What is your portfolio asset allocation?

[Contrarian]

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

Bob

 

[freebird5825]

Welcome to the forum.

40/60 AA
Rationale: chicken feathers

 

[FIREd]

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.

 

[bbbamI]

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

 

[friar1610]

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?

 

[walkinwood]

60/40 equity/bond

 

[Nords]

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

See "About Me" in my profile.

 

[clifp]

85/15 Slowly moving back to 20% CDs/Bonds. It isn't that I like equities in this market I just hate 2% bonds.

 

[LOL!]

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: http://www.early-retirement.org/forums/f28/asset-allocation-tutorial-31324-2.html#post578722

 

[easysurfer]

I blindly (oh, I mean systematically ) have 100 minus my age in stocks. The rest in bonds/cash.

 

[NW-Bound]

72% stock currently.

 

[W2R]

45% equities, 55% bonds/cash.

I am retired, and had a greater percentage of equities when I was in the accumulation phase.

 

[CyclingInvestor]

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.

 

[Lisa99]

60/40

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

6-7 years from retirement

 

[Helen]

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.

 

[Alan]

35% equities 65% bonds & cash

 

[Lisa99]

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.

 

[SVHoper]

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.

 

[easysurfer]

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

 

[nun]

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.

 

[kyounge1956]

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

Bob

I just ran an Instant Xray on my portfolio, which is split between a tax-deferred account at my j*b (74% of the total) and a Roth IRA (the rest). I don't have a taxable investment account.

Right now, the AA is at 29% equities, which includes 5% international stocks and about 6% in REITs. The rest is bonds (including about 20% TIPS index) and cash. My target allocation is 30/70, so no need to rebalance at the moment. New money in the tax-deferred account goes into VTINX (Target Retirement Income), and new money in the Roth IRA goes into VIPSX (a TIPS fund).

The reasoning behind this conservative allocation is that I'm even more chicken than freebird.

I second LOL's suggestion to check out the asset allocation tutorial. I found it really helpful.

 

[ultimo]

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

Bob

50% gold/silver-both physical metal and funds, with funds in 401(k); 50% australian dollar and aussie small caps (I have dual citizenship, so buy directly in my Australian superannuation fund, not through ADRs). The same since 2001-2, with some minor fluctuations in between.

 

[obgyn65]

hello Bob

I have zero equity. My AA is 100% CDs, Municipal bonds, or cash.

Reasoning : safety

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

Bob

 

[jayc]

No pension. 85% CD, bonds, cash / 15% stocks. age = 57

 

[keegs]

70/30 equity/bonds and we own two properties. We're 10 years from retirement.