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What is your Asset Allocation if you have no pension?
01-04-2020, 11:39 AM
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#1
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Thinks s/he gets paid by the post
Join Date: Jul 2007
Location: St. Louis
Posts: 1,563
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What is your Asset Allocation if you have no pension?
I would love to know since I am in the same boat.
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01-04-2020, 11:57 AM
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#2
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Thinks s/he gets paid by the post
Join Date: Feb 2014
Location: Syracuse
Posts: 3,501
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69/40
I took my pension lump sum.
__________________
“No, not rich. I am a poor man with money, which is not the same thing"
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01-04-2020, 12:49 PM
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#3
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Thinks s/he gets paid by the post
Join Date: Sep 2006
Posts: 1,691
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Quote:
Originally Posted by GravitySucks
69/40
I took my pension lump sum.
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Check your math.
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01-04-2020, 01:00 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: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,204
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I wouldn't criticize his math skills... typing skills, however, seem to be fair game since the 9 is adjacent to the 0.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
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01-04-2020, 01:06 PM
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#5
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Moderator
Join Date: Jul 2017
Posts: 5,598
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__________________
Use it up, wear it out, make it do or do without.
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01-04-2020, 01:06 PM
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#6
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Thinks s/he gets paid by the post
Join Date: Feb 2014
Location: Syracuse
Posts: 3,501
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My math can be questionable, however this is more a fat fingers / small phone or tablet issue.
60/40 mea culpa
__________________
“No, not rich. I am a poor man with money, which is not the same thing"
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01-04-2020, 01:26 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 2006
Location: Rio Grande Valley
Posts: 37,931
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I maintain at least a 50% exposure to equities. No pension, not drawing SS for a long time.
__________________
Retired since summer 1999.
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01-04-2020, 01:38 PM
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#8
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2016
Posts: 8,968
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80-18-2
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01-04-2020, 02:07 PM
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#9
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Thinks s/he gets paid by the post
Join Date: Jul 2014
Location: Undisclosed
Posts: 1,236
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currently 62/38
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01-04-2020, 02:09 PM
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#10
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Thinks s/he gets paid by the post
Join Date: Jul 2005
Location: Los Angeles area
Posts: 1,708
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100% stocks, 61, retired 13 years
__________________
learn, work, save, invest, fire
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01-04-2020, 02:15 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: Aug 2004
Location: Laurel, MD
Posts: 8,304
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With no pension, I would decrease equities by 10-15% so I would be 55-60% equities instead of 70%
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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01-04-2020, 02:36 PM
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#12
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Dryer sheet wannabe
Join Date: Sep 2016
Posts: 16
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Quote:
Originally Posted by RobbieB
80-18-2
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Quote:
Originally Posted by CyclingInvestor
100% stocks, 61, retired 13 years
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Holy smoke, you got more gambling cajones than I do, unless you're trying to make up for lost time !
I'm [50/40/10] and can sleep at night.
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01-04-2020, 02:48 PM
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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 2016
Posts: 8,968
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I sleep good. The equities have kept my net worth up even though I've been spending lots.
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01-04-2020, 02:55 PM
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#14
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2016
Posts: 9,373
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75/15/10 no pension.
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01-04-2020, 02:59 PM
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#15
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Thinks s/he gets paid by the post
Join Date: Dec 2015
Posts: 1,155
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Mid 50s and ER'd last Jan..no pensions.
~25% Equities / 75% Fixed Income (bond funds, CDs and MMs). Working to get equities to ~20% in the new year, and have some company stock that I wanted to sell in 2020 vs 2019 for tax reasons that should get us there.
Divvys from the FI part of the portfolio pay most of the bills. The 25% Equities is 10+ year money for growth.
We're obviously very conservative, but with no W-2 paychecks and being the ages we are, I have no desire to live through another 2008. I've also done quite a bit of research into max drawdown and recovery periods and came to the painful realization that I can't psychologically deal with being "underwater" for potentially 10 or more years in the next bear with a large portion of my net worth..plus, with valuations as high as they are now..the next decade is not likely to be a repeat of the last.
We don't have any desire to just run the number up as high as we can get it, so our plan is structured to deliver "enough" to allow us to live to 95+ with a minimal level of risk.
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01-04-2020, 03:02 PM
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#16
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2018
Location: Tampa
Posts: 11,197
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55/38/7
Small 51k lump sum pension in 5 years.
__________________
TGIM
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01-04-2020, 03:05 PM
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#17
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Recycles dryer sheets
Join Date: Nov 2012
Posts: 226
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75/20/5
I have a long retirement ahead of me and need to stay mostly in equities to keep up with inflation but have a cash buffer to help avoid selling stocks in a big downturn.
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01-04-2020, 03:06 PM
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#18
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Thinks s/he gets paid by the post
Join Date: Jul 2005
Location: Los Angeles area
Posts: 1,708
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Quote:
Originally Posted by Graysand
Holy smoke, you got more gambling cajones than I do, unless you're trying to make up for lost time !
I'm [50/40/10] and can sleep at night.
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It certainly does not feel like it. It is all in high quality (IMO) dividend growth stocks, which generate considerably more $$ than I need, and is rarely traded. My only trades in 2019 were some rebalancing in December, and some minor purchases with excess dividends quarterly. The only real excitement will be coming up February when annual dividend increases are announced.
__________________
learn, work, save, invest, fire
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01-04-2020, 03:18 PM
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#19
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2009
Posts: 6,679
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Mine overall is 36/61/3. The rollover IRA part has a little more stock while the taxable part has a little more bonds.
__________________
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.
"I want my money working for me instead of me working for my money!"
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01-04-2020, 03:32 PM
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#20
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Thinks s/he gets paid by the post
Join Date: May 2014
Posts: 1,390
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51/46/3 Asset allocation
__________________
Understanding both the power of compound interest and the difficulty of getting it is the heart and soul of understanding a lot of things. Charlie Munger
The first rule of compounding: Never interupt it unnecessarily. Charlie Munger
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