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Re: Year End 2005 Asset Allocations
12-22-2005, 10:37 AM
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#21
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Thinks s/he gets paid by the post
Join Date: Mar 2005
Posts: 2,592
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Re: Year End 2005 Asset Allocations
75% real estate
13% stocks (Fidelity Equity primarily)
12% bonds
__________________
FIRE'd since 2005
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Re: Year End 2005 Asset Allocations
12-22-2005, 10:46 AM
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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: Dec 2003
Location: Losing my whump
Posts: 22,708
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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.
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
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Re: Year End 2005 Asset Allocations
12-22-2005, 10:51 AM
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#23
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2003
Location: Florida's First Coast
Posts: 7,654
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Re: Year End 2005 Asset Allocations
100 Fixed income averaging 4.97%
SWR
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"Never Argue With a Fool, Onlookers May Not Be Able To Tell the Difference." - Mark Twain
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Re: Year End 2005 Asset Allocations
12-22-2005, 12:30 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: Jul 2003
Location: Kansas City
Posts: 7,968
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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
12-22-2005, 12:39 PM
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#25
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Thinks s/he gets paid by the post
Join Date: Oct 2004
Location: LaLa Land
Posts: 4,693
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Re: Year End 2005 Asset Allocations
()
Any reason for leaving Wellesley and Wellington?
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Work is something you do to get enough $ so you don't have to....Me.
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Re: Year End 2005 Asset Allocations
12-22-2005, 01:59 PM
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#26
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Recycles dryer sheets
Join Date: Nov 2004
Posts: 283
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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
__________________
Dad's Dream; to have enough money someday to live the kind of life my wife and kids do...
Life is what happens while you are making other plans... John Lennon...
the more you look, the more you see...
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Re: Year End 2005 Asset Allocations
12-22-2005, 02:07 PM
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#27
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Thinks s/he gets paid by the post
Join Date: Feb 2005
Location: Lou-evil
Posts: 2,025
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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)
__________________
"These walls are kind of funny. First you hate 'em, then you get used to 'em. Enough time passes, gets so you depend on them"
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Re: Year End 2005 Asset Allocations
12-22-2005, 02:59 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: Apr 2003
Location: Hooverville
Posts: 22,983
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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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"As a general rule, the more dangerous or inappropriate a conversation, the more interesting it is."-Scott Adams
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Re: Year End 2005 Asset Allocations
12-22-2005, 03:01 PM
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#29
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Thinks s/he gets paid by the post
Join Date: Feb 2003
Location: Nomadic in the Rockies
Posts: 2,720
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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
12-22-2005, 03:06 PM
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#30
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Thinks s/he gets paid by the post
Join Date: Feb 2003
Location: Nomadic in the Rockies
Posts: 2,720
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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.
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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
12-22-2005, 03:23 PM
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#31
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Recycles dryer sheets
Join Date: Sep 2005
Posts: 97
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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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Is this a good time to RE ? Ok, how about now...
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Re: Year End 2005 Asset Allocations
12-22-2005, 04:38 PM
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#32
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Thinks s/he gets paid by the post
Join Date: Mar 2004
Posts: 2,341
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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.
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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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I look to the present moment because that's where I live my life.
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Re: Year End 2005 Asset Allocations
12-22-2005, 04:43 PM
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#33
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,708
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Re: Year End 2005 Asset Allocations
Quote:
Originally Posted by 73ss454
()
Any reason for leaving Wellesley and Wellington?
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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.
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
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Re: Year End 2005 Asset Allocations
12-22-2005, 07:23 PM
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#34
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Recycles dryer sheets
Join Date: Mar 2005
Posts: 329
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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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Hope springs eternal in the human breast:Man never is, but always to be blest.
The soul, uneasy and confined from home,Rests and expatiates in a life to come.
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Re: Year End 2005 Asset Allocations
12-22-2005, 07:56 PM
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#35
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Recycles dryer sheets
Join Date: Mar 2005
Posts: 75
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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
12-23-2005, 06:52 AM
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#36
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Thinks s/he gets paid by the post
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,455
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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
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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.
Spanky
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May we live in peace and harmony and be free from all human sufferings.
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Re: Year End 2005 Asset Allocations
12-23-2005, 12:40 PM
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#37
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,000
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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
__________________
Numbers is hard
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Re: Year End 2005 Asset Allocations
12-24-2005, 04:58 AM
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#38
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Thinks s/he gets paid by the post
Join Date: Feb 2004
Location: Mid Hudson Valley
Posts: 1,781
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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
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HiHi HaHa,
Except for the gold (my PCRIX) your allocation looks like mine. I'll be reallocating next week...details to follow
Merry Christmas
BUM
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In a panamax down by the river.
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Re: Year End 2005 Asset Allocations
12-24-2005, 07:41 AM
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#39
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Full time employment: Posting here.
Join Date: Nov 2005
Posts: 655
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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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"I went to the woods because I wished to live deliberately... and not, when I came to die, discover that I had not lived."
--Henry David Thoreau
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Re: Year End 2005 Asset Allocations
12-25-2005, 11:42 PM
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#40
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Thinks s/he gets paid by the post
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,455
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Re: Year End 2005 Asset Allocations
I am thinking about adding commodity and Japan for 2006.
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May we live in peace and harmony and be free from all human sufferings.
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