Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Re: $100k Milestone!
Old 01-13-2006, 04:13 PM   #121
Recycles dryer sheets
 
Join Date: Dec 2005
Posts: 186
Re: $100k Milestone!

i also feel that the more money you have , the less risk you should take...

my personal view of course!

mahalo for all the info
__________________

__________________
We should all feel blessed!
wstu32 is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Re: $100k Milestone!
Old 01-13-2006, 04:19 PM   #122
Moderator Emeritus
Nords's Avatar
 
Join Date: Dec 2002
Location: Oahu
Posts: 26,616
Re: $100k Milestone!

Quote:
Originally Posted by wstu32
i also feel that the more money you have , the less risk you should take...
Only if you don't mind losing to inflation.

Over a five-six decade retirement that's cutting it too close for comfort.
__________________

__________________
*
*

The book written on E-R.org, "The Military Guide to Financial Independence and Retirement", on sale now! For more info see "About Me" in my profile.
I don't spend much time here anymore, so please send me a PM. Thanks.
Nords is offline   Reply With Quote
Re: $100k Milestone!
Old 01-13-2006, 04:20 PM   #123
Recycles dryer sheets
 
Join Date: Dec 2005
Posts: 186
Re: $100k Milestone!

point well taken!
__________________
We should all feel blessed!
wstu32 is offline   Reply With Quote
Re: $100k Milestone!
Old 01-13-2006, 05:49 PM   #124
Thinks s/he gets paid by the post
SteveR's Avatar
 
Join Date: Jul 2005
Posts: 2,803
Re: $100k Milestone!

Quote:
Originally Posted by wstu32
i also feel that the more money you have , the less risk you should take...

my personal view of course!

mahalo for all the info
Sort of depends on what you are saving it for. A big pile of $$ is great. A bigger pile of $$$ is better but at some point the pile is way more than you really need to fund your income needs and it then becomes a hoard.

Some of the folks here have done very well and have socked away multimillions. How much of that will be left on the table or sucked into the tax vacuum after they are gone? There seems to be a disconnect with some folks here with the goal of being FI so you can RE. The pile has become the goal and not the tool to get to RE.

Just my 2 cents on Friday the 13th.
__________________
Work? I don't have time to work....I'm retired.
SteveR is offline   Reply With Quote
keep an old thread alive
Old 04-26-2008, 11:22 AM   #125
Dryer sheet aficionado
 
Join Date: Sep 2004
Posts: 32
keep an old thread alive

Thought it would be fun to bring this thread back. Especially because looking through the archives I found my post when I was 29.

Now I'm 31 and hit another milestone...300K in various investments accounts. Given the recent stock market swings, I will actually be hitting that particular dollar amount more than once...going up and down!

And just for fun, here's an asset allocation...anyone want to comment? This is spread out across 401k, roth, and taxable accounts. Using taxable accounts b/c the 401k/roth is maxed out, and i didn't want to keep holding it as cash.

SP500 40%
Small cap 20%
REIT 8%
long-term bond 8%
VGTSX (vanguard international index) 12%
stock 1%
cash (the "6-month" savings) 11%
__________________
eryx is offline   Reply With Quote
Old 04-26-2008, 12:19 PM   #126
Thinks s/he gets paid by the post
DblDoc's Avatar
 
Join Date: Aug 2007
Posts: 1,224
Quote:
Originally Posted by eryx View Post
Thought it would be fun to bring this thread back. Especially because looking through the archives I found my post when I was 29.

Now I'm 31 and hit another milestone...300K in various investments accounts. Given the recent stock market swings, I will actually be hitting that particular dollar amount more than once...going up and down!

And just for fun, here's an asset allocation...anyone want to comment? This is spread out across 401k, roth, and taxable accounts. Using taxable accounts b/c the 401k/roth is maxed out, and i didn't want to keep holding it as cash.

SP500 40%
Small cap 20%
REIT 8%
long-term bond 8%
VGTSX (vanguard international index) 12%
stock 1%
cash (the "6-month" savings) 11%
Seems like a very reasonable AA. What little I know about the bond portion would recommend short/int term bonds as you are poorly rewarded for interest rate risk for long term bonds. Of course if you are sitting on some good yielding ones in our current market I'd still be tempted to hold onto them...

DD
__________________
DblDoc is offline   Reply With Quote
Old 04-26-2008, 01:06 PM   #127
Recycles dryer sheets
ikubak's Avatar
 
Join Date: Dec 2007
Posts: 389
Quote:
Originally Posted by mathjak107 View Post
i remember how thrilled i was at the 100k point back in the 80's...it was an amazing feeling....
this year we broke 1.5 million but it wasnt the same feeling as the ole 100k....
Yep, like a drug, it takes more and more money to achieve the same high.
__________________
Retire date Jan. 5, 2018
ikubak is offline   Reply With Quote
Old 04-26-2008, 03:01 PM   #128
Dryer sheet aficionado
 
Join Date: Sep 2004
Posts: 32
It is VBLTX, Vanguard Long Term Bond Index, and it is in a roth. Its lifetime performance is (since 1994) is 2% better than short term bonds. Looks like you are correct about how things stand now, though, since the short term index is doing better than the long term index over the last year. Being that it is in a Roth, though, I'm more concerned about how it will do over 20-30 years...
__________________
eryx is offline   Reply With Quote
Old 04-28-2008, 03:39 PM   #129
Thinks s/he gets paid by the post
Jay_Gatsby's Avatar
 
Join Date: Oct 2004
Posts: 1,718
Quote:
Originally Posted by ikubak View Post
Yep, like a drug, it takes more and more money to achieve the same high.
And they both can go up your nose....
__________________

__________________
He had one of those rare smiles with a quality of eternal reassurance in it . . . It faced, or seemed to face, the whole external world for an instant and then concentrated on you with an irresistible prejudice in your favor. -- The Great Gatsby, F. Scott Fitzgerald
Jay_Gatsby is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
A milestone, for now, anyway... kaudrey Young Dreamers 34 05-14-2007 03:40 PM
new milestone for us simple girl FIRE and Money 14 04-12-2007 02:02 PM
A neat milestone laurence FIRE and Money 20 01-23-2007 10:34 AM
First Milestone Reached! NinjaPigeon Young Dreamers 16 04-06-2006 05:28 PM
I missed the last meaningless milestone cute fuzzy bunny Other topics 13 05-23-2005 07:07 AM

 

 
All times are GMT -6. The time now is 10:01 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.