In the post, but 30%--it took me 3 years to scale in. I did 15% originally then about 7-9% a year in bond funds. I'd have to look closely at Quicken, but that's pretty close. I generally scale allocation changes gradually, so that was about as radical a change as I have done.
No Pension. (Well DW will have one worth about 120$/month in 2028). If you have a pension, you probably can roughly consider it as a bond equivalent.
I was still working at the time. Semi-retired 7 years later in 2015.
This is kind of a negative SORR risk case--I didn't expect -39% returns in S&P in 2008 but I did worry about large negative returns and what that would mean, since we were looking pretty good. I did allocate back quickly to get back up to 65%, so that helped--in retrospect. I was back to peak portfolio in a year. There is no way I could have predicted that outcome, though.
No Pension. (Well DW will have one worth about 120$/month in 2028). If you have a pension, you probably can roughly consider it as a bond equivalent.
I was still working at the time. Semi-retired 7 years later in 2015.
This is kind of a negative SORR risk case--I didn't expect -39% returns in S&P in 2008 but I did worry about large negative returns and what that would mean, since we were looking pretty good. I did allocate back quickly to get back up to 65%, so that helped--in retrospect. I was back to peak portfolio in a year. There is no way I could have predicted that outcome, though.
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