I'll Show You Mine If You Show Me Yours

[haha]

I remember people unsuccessfully trying to get ***** to give his allocation. In the spirit of show and tell, here is mine.

Cash: 40%
Bonds 7%
REITs 3%
US Stock 25%
Energy 13%
Gold Stks 3%
Japanese Eq 4%
Euro Equity 4%
QQQ LEAP Puts 1%

The bonds are mostly I bonds, or bonds with duration <= 3 years. One bond is long term, with an equity kicker.
The cash is short CDs, and taxable and municipal MM funds.
Energy is a royalty trust, a limited partnership, a driller and a Canadian oil sands producer.
Gold is Canadian exploration cos.
Japan is several property and casualty cos.
Europe is a bank and a consumer products company.
US Stocks are assorted consumer, bank, and utility cos.

I have gains in all equity categories except gold and puts. I have a small unrealized loss in puts, and some booked loss in expired puts. The puts were started to hedge what was formerly a bigger equity portfolio. I have gradually sold US stocks, and now the puts are mainly speculative.

I may sell more US stock, buy more energy. The rest is a pat hand for now.

Sorry, but I can't seem to figure out how to format this in columns. Maybe I need a little more cognac.

Mikey

 

[rsboone]

Here's mine -

Corporate Bonds - 34%
Large Cap Value Index - 9%
Large Cap Growth Index - 9%
Small Cap Value Index - 9%
Small Cap Growth Index - 9%
Individual Stocks - 17%
Vanguard Energy Fund - 5%
REITs - 8%
Cash - 1%

I'm ahead on everything (as of right now, could change in an instant).

The individual stocks are my hobby stocks. I plan to pare that portion down to 10% and increase REITS to 10% and put the rest in cash.

 

[John Galt]

Okay, one more time (I think this is the same as before)

Real estate (improved and raw land) 50%
Long term gov. backed bonds 15%
High Yield corp. bond fund 15%
Long term (callable) corp. notes 20%

John Galt

 

[unclemick]

Income:
1. Defined Pension non cola
2. DRIP stocks(Norwegian widow - utlities,REITs,banks,telephone,oil,drugs,etc).

Reserve:
3. SS (one year and counting)
4. IRA in Balanced index with REIT index kicker(DeGaul).

Age - almost 61 (ER'd 1993)

15% - dividend stocks
10% - Vanguard REIT Index
75% - Vanguard Lifestrategy mod (quasi 60/40 balanced index).

 

[Cut-Throat]

Not Bashful here! 8)

Stock/Bond, Cash - 60% /40%


Large Cap 500 Index..........15%
Large Cap Value................15%
Small Cap Value................12%
Tot. Intl Index...................3%
Europeon Index..................3%
Pacific Index......................3%
Emerging Mkt.....................3%
REIT Index........................6%

TIPS...............................12%
short term corp Bond.........18%
Dodge and Cox Income........8%
Cash................................2%

 

[gayl]

I'll bite:

• 87.4% 'general account' in 457 paying 5.5%
• 1.8% MVALX - mid-cap value
• 6.2% OAKBX - balanced fund
• 4.5% SWTIX - total stock market index
• also:
  • misc EE/I bonds
  • savings acct at credit union = 6 months living expenses & adding to it monthly. No idea why, old habits die hard.

Don't count: CA home free & clear bought in 1979, jewelry, art, cars, bike {1985 Honda}

Gains in all

 

[wabmester]

I just sold some real estate, so I have some cash that's looking for a home.  My interim allocation is:

bonds 46%
stock 24%
real assets 16%
cash 14%

I categorize longer-term CDs as bonds.   There are TIPS, junk bonds, short-term + intermediate-term corp, and munis in there too.

I exclude a charitiable remainder trust I established (pays me income, charity gets what's left over) that if included would increase my stock allocation to 29%.

Stock is about 30% individual US, 30% total US market, 25% international (EPP + EWJ + total intl), 15% energy/health sectors.

Real assets are 90% income/investment property, 10% gold coins (doomsday stash).

 

[panhead]

Geez, gayl, another biker (Ok, I'll let you have the title even though it is rice !! ) Cool.

My allocation is pretty irrelevant here, as I am still a
working stiff, but in case anybody gives a $%#&:

VFINX 95%
CASH 5%

I know, too damn simple and too damn risky especially
at todays PEs (where is ***** ....). Anyway, I just paid
off my house as well, and hey, I don't mind the ride.
I had a couple of Janus funds I just sold to pay off
the house, they had some losses I'm using to counter
some cap gains I got on the sale of my last companies
stock.
Anyway, I'm about 2 years till a reasonable non-working ER is a possibility, but if something drastic happens, I would probably try it alot sooner (with side work, ala ESRBob).

-pan-

 

[azanon]

18% Aggressive Growth (LC Growth - USAUX) - Roth
13% Large-Cap International Growth (USIFX) - Roth
11% Utilities Sector Fund (BULIX) - Taxable
12% Wilshire 4500 Index (S Fund TSP) - ~Traditional
10% Mid-Cap A. Growth (TWCVX) - Roth
10% S&P 500 Index (C Fund TSP) - ~Traditional
10% EAFE Index (I fund TSP) - ~Traditional
 9% Short-Term US Treasuries (G Fund TSP) - ~Trad
 4% Money Market Mutual Fund (JAMXX) - Taxable
3% Large-Cap Value (BEQGX) - Traditional IRA

Portfolio above:  $68,000
Net Worth: $102,000

Azanon

Comments:  I'm 32, so i'm relatively agressive, and a long term ER wanna-be.  Generally speaking I think small-caps, and value have had their short term fun, so I have recently emphasized growth, and Larger cap stock.  I also think Utilities has been a neglicted sector that is coming back into favor so i plan on putting a lot of money there.  I am avoiding bonds for the short term, and using other options to mitigate risk atm.

 

[dante60093]

Maybe it is too presumptuous for me to think that people will reveal the size of their portfolio, not just the allocation of their portfolio, but here is mine: A little more than $1M with 67% in cash (money market funds), 30% in various equities and mutual funds and 3% in bonds.

Perhaps just giving a range might work for the reticent ones - $1.0-1.5M or $1-2M. Whichever works.

Dante

 

[Cut-Throat]

Perhaps just giving a range might work for the reticent ones

I'm between $10K - 100 Million

 

[Martha]

I read not long ago that the ultimate forbidden topic of discussion in the United States is the amount of money you make and how much money you have.

People would rather talk about anything else, politics, religion, sex problems, marriage problems, bodily functions, what have you.

Martha

 

[wabmester]

More talk about bodily functions -- just what we need.

My rule of thumb is to not disclose anything on the net that I wouldn't disclose to, say, a neighbor.    Two reasons:  1) your neighbor may login here and say "Zeke, is that you?"  and 2) the internet isn't nearly as anonymous as some would like to believe.

 

[azanon]

I read not long ago that the ultimate forbidden topic of discussion in the United States is the amount of money you make and how much money you have.

Everyone at the place i work knows what I make whether i like it or not.  I'm a GS-12/3 federal employee.  As for how much i have, well i normally dont share in person because there's really no way or opportunity for that to do me any favors.  As for typing it here, you guys know me by my Everquest name (hehe), so i'm not particularily concerned.  I'm anonymous enough.

Probably the worst that can happen if somone finds out you have a lot of $$ is they might ask you for loans, and stuff. Problem with that is, that defeats the purpose of how we got that way .

 

[charlie]

My wife's IRA and our after tax money are in Target
Retirement 2025. This is about 1/3 of our total and
is money we wont touch for at least 7 more years if
the creeks don't rise.

The other 2/3 is in my IRA that has 30% in Short Term
Corporate, 10% TIPS and 60% equally divided among
Large Cap Index, Value Index, Small Cap Index, Small
Cap Value and the REIT fund. I am currently withdrawing about 6% of the IRA (or 4% of the total).

Cheers,

Charlie

 

[charlie]

I overlooked 10% in Total International in my IRA.

Charlie

 

[Jane]

Age: 30

45% Canadian equities (index & mutual funds)
20% US equities (index funds)
10% International equities (mutual funds)
15% Bonds (mutual funds)
10% GIC (CD)

+ cash in savings account.

Jane

 

[haha]

45% Canadian equities (index  & mutual funds)

Jane, this is interesting. Are you Canadian, or do you just see greater value up there?

Mikey

 

[Jane]

I am Canadian and since this is registered retirement saving I have to cap my "foreign" investment to only 30%.

Jane

 

[haha]

It is interesting to me how many of you invest almost solely in mutual funds of various sorts. Even at Vanguard cost levels it would probably be cheaper for many to do their own stock picking, at least in US stocks and bonds. 0.2% of $1.5 mil is still $3000. Cheap if you had to buy a manager, but expensive compared to the Wall St. Journal online and whatever else you might need to do your own management. And then you have more control with regard to realization of capital gains, offsetting losses, etc.

Another way to look at it is that at a generous 4% SWR, that 0.2% rock bottom cost is still 5% of your allowable draw.

Management takes some time, but judging by the number of posts that many of us make, it doesn't seem that finding time would be much trouble.

Mikey

 

[John Galt]

Well, Mikey, finding time would mean trouble for me.
Take today for example. I was very busy all day and
don't feel like I accomplished much. Plus, as you can see, my investments (except for real estate) require
almost no attention at all. I think it's my "Type A"
genes. I not only never get done, I can never see
the end. I am hardwired to fret over projects and chores
undone, and then to add to my to-do list.
It's a curse.

John Galt

 

[Cut-Throat]

It is interesting to me how many of you invest almost solely in mutual funds of various sorts. Even at Vanguard cost levels it would probably be cheaper for many to do their own stock picking, at least in US stocks and bonds. 0.2% of $1.5 mil is still $3000. Cheap if you had to buy a manager, but expensive compared to the Wall St. Journal online and whatever else you might need to do your own management.  And then you have more control with regard to realization of capital gains, offsetting losses, etc.

Another way to look at it is that at a generous 4% SWR, that 0.2% rock bottom cost is still 5% of your allowable draw.

Management  takes some time, but judging by the number of posts that many of us make, it doesn't seem that finding time would be much trouble.

Mikey

Mikey,

Been there done that! - I am a lousy stock picker! - Guess what - Most pros are too! Why should I think I can beat the index funds, if the pros can't?

I take it you have not read the 4 pillars of investing?

 

[Jane]

Management  takes some time, but judging by the number of posts that many of us make, it doesn't seem that finding time would be much trouble.

Mikey

Yeah I guess we are a bunch of slackers!

My portfolio is still small and thus I think it is better for me to invest in index funds and low cost, no load mutual funds for the sake of diversification. Also, I am not yet confident of my stock picking ability (I do have a hypothetical stock portfolio that I followed to see how much I may have lost/made).

When my portfolio is bigger, I probably would dabble in stocks.

Jane

 

[John Galt]

Hi Jane! Tracking a "phantom" portfolio to see
how much you might have "lost/made" ?? That's a little scary. I suggest you buy a dog or join a bowling league.

John Galt

 

[Bob_Smith]

Here's where I am as of 6/30/2004:

STOCKS - 34%
80% Vang TSM
20% Vang International Growth

BONDS - 52%
69% - TIPS (all individual bonds - no mutual funds)
16% - Penfed CDs (consider these a proxy for bonds)
15% - Vang ST Corp

CASH - 14%

This doesn't count cash I have set aside to buy a house (soon) that will be worth more than my present house, nor does it count funds set aside for my youngest to attend college the next four years - I consider that money spent. My target allocation for stocks is 40%, so I do plan to rebalance. I also plan to add a small dose of REITs. That will bring my cash balance down.