / higher risk (includes health venture capital funds and resource limited partnerships)

This excludes home equity which is about 65% of my net worth at present.
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