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Re: Year End 2005 Asset Allocations
Old 12-22-2005, 11:37 AM   #21
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Re: Year End 2005 Asset Allocations

75% real estate
13% stocks (Fidelity Equity primarily)
12% bonds

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Re: Year End 2005 Asset Allocations
Old 12-22-2005, 11:46 AM   #22
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Re: Year End 2005 Asset Allocations

Pretty different from being single and ER'ed with no regular income (last year) to being married with an 11 month old and a working wife...

Last year my port had ~ 10% reit, ~15% foreign of various types, most of the rest was split evenly between wellesley and wellington.

This year, by fund and %:

Taxable:

International Value 6.5%
Energy 4.1%
Precious Metals 1.7%
High-Yield Corporate 10%
Equity Income 25%
Windsor II 25%

IRA:
REIT 10%
Small cap value 4%
International Small Cap 2%
Emerging Market 5%
Health care 3%

Roth:
.5% Asset Allocation

Percentages are of total port, taxable and nontaxable combined

Wife also has about 1.5% of our total net worth in the target retirement 2045 and another 1.5% in her 403b in the s&p500 index.
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Re: Year End 2005 Asset Allocations
Old 12-22-2005, 11:51 AM   #23
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Re: Year End 2005 Asset Allocations

100 Fixed income averaging 4.97%

SWR
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Re: Year End 2005 Asset Allocations
Old 12-22-2005, 01:30 PM   #24
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Re: Year End 2005 Asset Allocations

75% Vanguard Lifestrategy mod/conservative funds roughly comes out 60/40 stocks/fixed.

15% Individual DRIP Stocks - utilities, telephone, banks, drugs, oils - the usual suspects.

10% Vanguard REIT Index.

Not exact - cause I don't rebalance much - maybe every 2-4 years. All in - current yield about 3%.

DeGaul and the Norwegian widow ride on.

Did have about 50k in petty cash - Katrina took care of that.
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Re: Year End 2005 Asset Allocations
Old 12-22-2005, 01:39 PM   #25
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Re: Year End 2005 Asset Allocations

()

Any reason for leaving Wellesley and Wellington?

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Re: Year End 2005 Asset Allocations
Old 12-22-2005, 02:59 PM   #26
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Re: Year End 2005 Asset Allocations

28% Fixed Assets and Cash
20% International (TSP-I, VEIEX, VHGEX, VEURX)
22% US Mid Cap (VASVX, VSEQX, VHCOX)
30% US Large Cap (VFINX, VTSMX, VWNFX, VWELX, VGHCX)

Mostly Vanguard - not factoring equivalent fixed assets for pensions.

JohnP
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Re: Year End 2005 Asset Allocations
Old 12-22-2005, 03:07 PM   #27
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Re: Year End 2005 Asset Allocations

Without doing the actual %'s I am right around:

25% small cap
25% international
10% cash
10% commodities
30% mid-large cap (including a few individual stocks)
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Re: Year End 2005 Asset Allocations
Old 12-22-2005, 03:59 PM   #28
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Re: Year End 2005 Asset Allocations

I may have missed someone, but it appears that the only posters so far with => 50% fixed are Grumpy including his capitalized pension, SWR, and me. Interesting for a bunch of mostly retired or near retired people.

Ha
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Re: Year End 2005 Asset Allocations
Old 12-22-2005, 04:01 PM   #29
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Re: Year End 2005 Asset Allocations

This info is repeated as a new post and as an edit to my first post in this thread.

After playing around with Vanguard's features I came up with this allocation breakout. It throws my 11.9% REIT in with U.S. Stock...not sure if it counts is as large or mid/small:

39.0% Large U.S. Stocks
22.9% Bonds
22.0% Mid/Small U.S. Stocks
9.0% International Stocks
7.1% Short-Term Reserves

The cash % will shrink as the rest of the port grows. I'd like to put more bonds in. The rest is pretty close to my intended target; REIT and Int'l should each be 10%. I accidentally overweighted REIT when I bought but am not adding to it.
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Re: Year End 2005 Asset Allocations
Old 12-22-2005, 04:06 PM   #30
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Re: Year End 2005 Asset Allocations

Quote:
Originally Posted by HaHa
I may have missed someone, but it appears that the only posters so far with => 50% fixed are Grumpy including his capitalized pension, SWR, and me. Interesting for a bunch of mostly retired or near retired people.
Unless I go Terhorstian I'm many years from retirement, but my current plan is to maintain about the allocation I have now throughout retirement. I have a lot of time to change my mind, though.
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Re: Year End 2005 Asset Allocations
Old 12-22-2005, 04:23 PM   #31
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Re: Year End 2005 Asset Allocations

The CA house is probably about 80% of our net worth.
The rest is:

36% US stocks
23% foreign stocks
20% bonds
15% money market
5% other (PCRDX, GLD, ...)

I'd like to diversify out of CA real estate but there are other factors.
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Re: Year End 2005 Asset Allocations
Old 12-22-2005, 05:38 PM   #32
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Re: Year End 2005 Asset Allocations

Quote:
Originally Posted by HaHa
I may have missed someone, but it appears that the only posters so far with => 50% fixed are Grumpy including his capitalized pension, SWR, and me. Interesting for a bunch of mostly retired or near retired people.
11% MM
69% Fixed
20% Equity

I hope to educate myself more next year to increase the Equity portion to 30% especially after I sell my house.

MJ
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Re: Year End 2005 Asset Allocations
Old 12-22-2005, 05:43 PM   #33
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Re: Year End 2005 Asset Allocations

Quote:
Originally Posted by 73ss454
()

Any reason for leaving Wellesley and Wellington?
Yepper doodles. Look for the thread "pimp my ride" for the gory details, but here's the short answer.

When I was single, needed stability and limited volatility, good growth and high current income, and had no other income sources to jack up the taxes, wellesley and wellington nicely fit the bill.

When I was married with a working wife who has a good income, hers pays the bills, and she doesnt want to quit working for some time (ten years is a common time frame she throws out), I didnt need as much stability or low volatility, I could 'shoot the moon' with a little less anxiety, and the last thing I needed was a buttload of nonqualified dividends jacking up my tax rate.

In the new scenario, we get lots of volatility, something in the 3% range for payouts, about 2.4% of which is qualified dividends. We're going to pay zero taxes this year. I still have money coming out of my ears.

If the 5/15% deal on qualified dividends didnt exist and they were taxed at a higher rate, or as ordinary income, i'd probably have stuck with the old mix.

As it is, by the time the wife quits, we'll have plausibly doubled our nest egg while living fairly high on the hog.
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Re: Year End 2005 Asset Allocations
Old 12-22-2005, 08:23 PM   #34
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Re: Year End 2005 Asset Allocations

10% VTSMX - Total Stock Mkt
10% VISVX - Small Value
10% VTMGX+VPACX (7%+3%) - Tax Mgd Intl + Pacific Indx
10% TBGVX - Intl Mid/Small Value
10% VEIEX - EM Index

08% VIPSX - TIPS
08% VBISX - Short Term Bonds
09% PTTRX+PEBIX(6%+3%) - Total Ret + EM bonds

10% VGSIX - REIT Idx
05% PCRIX - Commodities
05% MERFX - Merger Fund
05% BRK.B* - Berkshire Hathaway*

50% Equities, 25% Bonds, 25% Other. I overweighted my equity exposure to Intl as most of the Bonds and Other is in Dollars.
All rebalancing done using new contributions
-h
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Re: Year End 2005 Asset Allocations
Old 12-22-2005, 08:56 PM   #35
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Re: Year End 2005 Asset Allocations

My portfolio is still taking shape, but am about solidify it this spring. I have noticed most have a small portion in Intl. My intial target allocation is going to be a 70 equity/30 fixed income bond ratio. (=/-5%) My plan is to have at least 40% of the equity portion in International funds.

I'm not smhat enough, (or have the confidence), to work my assests outside of mutual funds, so they will be tied up between VG, Dodge and Cox and maybe some Fidelity.

Thanks for sharing your allocations.

Christopher
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Re: Year End 2005 Asset Allocations
Old 12-23-2005, 07:52 AM   #36
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Re: Year End 2005 Asset Allocations

Quote:
Originally Posted by Chris24
I'm not smhat enough, (or have the confidence), to work my assests outside of mutual funds, so they will be tied up between VG, Dodge and Cox and maybe some Fidelity.
Christopher
Chris,

All my holdings are in mutual funds except for the company stock. Mutual funds and ETFs are all you will need to build a solid portfolio.

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Re: Year End 2005 Asset Allocations
Old 12-23-2005, 01:40 PM   #37
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Re: Year End 2005 Asset Allocations

23% Cash
38% Bonds
26% US stocks
13% International stocks

The non-cash holdings are primarily in three funds:
Vanguard Wellesley
Dodge & Cox Balanced
Dodge & Cox International
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Re: Year End 2005 Asset Allocations
Old 12-24-2005, 05:58 AM   #38
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Re: Year End 2005 Asset Allocations

Quote:
Originally Posted by HaHa
What is your allocation going into 2006? Here is mine:

Cash & I-Bonds 52%
Energy 18%
Foreign Stk 11%
US Stk 7%
Foreign Fixed 6%
Gold 5%
REIT 1%

Ha
HiHi HaHa,

Except for the gold (my PCRIX) your allocation looks like mine. I'll be reallocating next week...details to follow

Merry Christmas

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Re: Year End 2005 Asset Allocations
Old 12-24-2005, 08:41 AM   #39
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Re: Year End 2005 Asset Allocations

Dreyfus Basic S&P 500 15%
Vanguard Value Index 8%
Vanguard Asset Allocation 2%
Vanguard Mid-Cap Index 14%
Vanguard Small Cap Value Index 5%
Vanguard International Value 6%* *
Vanguard European Index* 7%
Vanguard Pacific Index* 7%
Vanguard Emerging Markets Index 5%
Vanguard Prime Money Market 31%

RS
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Re: Year End 2005 Asset Allocations
Old 12-26-2005, 12:42 AM   #40
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Re: Year End 2005 Asset Allocations

I am thinking about adding commodity and Japan for 2006.
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