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10-04-2007, 09:14 AM
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#21
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2006
Posts: 12,483
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Quote:
Originally Posted by MasterBlaster
I don't know if I would call that a "good" rule of thumb. Some people subtract their age from 110 or 120 to get their bond allocation. The 100 rule is very conservative.
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So, back in 1999, everyone was 0-10 years old...........
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Consult with your own advisor or representative. My thoughts should not be construed as investment advice. Past performance is no guarantee of future results (love that one).......:)
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10-04-2007, 09:30 AM
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#22
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2005
Location: Chicago
Posts: 12,331
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Quote:
Originally Posted by MasterBlaster
I don't know if I would call that a "good" rule of thumb. Some people subtract their age from 110 or 120 to get their bond allocation. The 100 rule is very conservative.
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And 110 or 120 would be even more conservative (greater allocation to fixed). No?
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"I wasn't born blue blood. I was born blue-collar." John Wort Hannam
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10-04-2007, 09:35 AM
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#23
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Thinks s/he gets paid by the post
Join Date: Jun 2005
Posts: 4,391
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Parden my mis-articulation. It should have read ...
Some people subtract their age from 110 or 120 to get their stock allocation.
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10-04-2007, 09:42 AM
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#24
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2005
Location: Chicago
Posts: 12,331
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Quote:
Originally Posted by MasterBlaster
Parden my mis-articulation. It should have read ...
Some people subtract their age from 110 or 120 to get their stock allocation.
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No problem. Personally, I never have a problem with mis-articulation. I just screw up what I say.
__________________
"I wasn't born blue blood. I was born blue-collar." John Wort Hannam
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10-04-2007, 06:53 PM
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#25
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Thinks s/he gets paid by the post
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,437
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Another way to determine bond allocation is to start with a percentage to your age and adjust it relative to your risk tolerance. For example, if your are 40 years of age, your initial bond allocation is 40%. Add or subtract to/from the 40% based on your risk tolerance.
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10-04-2007, 07:28 PM
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#26
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Recycles dryer sheets
Join Date: Jul 2007
Location: East Bay CA/Long Island NY
Posts: 167
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Quote:
Originally Posted by Spanky
Another way to determine bond allocation is to start with a percentage to your age and adjust it relative to your risk tolerance. For example, if your are 40 years of age, your initial bond allocation is 40%. Add or subtract to/from the 40% based on your risk tolerance.
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All being said, the right percentage of equity investment in one's portfolio is where one can feel comfortable with and be able to sleep at night. There really isn't a single correct answer to achieving the endgoal.
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