Being apparently so woefully behind the majority here, I have to ask a loaded question... Been in a 40/60 moderate-conservative AA with a YTD of abt 1.3% and 2020 performance of only +7% give or take. Does this sound radically out of line with others with a similar AA? 62 y/o, and AUM of abt. 2.2m at this point, no debt, own home, low COLA. Have a longtime hourly FA who i meet with off and on a few times a year. He is decidedly a "value approach" guy - and much of his advice seems oriented to keeping the PF in line with my risk tolerance.
I'd be glad to get some second opinions here on actual positions if there's a relatively simple way of posting that data - and in whatever appropriate category that might to be placed. Dividend income averages 50-55k, and often he suggests that simply looking at those total return figures in comparison to 'benchmarks' isn't necessarily fully reflective of my actual ROI and appreciation of value.
Sometimes I just feel like chucking it all into something like VWELX or that even an annuity would outperform how 'we've' done in recent years...but he has kept me sane.. There's a certain degree of capital preservation/preservation sentiment that's crept into the whole equation being on the verge of semi-retirement with no pension (sole proprietor/self employed) and Spending going forward probably in the 40-50k/year ballpark incl. prop. taxes...and I'm due for maybe 18k/year in S.S. if I choose to take it at, say, 66. All this said I do show 100% success under all moderate AA Firecalc simulations I've run for a 30 year horizon. Long-winded contribution but seeing threads like this always kicks me into reflective mode about how much better things might be and whether it's time for a change in investment 'philosophy.
