70/30 60/40 Portfolio

[augam]

For those who use this AA I am looking for recommendations on where to put the 30/40 part of the portfolio.

 

[brewer12345]

t the moment, I am mostly cash and bonds, but I normally shoot for 60-65/35-40. The non equity piece is in a mix of bond index funds (total bond index), CDs (shop for best rates at credit unions), cash, and I also make use of merger arbitrage funds (MERFX and ARBFX).

 

[OldShooter]

Ours is mostly in TIPS.

 

[Dtail]

CD's and Stable Value fund with cash in online savings.

 

[RobbieB]

CA muni's, double tax free.

 

[corn18]

All of my 40 is in a stable value fund in my 401k. I do have a little in the TSP G fund.

 

[jimbee]

The majority of mine is in Vanguard Total Bond, VBTLX.

 

[tdv2]

Most of my 40% of my 60/40 is in total bond index funds such as FSNAX. I like to keep 3 to 4 years spending in cash equivalents like high yield CD's spread out under the FDIC limit.

 

[DrRoy]

Mine is mostly individual, investment grade corporate bonds.

 

[VanWinkle]

25% of my fixed income is in mortgage loans to individuals, 70% is in 2 intermediate bond funds, and 5% is in cash within a high interest rewards checking account.

 

[Navigator]

I put mine in short-term (1 to 5 year) treasuries. Short term bonds would also work.

 

[Red Badger]

TIPS for longer term, CD's for Shorter duration, cash for a year.

 

[donheff]

We are at about 33% bonds. Most is in VG Total Bond. About 20% of bonds are in TSP G.

 

[Midpack]

Mostly VBTLX and online savings, with some VFSUX and VWIUX.

 

[Lsbcal]

For those who use this AA I am looking for recommendations on where to put the 30/40 part of the portfolio.

I would lean towards the heavier stock allocation as we get to a point where vaccine trials are effective (results of phase 3 trials, fingers crossed). Part of my planned heavier stock allocation eventually will be using a moving average approach since this timing approach has a history of beating bonds. Somewhat controversial here but in the tax deferred part of portfolio to complement a buy-hold equity portfolio.

Currently for the bonds not already purchased I'm using a 50/50 mix of VFIDX / VFSUX (intermediate/short term) bonds. Since TIPS are currently negative I would not expect much from this mix. In the short term might keep up with inflation.