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What is your portfolio asset allocation?
Old 11-15-2010, 06:43 PM   #1
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What is your portfolio asset allocation?

Curious as to others' portfolio asset allocations and reasoning. I am new poster here so forgive if this topic has come up before. Thanks.

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Old 11-15-2010, 06:47 PM   #2
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Welcome to the forum.

40/60 AA
Rationale: chicken feathers
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Old 11-15-2010, 06:55 PM   #3
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Generally around:

50% stocks, REITs and Commodities
50% bonds, CDs and cash

But my AA varies between 30/70 and 70/30 depending on market conditions.
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Old 11-15-2010, 06:57 PM   #4
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53 and 56 years of age...both retired with a pension that covers 25% of expenses. We are both eligible for social security. We are conservative, but feel we need some exposure to the stock market due to inflation.

AA...35/52/13
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Old 11-15-2010, 07:10 PM   #5
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I am fortunate to have a nice military pension + SS. I rarely have to dip into the port which right now is about 45% stocks, 50% fixed income (bond funds, Treasuries, I-Bonds and CDs) and 5% cash. I'm in the situation where I could be more aggressive but I don't have to be, so why do so?
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Old 11-15-2010, 07:18 PM   #6
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60/40 equity/bond
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Old 11-15-2010, 07:18 PM   #7
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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.
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Old 11-15-2010, 07:25 PM   #8
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85/15 Slowly moving back to 20% CDs/Bonds. It isn't that I like equities in this market I just hate 2% bonds.
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Old 11-15-2010, 07:57 PM   #9
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62% equities, 31% bonds, 7% commercial real estate.
Equities are allocated half large-cap, half mid/small cap, half value, half blend, half US, half foreign.

Reasoning a small-cap and value-tilted portfolio has been shown to be at the efficient frontier and follows the Fama & French 3-factor model. See also the articles at www.fundadvice.com and the books by Swedroe, Bernstein, and Ferri.

See also the asset allocation tutorial: Asset allocation tutorial?
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Old 11-15-2010, 08:04 PM   #10
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I blindly (oh, I mean systematically ) have 100 minus my age in stocks. The rest in bonds/cash.
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Old 11-15-2010, 08:08 PM   #11
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72% stock currently.
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Old 11-15-2010, 09:08 PM   #12
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45% equities, 55% bonds/cash.

I am retired, and had a greater percentage of equities when I was in the accumulation phase.
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Old 11-15-2010, 09:09 PM   #13
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52, ex-programmer, retired 4 years, no pension

100% individual stocks (for many years now) - medium to large cap with long histories of increasing earnings and dividends, good management and capital allocation (IMO). It is the only allocation that lets me sleep at night.
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Old 11-15-2010, 09:43 PM   #14
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60/40

Equity - vanguard total stock market, total intl stock market, small cap index
Bond - vanguard total bond index

6-7 years from retirement
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Old 11-15-2010, 09:55 PM   #15
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60/40

Equity - vanguard total stock market, total intl stock market, small cap index
Bond - vanguard total bond index

6-7 years from retirement
I like your portfolio, it's nice and simple.
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Old 11-15-2010, 09:58 PM   #16
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35% equities 65% bonds & cash
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Old 11-15-2010, 10:49 PM   #17
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I like your portfolio, it's nice and simple.
Thank you Helen. Less then 3 months ago we were in more than 25 funds thanks to our financial advisor. He's been let go and we now self-manage.

Learned everything I know (which isn't much yet!) from this forum, Bogleheads and recommended readings from same.
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Old 11-16-2010, 12:20 AM   #18
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We plan on ~10 years more accumulating. 100% equities for next 5 or so. Unlike lots of others are probably still a little under 2007 highs (exc additions), but has generally been OK over last decade. I understand why this would not work during withdrawal as being able to buy more early 2009 certainly helped.
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Old 11-16-2010, 12:22 AM   #19
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Thank you Helen. Less then 3 months ago we were in more than 25 funds thanks to our financial advisor. He's been let go and we now self-manage.

Learned everything I know (which isn't much yet!) from this forum, Bogleheads and recommended readings from same.

Not only is it nice and simple, also think of the savings on advisor fees
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Old 11-16-2010, 12:38 AM   #20
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50/50. I re-balance whenever I get 10% from this so at 45/55, 55/45 etc. which forces me to sell high.

I also have a rental property that gives me $1200/month in income. Add in a small company pension, UK SS and US SS and I'd say I'm conservatively allocated.
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