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What is your mutual fund breakdown?
11-18-2017, 02:35 PM
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#1
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Recycles dryer sheets
Join Date: Nov 2017
Location: St. Petersburg
Posts: 134
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What is your mutual fund breakdown?
At age 63 I am probably going to go with 60% total bond fund, 40% total stock fund from Vanguard. Ben Stein recommends an even 50-50 split.
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11-18-2017, 02:44 PM
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#2
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Moderator
Join Date: Oct 2010
Posts: 10,622
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There's a whole lot of discussion about asset allocation on this board! I'd say do a google search of this board for "asset allocation" or "efficient frontier", which balance risk and reward. You can search "marotta gone fishin" or "couch potato allocation", and tons more. An expansive topic.
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11-18-2017, 02:46 PM
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#3
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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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60/35/5 stocks/fixed income/cash... 62 been retired for 6 years.
__________________
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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11-18-2017, 03:32 PM
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#4
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Moderator Emeritus
Join Date: Aug 2007
Location: Northern Illinois
Posts: 16,543
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At 62, 50-50.
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11-18-2017, 03:43 PM
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#5
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Thinks s/he gets paid by the post
Join Date: Jun 2016
Posts: 4,655
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At 57, 50% equities, 25% hard money loans, 20-24% fixed income, 1-5% cash. Currently living off deferred comp payouts from prior employer plus a small withdrawal from taxable portfolio. Have a non-COLA pension I can start anytime but will probably wait a few more years. Not sure when we'll start SS. DH is 58 so we don't have to decide for a while.
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11-18-2017, 03:49 PM
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#6
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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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62 for me,
69, 21, 10 - stocks, bonds, cash
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11-18-2017, 04:05 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: Aug 2016
Location: Northern Virginia
Posts: 7,515
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70-30 stock, st bonds and cash at 58.
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11-18-2017, 04:07 PM
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#8
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Recycles dryer sheets
Join Date: Mar 2011
Posts: 217
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At 63.75, I'm 50/15/35 stks, bnd, csh
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11-18-2017, 04:16 PM
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#9
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Recycles dryer sheets
Join Date: Jul 2017
Posts: 80
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At 62, I’m have 60, 28, and 10
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11-18-2017, 04:32 PM
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#10
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2006
Location: west coast, hi there!
Posts: 8,797
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At 69, 60/38/2. Stocks/bonds/cash
The bonds have 50% in short term investment grade
Caveat: some market timing in the above
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11-18-2017, 04:44 PM
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#11
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Moderator Emeritus
Join Date: Apr 2011
Location: Conroe, Texas
Posts: 18,593
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At 74:
66% equities, 22% Bonds, 12% Cash
Will be re-balancing to a lighter equity position (50%) after 1/1/18.
__________________
*********Go Astros!*********
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11-18-2017, 04:45 PM
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#12
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gone traveling
Join Date: Apr 2011
Posts: 3,375
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Mine aren't broken down. Just fine.
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11-18-2017, 05:03 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: Jul 2014
Location: Spending the Kids Inheritance and living in Chicago
Posts: 16,973
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About 90% stock.
Slowly fixing that too high allocation, but have 4 years cash or more if you add dividends to withstand a market plunge.
I would like to be 70% stocks 30% interest things.
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11-18-2017, 05:52 PM
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#14
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Thinks s/he gets paid by the post
Join Date: Jun 2004
Location: Diablo Valley (SF Bay Area)
Posts: 2,704
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Mutual Funds = 0
Investments: (primarily index ETFs)
90% stocks
6% bonds
4% cash + other
Last category may be too high IMHO. But only drawing off a few dividends at this point
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11-18-2017, 05:56 PM
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#15
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Thinks s/he gets paid by the post
Join Date: Jul 2009
Location: North Scottsdale
Posts: 1,545
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at age 59....
70/26/4 Stock/Bond/Cash
__________________
FIRE'D in July 2009 at 51...Never look back!
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11-18-2017, 06:14 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: Mar 2017
Location: City
Posts: 10,308
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I am uncomfortable with these "rules of thumb" and recommendations said to be universal. Consider two hypothetical widows, both 70YO, both receiving SS and needing supplemental income to support their chosen low-expense life styles.
Widow #1 has a portfolio of $200,000
Widow #2 has a portfolio of $10,000,000.
Should these two identical widows have identical asset allocations? I don't think so. Widow #1 needs to be very conservative in order that she not outlive her money. Widow #2 has wildly more money than she will ever need; she can safely choose to invest aggressively, attempting to maximize the estate she leaves to family, charity or both.
We've debated buckets before here and there are some impassioned arguments on the subject but I still believe that thinking about a conservatively invested bucket of 1-5 year needs and a more aggressively invested bucket for the longer term is a good paradigm. Widow #1 might have only one bucket with $200K in it, a 0/100 allocation, where Widow #2 might have $300K in her short term bucket and $9.7M in the long term bucket, a 97/3 allocation. And both might be right.
So I personally think that comparing anyone's net allocation with SGOTI is unproductive. Many factors affect a choice of allocation strategy.
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11-18-2017, 06:40 PM
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#17
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Thinks s/he gets paid by the post
Join Date: Jun 2004
Location: Diablo Valley (SF Bay Area)
Posts: 2,704
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Quote:
Originally Posted by OldShooter
So I personally think that comparing anyone's net allocation with SGOTI is unproductive. Many factors affect a choice of allocation strategy.
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+1
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11-19-2017, 06:35 AM
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#18
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Thinks s/he gets paid by the post
Join Date: Oct 2002
Location: Chattanooga
Posts: 3,871
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At age 66 just reset mine to 50-50. Only have one index fund, Total Stock Market Fund with FIDO that makes up the brunt of the 50%. The other 50% is CDs (all laddered), bond fund, MM funds and cash.
__________________
Earning money is an action, saving money is a behavior, growing money takes a well diversified portfolio and the discipline to ignore market swings.
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11-19-2017, 06:52 AM
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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 2010
Location: Sarasota, FL & Vermont
Posts: 36,204
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Quote:
Originally Posted by OldShooter
....So I personally think that comparing anyone's net allocation with SGOTI is unproductive. Many factors affect a choice of allocation strategy.
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I agree, but that is not the question the OP asked.... he asked what ours is.
__________________
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, 11:11 AM
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#20
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2004
Location: South Texas~29N/98W Just West of Woman Hollering Creek
Posts: 6,668
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Quote:
Ben Stein recommends an even 50-50 split.
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Are you Ben Stein? Why would Ben's AA recommendation be of interest to you?
I'm sitting at about 50/50. Age 73.
__________________
Part-Owner of Texas
Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. Groucho Marx
In dire need of: faster horses, younger woman, older whiskey, more money.
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