How does your asset mix look at present

[Canadian Grunt]

I recently added to my MSCI EAFI component as it took a dive this year and wanted to average up my losses by purchasing more of the ETF. As part of the process I recalculated my portfolio mix.

Everything I own generates cash in the form of dividends or interest.

Here is my mix, what's yours? and have you readjusted to compensate for the economic downturn within the last 6 months or are you sitting tight?


Fixed Income (mostly corporate bonds) 37%

Energy 10% (international oil stocks with HQ in Canada)

Dividend 15%

MSCI EAFI 18%

Reits 3%

Income Trusts (contain a high energy component) 13%

Cash 3%



The only stocks I own are two Canadian oil companies. The rest are iShares ETF’s and a small component of CD’s.

Portfolio is down 2.5% for the year as of yesterdays close.

 

[WilliamG]

Fixed Income 46% (1/2 in Wellesley)

Dividend Paying Stock 12% (in Wellesley)

MSCI EAFI 10%

TSM and Mid-caps 20%

REIT Index 8%

Cash 4%

 

[FUEGO]

Total Market Index (US) - 16.5%
Extended Market (Wilshire 4500) - 14.8%
Value (US) (includes Bank index fund) - 11.6%
Small Cap indx (US) - 6.3%
Small Cap Value index (US) - 8.3%
European Index - 12.2%
Pacific indx - 12.2%
Emerg. Mkts index - 12.0%
International Value - 6.1%


I just rebalanced a bunch into the European, Pacific, and Emerging Mkts this week to get back to my target of 12.5% in each of those. International Value is way under my desired 12.5% allocation, but I'm waiting till Jan 1 to partially correct this with IRA contributions (no way would I want to hold Intl Value in my taxable accounts).


This doesn't include a chunk of odds and ends that I'm slowly whittling away and investing according to my asset allocation.

 

[DblDoc]

As of last month when I last invested:

US Large Caps31.22%
US Value7.30%
US Small Value4.68%
US REIT's4.34%
Foreign Stocks18.64%
Emerging Markets8.41%
Foreign Value5.24%
Short Term Gov14.44%
Int Term Gov5.73%

New money is going into the laggards which I'm guessing will once again be foreign equities.

Down 7.99% YTD with an 80:20 AA

DD

 

[Animorph]

Mine's same as always, but I've had to rebalance to stay there. Clearly foreign equities have dropped a lot more than domestic recently. I just added to EM, and foreign large and small growth are close to requiring more. I also added to natural resources last month. Nothing on the domestic side is below target.

 

[LOL!]

A morningstar portfolio analysis tells me I have:
11% cash
23% bonds
31% US stocks
26% foreign stocks
8% TIAA real estate

Of the stocks, about 52% large cap, 48% mid/small cap. Despite the 11% cash, I have no cash myself. It seems my 401(k) bond fund has a lot of cash.

Normally, I want foreign stocks to be same as US stocks, but foreign has dropped more than US stocks in the last few months. Before year-end, I will probably rebalance about 5% from fixed income into more foreign stocks to get back to 31% foreign stocks.

 

[CyclingInvestor]

50yo, retired 2 years. 3% cash, 97% individual stocks (EMR, GE, ITW, JNJ, KIM, KO, MMM, PG, SYY about evenly at the moment). Up 0.3% YTD as of yesterday.

 

[chinaco]

I have moved nothing.... but my bond to stock ratio has come close to the target that I wanted to achieve over the next couple of years (through rebalancing) and I didn't have to do a thing. The market did it for me.

 

[Tadpole]

My international as a percent of equities is the highest it has been. But, my equities as a percent of portfolio is the lowest it has been.

 

[v5200]

I know I need to rebalance, but here's a snapshot form this AM:

Domestic Stocks 45.72% ($846,451.62)
Foreign Stocks 13.22% ($244,773.72)
Bonds 6.32% ($117,087.80)
Short-term 32.12% ($594,719.87)
Unknown 0.00% ($25.71)
Other 2.61% ($48,333.44)

I kow I have way too much in short term (a tax free bond fund), but the market is so unstable right now, I can't help but feel that waiting might be a good strategy.

I'mm 44 and hope to retire in 2 years...

 

[bpp3]

Target allocations unchanged, but I'm low on stocks as compared to target, unsurprisingly. (Bonds target is age-10.)

Within that, my target is 50/50 Japan/foreign stocks, where "foreign" is 50/50 US/elsewhere. New money is currently going into US and EM.

 

[ats5g]

My 60/40 portfolio

VIPSX 15%
VBMFX 25%
US stocks 30%
Foreign Stocks 30%

 

[Midpack]

Not sure why you'd care but I'm sitting tight, sleeping like a baby:

21.1% Large Blend
6.6% Large Value
11.4% Small Blend
5.5% Small Value
14.2% Intl
6.4% Emerging Markets
3.1% REIT
2.6% Commodity
23.7% Bonds
5.4% Cash

 

[Spanky]

Not sure why you'd care but I'm sitting tight, sleeping like a baby:

21.1% Large Blend
6.6% Large Value
11.4% Small Blend
5.5% Small Value
14.2% Intl
6.4% Emerging Markets
3.1% REIT
2.6% Commodity
23.7% Bonds
5.4% Cash

You appears to have a great tolerance for risk with about 70% equity exposure.

 

[Spanky]

I know I need to rebalance, but here's a snapshot form this AM:

Domestic Stocks 45.72% ($846,451.62)
Foreign Stocks 13.22% ($244,773.72)
Bonds 6.32% ($117,087.80)
Short-term 32.12% ($594,719.87)
Unknown 0.00% ($25.71)
Other 2.61% ($48,333.44)

I kow I have way too much in short term (a tax free bond fund), but the market is so unstable right now, I can't help but feel that waiting might be a good strategy.

I'mm 44 and hope to retire in 2 years...

Short-term bond funds are doing well this year.

It's great to have the ability to retire in 2 years -- congrats.

 

[Hamlet]

I'm at about 97% equity exposure, with 3% cash.

I'm unwilling to buy bonds when they pay less than the inflation rate.

I feel that buying government bonds at current prices is a riskier activity than buying stock in solid companies at current prices.

You appears to have a great tolerance for risk with about 70% equity exposure.

 

[Midpack]

You appears to have a great tolerance for risk with about 70% equity exposure.

I had 100% equity exposure until less than 5 years ago...not for the faint of heart I realize. Slept like a baby, had great long term returns...

 

[Free To Canoe]

ASSET ALLOCATION

26.13% US Stock MFs
18.43% EmergingMkts
27.21% WORLD MFs
5.49% OIL&GAS MFs
17.63% REIT MFs
4.72% CASH

All are in no load mutual funds except for cash.

Free to canoe

 

[Ronnieboy]

50yo, retired 2 years. 3% cash, 97% individual stocks (EMR, GE, ITW, JNJ, KIM, KO, MMM, PG, SYY about evenly at the moment). Up 0.3% YTD as of yesterday.

I know most of these pay dividends, do they all? Is your plan to live off the dividends and if so is it working well?

How often do you liquidate one stock and go for another?

 

[CyclingInvestor]

I know most of these pay dividends, do they all? Is your plan to live off the dividends and if so is it working well?

How often do you liquidate one stock and go for another?

They all have a long history of increasing dividends. I live off them indirectly - most of my assets are in IRAs, so the dividends are more than enough to fund my 72t distributions. These distributions get transferred once per year into my after-tax account, from which I transfer chunks of $$ into my checking account as needed. It is working fine so far.

I track a universe of about 25-30 stocks, and will own 5-20 of them at any moment. I liquidate one position to buy another whenever it becomes over-valued (IMO) compared to the others in my tracking universe that I do not own. Sometimes this can happen quickly (a week or two), but more commonly positions are held for a few months to a few years. I have owned KIM for about 8 years now. I been investing in individual stocks for about 15 years now, and settled on this method about 10 years ago.

 

[Alan]

39.3% Stocks (20% of this is foreign)
49% Bonds
11.7% Cash

 

[freebird5825]

a little over a year ago, I parked my AA at 51/49 right after I FIREd.

I also used M* portfolio analysis tool...current AA is 53/47 with details:
2.28% cash
44.48% bonds (mostly TE mutual funds and some EE and I bonds)
39.21% US stocks
12.76% foreign stocks
0.86% Other

overall portfolio is down 7.87% YTD as of Friday close.
10 yr return holding up at +6.27%.

to clarify the above data:

I have been adding to my TE bond funds thru DCA at a rate of $400 per month to achieve an annual dividend harvest sufficient to pay my annual school/prop tax bill. this way other cities (bond issuers) can pay my city (taxing me). effectively, i am serving as the middleman doing the DCA, receiving dividends and writing the checks out and doing my tax forms. so i sit back and grin at all this higher finance going on and it's all tax free to me.

no further contributions were made to any stock mutual funds since Apr 07, except of course cap gains and dividends generated.

except for continued bond DCA, I am "sitting tight".


FB