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Old 11-16-2010, 09:24 AM   #41
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Quote:
Originally Posted by Jake46 View Post
36% equities/64% bonds
%Bonds = Age
My allocation mirror's Jake. Just a coincidence I'm sure...
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Old 11-16-2010, 09:28 AM   #42
Recycles dryer sheets
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60/40 stocks/bonds.
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Old 11-16-2010, 09:51 AM   #43
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Ages 65 and 62, retired since 2000.

8% International Stock
32% US Stock
55% Bond
5% Cash
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Old 11-16-2010, 10:00 AM   #44
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87% stocks, 13% cash, all for emergencies/LTC. I don't see why I would want to hold bonds, though I see that most everyone has some.
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Old 11-16-2010, 10:58 AM   #45
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Nominally 98% equities, 2% cash. Up to about 7% cash now due to the last market rise. Asset allocation for me is among various equity categories, where I'm heavily diversified.

Obviously there are many ways to do it.
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Old 11-16-2010, 11:13 AM   #46
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45, retired, DW still works

65% Equities
5% commercial real estate
30% Cash/Bonds/CD's

About a 2% WR currently

My target AA is 55% equities, 5% RE and 40% cash/bonds, so I'm a little off. Bought some "cheap" stocks with cash recently............
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Old 11-16-2010, 11:14 AM   #47
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Roughly 50% stocks, 40% bonds, and 5% ea. REIT and CCF.
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Old 11-16-2010, 11:48 AM   #48
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Location: Eastern PA
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Retired since 2007; DW is to join me May 2011. Both age 62 (don't intend to start SS till 70 - for me, 66 for DW).

Our joint retirement portfoio (e.g. my TIRA, Roll-over IRA, Roth, along with my DW's 401(k), TIRA, and Roth Ira's) are at a 50/50 target AA mix (50% equity/50% bonds-cash). As of today? We're at 49/51. I do not adjust until we are at least 5% +/- from target.

DW's holdings are vastly more conserative than mine (DW at 38% equity; me at 56% equity) but since we have different investments options - due to her 401(k) and different risk assessments, that's just the way it turned out.
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Old 11-16-2010, 11:58 AM   #49
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Quote:
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Curious as to others' portfolio asset allocations and reasoning. I am new poster here so forgive if this topic has come up before. Thanks.

Bob
My original target was 65% stocks, 35% bonds for my investment portfolio. And the plan was to have an initial withdrawal rate capped at 3%, with the intention of spending less (ignoring rental income and any employment income for the purposes of this calculation). But as the portfolio has grown relative to expected withdrawals, I've decided I don't need to maintain the same allocation to equities, so my current stock allocation is down to 55% (and really could be closer to 50%).

Here's a hypothetical to illustrate. Assume we start with $1MM and determine that a 4% WR and a 60/40 AA is "safe" for our expected 30 year lifespan. If the portfolio grows in real terms to $1.5MM, I shouldn't need to increase my equity allocation from $600K to $900k (60%) to retain the same "safety" I started with. I should be able to maintain the same $600K/$400K equity allocation on the first $1MM and move the $500MM balance to 30yr TIPS. I now have a $1MM portfolio allocated 60/40 which should "safely" service my $40K annual withdrawals, AND I have an additional $500K tucked away in inflation protected securities as an insurance policy. As a result my equity allocation declines from 60% to 40%.

So I'm ratcheting down my equity allocation loosely based on the formula:

Equity Allocation = (Withdrawal Amount / Starting WR) * Initial Equity Allocation / Portfolio Balance

In the hypothetical above, that would work out to be (40,000/.04)*.6/1,500,000 = 40%
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Old 11-16-2010, 12:19 PM   #50
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55/30/15 baseball cards/beanie babies/tulip bulbs.

For safety I am gradually moving $$ into CDs from Stanford Intl Bank of Antigua.
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Old 11-16-2010, 12:35 PM   #51
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Originally Posted by Onward View Post
55/30/15 baseball cards/beanie babies/tulip bulbs.

For safety I am gradually moving $$ into CDs from Stanford Intl Bank of Antigua.
At least you aren't a dirty market timer...
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Old 11-16-2010, 12:36 PM   #52
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About 65/30/5

16.2%Large Blend
6.7%Large Value
9.5%Small Blend
4.5%Small Value
11.9%Intl
7.5%Emer Mkts
2.6%REIT
4.2%Energy
 
29.5%Bonds
5.4%Cash
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Target AA: 60% equity funds / 35% bond funds / 5% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
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Old 11-16-2010, 12:39 PM   #53
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Quote:
Originally Posted by teejayevans View Post
Did you get this info via web site or did one of the VG advisors gives you this info?
TJ
This is a standard feature for all customers called Portfolio Watch. I use VG to track all my non-Vanguard savings and investments as well as my VG funds, so based on all the information it has, it provides detailed information similar to Morningstar's X-Ray, and also gives a historical analysis.

For me, with my current mix I have attached a picture of the site analysis.
Attached Images
File Type: jpg VG Analysis.JPG (24.9 KB, 8 views)
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Old 11-16-2010, 01:16 PM   #54
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Taxable - 100% PRPFX
Tax Deferred - 30% stock 70% very short term bonds
Tax Exempt (Roth) - 100% VWIAX

8 1/2 years until retirement with a COLA'd pension
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Old 11-16-2010, 03:24 PM   #55
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60% stocks, 40% bonds

The stocks are 70% domestic, 30% international (ex US)
The domestic stocks are 80% total stock market, 20% small cap value (That is, I overweight small cap value. The fraction was too small to bother with for international.)

Bonds are split 50% TIPS and 50% intermediate term (in a fund with little in the way of mortgage-related instruments)

All multiplied out, this gives me:
20% Vanguard Intermediate Term Bond Fund
20% Vanguard Inflation-protected Securities Fund
33.6% Vanguard Total Stock Market Fund
8.4% Vanguard Small-cap Value Fund
18% Vanguard FTSE All-World Ex-US Fund
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Old 11-16-2010, 04:03 PM   #56
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70.5% stocks (large cap, small cap & international)
8.55 bonds
20.95 G fund...whatever category that falls under...

Those are my TSP allocations, which is set for the L-2030 target retirement fund.

If I wasn't expecting my two pensions (federal employee & retired military) I probably would be doing something different investment-wise.
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Old 11-16-2010, 07:16 PM   #57
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40% Coors Light/40% Miller Lite/20% Corona
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Old 11-16-2010, 07:22 PM   #58
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40% Coors Light/40% Miller Lite/20% Corona
If you were a market timer you'd be buying whatever Winn-Dixie has on sale this week....
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Old 11-16-2010, 08:06 PM   #59
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If you were a market timer you'd be buying whatever Winn-Dixie has on sale this week....
My Winn-Dixie closed down 2 months ago. But there is a cheap med store on the way home from the golf store. I usually buy in bulk to save a dollar or two.
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Old 11-16-2010, 08:11 PM   #60
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If it is about that, I would just have one stock: Duvel. It can be classified as "value" stock if you consider its "dividend".
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