Lucantes
Recycles dryer sheets
Currently at 42% but will be increasing soon as moving $400K from cash into Vanguard funds soon.
Very surprised at the fairly low equity allocations. It just dawned on me that I have extremely limited means to rebalance since I only have CDs outside of stocks. I guess I would just let my allocation float down until Cds mature.
No, I didn't include the NPV of my pension in this poll response. As you say, it is a bit like a bond (generates fixed income), but it's also unlike a bond (can't easily sell it to buy additional stocks). But, as I can count on the income stream from my pension to help meet my baseline spending, at does allow me to increase the portion of my portfolio in stocks (i.e. accept more volatility).While I have everyone here, do you consider a pension as bonds in these calculations? It's a fixed income source.
Very surprised at the fairly low equity allocations
Less than 20% as of now. I got spooked about 2 years ago and got very conservative (CDs, Stable Value) waiting for interest rates to rise, and waiting, and waiting...and missed a couple of very good years. Got lots and lots of dry power. Wish I had some of it when GE was trading at $6 etc...
I'm actually surprised that 20% of respondents are over 75% in equities but since the poll does not differentiate between working folks in the accumulation phase, retirees with pensions or people living off their portfolio it's hard to judge the risk/volatility that people are willing to take.
I'm still very early in the accumulation phase so 90/10 on the Roth IRA and 457 self-directed brokerage. If you include "cash" reserves earmarked as emergency funds though, more like 25/75.I'm actually surprised that 20% of respondents are over 75% in equities but since the poll does not differentiate between working folks in the accumulation phase, retirees with pensions or people living off their portfolio it's hard to judge the risk/volatility that people are willing to take.
I'm actually surprised that 20% of respondents are over 75% in equities but since the poll does not differentiate between working folks in the accumulation phase, retirees with pensions or people living off their portfolio it's hard to judge the risk/volatility that people are willing to take.
120% Leverage baby! Eh, no, actually about 60%. I bet the 120%'ers make a lot o money though on this dip.
For AA purposes you should definitely include the PV of pension as FI.
Or at least mention if you have significant pension or annuity income.For AA purposes you should definitely include the PV of pension as FI.
65 years old retired 9 years.