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Allocations for 20-30 somethings?
Old 08-05-2006, 12:00 PM   #1
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Allocations for 20-30 somethings?

Just curious as to the allocations of most 20-30 somethings here?

Simply assett classes (Small Cap, International, etc.)

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Re: Allocations for 20-30 somethings?
Old 08-05-2006, 01:14 PM   #2
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Re: Allocations for 20-30 somethings?

Im a 30 something


*
12.68%* Intermediate Bonds

12.61% Short term Bonds

12.42%* INTL INDEX*

11.84%* INTL SMALL CAP

10.42%* LARGE CAP VALUE (domestic)

10.31% SP 500 INDEX*

9.69%* SMALL CAP VALUE (domestic)

9.56%* SMALL CAP STOCK* (domestic)

6.44%* EMERG MRKTS*

4.03% Reits,commdities,tips


We use all funds. Plus a decent amount of cash in money markets, plus a few cd's. I think Ive seen the light on cd's though.
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Re: Allocations for 20-30 somethings?
Old 08-05-2006, 03:05 PM   #3
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Re: Allocations for 20-30 somethings?

29 yrs of age. 150k equity in residential home.
100k equity in condominium
20k outright ownership foreign property
15 k equity foreign residence
10k business equity
145 savings(various local investment.)
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Re: Allocations for 20-30 somethings?
Old 08-05-2006, 06:38 PM   #4
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Re: Allocations for 20-30 somethings?

Equal measures of each
Large Value
Small Value
Europe
Asia Ex Japan
Emerging

International Bonds (GIM)

Everything is very boring mostly Vanguard ETFs. May add commodities because of DJP.* May drop GIM because of tax increases in the last "tax reduction law".
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Re: Allocations for 20-30 somethings?
Old 08-06-2006, 08:42 AM   #5
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Re: Allocations for 20-30 somethings?


15% Domestic Large cap (DFA Enhanced Index)

5% Small cap blend (ishares)

6% Small Cap Value (DFA)

4% Microcap (DFA)

15% Large Cap international (with 5% value tilt)

5% International Small Cap (DFA)

20% (Treasury bills, notes, TIPS, and cash)

20% Real Estate LP's

10% cash set aside for Home purchase (Used to be EM and PCRIX)






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Re: Allocations for 20-30 somethings?
Old 08-06-2006, 11:13 AM   #6
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Re: Allocations for 20-30 somethings?

Im thinking I may need to shift some out of small caps soon. Thoughts anyone? They have had a great run might be time to cut back a bit.
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Re: Allocations for 20-30 somethings?
Old 08-06-2006, 11:42 AM   #7
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Re: Allocations for 20-30 somethings?

Quote:
Originally Posted by Mwsinron
Im thinking I may need to shift some out of small caps soon. Thoughts anyone? They have had a great run might be time to cut back a bit.
I've been hearing that for at least five years. Dimson's research indicates that you'll be hearing it for the next century.

The whole concept of asset allocation is that you pick your numbers, set your limits, and stop tweaking it! If your allocation is 50% and they're up to 60% then knock it back to 50%. If your allocation is 5% and they're up to 10% then knock it back to 5% (although 5% hardly seems worth the effort in the first place).

You're supposed to be able to sleep at night without having to second-guess the market's timing...
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Re: Allocations for 20-30 somethings?
Old 08-06-2006, 01:16 PM   #8
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Re: Allocations for 20-30 somethings?

Quote:
Originally Posted by Nords
I've been hearing that for at least five years.* Dimson's research indicates that you'll be hearing it for the next century.

The whole concept of asset allocation is that you pick your numbers, set your limits, and stop tweaking it!* If your allocation is 50% and they're up to 60% then knock it back to 50%.* If your allocation is 5% and they're up to 10% then knock it back to 5% (although 5% hardly seems worth the effort in the first place).*

You're supposed to be able to sleep at night without having to second-guess the market's timing...
Well Im not trying to "time the market" It makes sense to me to shift a small percentage out of small caps to large caps. The idea behind it is small caps are over valued while large ones are cheap in comparison.
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Re: Allocations for 20-30 somethings?
Old 08-06-2006, 01:42 PM   #9
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Re: Allocations for 20-30 somethings?

Quote:
Originally Posted by Mwsinron
Well Im not trying to "time the market" It makes sense to me to shift a small percentage out of small caps to large caps. The idea behind it is small caps are over valued while large ones are cheap in comparison.
What you are describing sounds exactly like market timing to me, but it's possible that we use the term differently. Perhaps you could clarify your definition of "timing the market"?
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Re: Allocations for 20-30 somethings?
Old 08-06-2006, 02:03 PM   #10
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Re: Allocations for 20-30 somethings?

I am working on adjusting my allocations based on the recommendation from this board but I intend to also maintain 5% for off the wall, market timing, water cooler reco's, options/LEAPs and other investments that I "feel" have merit.

I think this will quench my hunger to find the next big thing or market time and still keep 95% of my allocations in the proper areas.

As the egg grows,I will probably cut this back by a percentage or so every few years.

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Re: Allocations for 20-30 somethings?
Old 08-06-2006, 02:26 PM   #11
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Re: Allocations for 20-30 somethings?

I am about:

8% non-US bonds
8% commodity futures
10% high grade US bonds and CDS
1 to 2% options and warrants
72 to 73% "other"

"Other" is a concentrated portfolio run for total return, mostly in individual small cap equities, although I sling this part of the portfolio around to whatever I think will have the most attractive total return (mostly individual equities and individual junk bonds). One industry makes up about a third of this part of the portfolio, and I am comfy with individual equity exposures of up to 10% of the total portfolio.

The 1 to 2% options and warrants is something I have been playing with in the past 18 months. Thus far, it is a source of very nice returns, due to the inherent leverage of these instruments, but it is risky and very volatile, so I can't imagine that I will ever let it get above 2% (and rarely that high). I tend to be merciless about taking profits quickly in this part of the portfolio when I think that further upside is limited.

But this is a case of "do as I say, not as I do." I am comfortable with a highly idiosyncratic, high risk-high reward portfolio in part because I am in (heavy) accumulation and I don't care (much) about volatility so long as I can generate high returns. This is not for everybody.
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Re: Allocations for 20-30 somethings?
Old 08-06-2006, 02:32 PM   #12
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Re: Allocations for 20-30 somethings?

10% large cap value
33% SP index
20% International
20% small cap growth/value
the balance in Wellington
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Re: Allocations for 20-30 somethings?
Old 08-06-2006, 03:26 PM   #13
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Re: Allocations for 20-30 somethings?

Hard to say for all of my holdings.....just list my 401k type plan....10% Euro-pacific index, 30% sp500, 30% midcap index, 30% small cap index...taxable investments and iras have quite a bit of mid and large caps=dividend payers.....probably will use my next 2 roth contributions to add some more int. index funds.
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Re: Allocations for 20-30 somethings?
Old 08-12-2006, 04:44 PM   #14
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Re: Allocations for 20-30 somethings?

don't know the exact percentages of my allocation, but i do know that i have virtually no bond exposure, maybe 2% or 3% total.

last i checked, 7 months ago, i was 57% US equities, 40% Foreign equites, and 3% other. i plan to have at least 45%, if not 50%, of Foreign exposure by the end of this year.

taking just the percentages from my TSP, off the top of my head:

C fund - S&P Index fund - 34%
S fund - Wilshire 4500 Index fund - 33%
I fund - EAFE Index fund - 33%

i plan to stay low on bonds for quite some time.



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Re: Allocations for 20-30 somethings?
Old 08-13-2006, 01:48 PM   #15
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Re: Allocations for 20-30 somethings?

44 % equities (1/2 US, 1/2 Int'l)
28% bonds (Vanguard TBM, G fund)
28% Vanguard REIT [soon to be TIAA RE]

- Alec
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Re: Allocations for 20-30 somethings?
Old 08-13-2006, 03:46 PM   #16
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Re: Allocations for 20-30 somethings?

I'm not 25 anymore.* *
Rather, I'm in my mid 40s.

I'm at:

70% S&P 500
15% large Cap International
15% Bond/Fixed Income



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Re: Allocations for 20-30 somethings?
Old 08-13-2006, 10:32 PM   #17
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Re: Allocations for 20-30 somethings?

I'm almost 30.

Got most of my wad in my RothIRA is in VTSMX - Vanguard Total Stock Market Index. Going to buy some Total International next.

401(k) type vehicle has all VASGX - Vanguard LifeStrategy Growth Fund.

Most of the wifes is in VTIVX - Vanguard Target Retirement 2045 Fund.

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Re: Allocations for 20-30 somethings?
Old 08-15-2006, 10:48 AM   #18
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Re: Allocations for 20-30 somethings?

I'm 35. As a percent of invested assets:

5% Cash
30% Bonds
25% Foreign Stocks
35% US Stocks
5% Illiquid Equity (two local businesses)

-30% Mortgage

I am about 75% index and mututal funds and 25% individual securities.

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Re: Allocations for 20-30 somethings?
Old 08-16-2006, 10:02 PM   #19
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Re: Allocations for 20-30 somethings?

29 (for a few more months):

44.6% "Fixed Income"
9.0% Municipal ETFs
3.3% Closed-end Bond ETFs
2.6% Individual Corporate Bonds(junk and investment grade)
8.5% I-Bonds and Inflation-indexed treasury bond

7.9% REITs

20.5% Foreign (ETFs and a few mutual funds)

8.5% Natural Resources (mostly oil/gas, individual stocks and closed-end funds)

15.4% US Stocks
4.8% Individual stocks, including DRIPs
10.6% Closed-end ETFs

"Go ahead and laugh" section
1.1% Fixed Annuities (hey, I want to diversify)
1.1% Timber holdings (a la www.tropicaltreefarms.com)
0.8% Oil lease (with a relative...turning out to be "less than good". I've written it down by 75%)

My list of holdings is absurdly too long to put in a post, so I condensed it. Yes, I could make it absurdly simple and put half in Wellesley, but I'm not there yet (I have started, though, and do have $3k in the Big W so far).
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Re: Allocations for 20-30 somethings?
Old 08-16-2006, 11:05 PM   #20
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Re: Allocations for 20-30 somethings?

Quote:
Originally Posted by Peter76
44.6%* "Fixed Income"
9.0% Municipal ETFs
* 3.3% Closed-end Bond ETFs
* 2.6% Individual Corporate Bonds(junk and investment grade)
* 8.5% I-Bonds and Inflation-indexed treasury bond
Those don't add up to 44.6%...

The tree farm looks interesting, but how do you know they are legit? What's to stop them from cutting down your trees, selling them, and skipping town? I know people who manage their own timber farm--it's a lot of aggravation, and the idea of participating in tree farming without the hassle is appealing to me.
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