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11-19-2017, 12:23 PM
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#21
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Thinks s/he gets paid by the post
Join Date: Jan 2008
Posts: 1,671
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We set ours at 40/60 when I retired 10 years ago. This year I start my pension and in 5 years, SS. I think I will just let it drift up if the market keeps going up and perhaps even buy up if the market tanks. Now that we have skated past the first 10 years where we had no income I can let it ride. Also, I have no more losses from 2009 to offset gains so re-balancing back to 40/60 would cost me money.
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11-19-2017, 12:27 PM
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#22
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Oct 2005
Location: North Oregon Coast
Posts: 16,483
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We're at about 60/40 and we'll probably stay there for a few more years.
__________________
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)
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11-19-2017, 12:49 PM
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#23
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Full time employment: Posting here.
Join Date: May 2015
Location: Atlanta suburbs
Posts: 633
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63/37 equity/fixed income allocation, with a 42-year spending period planned.
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11-19-2017, 12:57 PM
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#24
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Mar 2007
Posts: 14,328
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Agree, an appropriate allocation is dependent on a number of factors. I have a non-COLAed pension that meets all my current needs, plus I will have near max SS when I take it. Plus, I don't care if I leave a legacy. Would my AA be the same as someone with no pension or SS or that wants to take care of kids after I'm gone?
From age 54 to 65, I've slid my stock holdings from 100% to 60% which is probably overly conservative.
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11-19-2017, 01:01 PM
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#25
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Oct 2005
Location: North Oregon Coast
Posts: 16,483
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 Quote:
Originally Posted by travelover
Agree, an appropriate allocation is dependent on a number of factors. I have a non-COLAed pension that meets all my current needs, plus I will have near max SS when I take it. Plus, I don't care if I leave a legacy. Would my AA be the same as someone with no pension or SS or that wants to take care of kids after I'm gone?
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True. The thing about your situation is that you can be about as aggressive, or about as risk-averse, as you are comfortable with -- or anything in between. You could be 90/10 or 20/80 and it would not substantially affect your daily finances in your lifetime (most likely).
__________________
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)
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11-19-2017, 02:31 PM
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#26
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Thinks s/he gets paid by the post
Join Date: Jun 2004
Location: Diablo Valley (SF Bay Area)
Posts: 2,705
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Quote:
Originally Posted by mickeyd
Are you Ben Stein? Why would Ben's AA recommendation be of interest to you?
I'm sitting at about 50/50. Age 73.
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the thing is that there'll always be a guru proclaiming he has the magic mix without knowing me or my risk tolerance. Schwab recommends: I don't listen to them either as my disposable cash target is 60% of COLA adjusted pension (as the 1st FIRE yr comes to an end that's proving to be more of 75% of pension)
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11-19-2017, 02:47 PM
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#27
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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: 36,373
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We are 60/35/5 and I don't see us ever changing.... once sequence of returns risk is not much of a worry it will be replaced by concerns over inflation and when we get over that hump the net effect is that we will be investing for our heirs and 60/40 isn;t all that bad for them either.
__________________
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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11-19-2017, 03:55 PM
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#28
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Nov 2009
Posts: 6,695
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I have two AAs from my mutual funds. The AA of the taxable account, designed for income production (to get me from age 45 to 60), is 61/36/3 in favor of bonds (bond funds). The AA of the IRA, designed more for some growth, is 52/47/1 in favor of bonds (bond fund). Overall, the AA is 58/40/2.
I have been doing some small, gradual rebalancing from stocks to bonds over the years but for different reasons.
__________________
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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11-19-2017, 04:19 PM
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#29
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Thinks s/he gets paid by the post
Join Date: Nov 2008
Posts: 3,410
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We have somewhere around 50/50 stocks/bonds in mutual funds. But then I would have to add in a good amount of cash and a variety of individual stocks.
Cheers!
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11-20-2017, 10:55 AM
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#30
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Thinks s/he gets paid by the post
Join Date: Nov 2014
Location: Austin
Posts: 1,384
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50/50
Stock: Mainly midcaps with a tilt towards the value side of things. A sprinkling of some large caps (SP500) and some small cap value. We have several accounts (HSA, my rollover IRA, my wife's rollover IRA, a taxable account, a deferred comp account, and current 401K), so the exact mix in each account depends on what's available
Bonds: About 2/3 intermediate treasury and about 1/3 inflation indexed (either TIPs or IBonds). Total Bond in a couple of accounts because that's what's available.
Age 56, DW is 57. At least 3 years from retirement....
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11-20-2017, 11:23 AM
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#31
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Mar 2005
Location: Chicago
Posts: 13,186
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Quote:
Originally Posted by scrabbler1
I have two AAs from my mutual funds. The AA of the taxable account, designed for income production (to get me from age 45 to 60), is 61/36/3 in favor of bonds (bond funds). The AA of the IRA, designed more for some growth, is 52/47/1 in favor of bonds (bond fund). Overall, the AA is 58/40/2.
I have been doing some small, gradual rebalancing from stocks to bonds over the years but for different reasons.
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A good way to describe your AA so there is no confusion, is to follow the convention of Equity/Fixed/Cash. (If only two numbers are given, then i'ts Equity/Fixed + Cash) Using this order is a common convention and eliminates the need to specify which is which.
Mine is approximately 61/38/1, similar to yours.
__________________
"I wasn't born blue blood. I was born blue-collar." John Wort Hannam
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11-20-2017, 02:56 PM
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#32
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Recycles dryer sheets
Join Date: Jun 2011
Posts: 297
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At 49: 55/35/10 stock funds/bond funds/cash
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11-20-2017, 03:12 PM
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#33
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Thinks s/he gets paid by the post
Join Date: Apr 2011
Location: Madison
Posts: 1,337
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At age 64 72/23/5
But I feel I can be more aggressive since I have a military pension and once both start taking SS our daily needs will be practically met. In addition about 30% of the stocks are in fairly stable utility stocks.
__________________
Wild Bill shoulda taken more out of his IRA when he could have. . . .
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11-20-2017, 06:27 PM
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#34
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Mar 2013
Location: Limerick
Posts: 5,655
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The only mutual funds are in DW’s 401k. Everything else is stocks, CDs and real estate. The only exception are $140k in treasury notes and I-Bonds, which is a small percentage of the total. Life is good and we’ve been using our charitable donations.
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What is your mutual fund breakdown?
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11-20-2017, 09:42 PM
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#35
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Thinks s/he gets paid by the post
Join Date: Feb 2014
Location: Syracuse
Posts: 3,502
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What is your mutual fund breakdown?
60/40 at age 59 seems to meet my risk tolerance, but Mr. Market hasn't given us a sound ass kicking since I've retired....
__________________
“No, not rich. I am a poor man with money, which is not the same thing"
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11-21-2017, 02:09 AM
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#36
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Thinks s/he gets paid by the post
Join Date: Aug 2006
Posts: 2,433
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Quote:
Originally Posted by aja8888
At 74:
66% equities, 22% Bonds, 12% Cash
Will be re-balancing to a lighter equity position (50%) after 1/1/18.
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Just curious. Why not rebalance now if you are so far from what you think your AA should be?
__________________
I'd rather be governed by the first one hundred names in the telephone book than the Harvard faculty - William F. Buckley
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11-21-2017, 05:35 AM
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#37
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Full time employment: Posting here.
Join Date: May 2007
Posts: 883
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65 years 'young':
45% stock funds (US, Int'l small, REITs, Health Sector)
35% bond funds (Intermed Corp, Hi Yld)
20% Sh. term corp bond fund
__________________
"It is better to have a permanent income than to be fascinating". Oscar Wilde
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11-21-2017, 05:58 AM
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#38
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Thinks s/he gets paid by the post
Join Date: Dec 2009
Location: Alberta/Ontario/ Arizona
Posts: 3,393
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At 67 about 65/35. Annuity value represents the FI portion so actual portfolio is all equity. All individuall names no ETF’s or heaven forbid mutual funds. Dividend growth strategy on equities.
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11-21-2017, 06:39 AM
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#39
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Dec 2008
Posts: 12,658
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__________________
If you understood everything I say, you'd be me ~ Miles Davis
'There is only one success – to be able to spend your life in your own way.’ Christopher Morley.
Even a blind clock finds an acorn twice a day.
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11-21-2017, 07:01 AM
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#40
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Thinks s/he gets paid by the post
Join Date: Dec 2015
Posts: 2,232
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64 years old..
I have two mutual funds, Vanguard's Wellsely and Wellington funds, which I hold in a combined ratio so that essentially I allocated thusly:
Stocks: Bonds: Cash: 45:50:5
I have run a bunch of calculators and the results don't vary much from 40:60, to 60:40...
When the "Big Correction" hits, I will likely rebalance to something closer to 50:50 (with some cash still handy). But it doesn't really matter.
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