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Old 06-16-2016, 08:29 AM   #81
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Originally Posted by frayne View Post
Interesting read that kind of dovetails into this thread.
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Well, from reading the responses here, I couldn't disagree with the author more. I think what he was *trying* to say was, "it's best to diversify" but it took him 2 pages to do so...
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Old 06-17-2016, 04:59 AM   #82
Full time employment: Posting here.
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Join Date: May 2007
Posts: 769
Retired 3 yrs ago at 60. No pension.
Equities - 50% (20% of which is International)
Bonds - 50% (45% of which is short-term investment grade)
"It is better to have a permanent income than to be fascinating". Oscar Wilde
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Old 06-17-2016, 07:14 AM   #83
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Location: Naples
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I'm jumping in to add my two cents worth. In my 28th year of retirement and will turn 80 in September. I have a non-COLA'd pension plus social security that has covered my monthly expenses since I retired in 1988. Company also paid monthly equivalent of SS until I reached 62 and then reduced pension by that amount. Fidelity managed everything for my company until I left them in 2014 and moved all investments to Vanguard. I'm in Vanguard Wellesley (VWIAX and VWINX). Target allocation is 30/65/5 and actually is 35/65 as we speak. We just received the quarterly dividend which gives us a 2.95% return based only on the dividend. I did a calculation some time back and I figure Wellesley has returned about 7.5% overall since I joined the fund. I was in a lot of CD's until the bottom fell out, got sick of that and moved everything into Wellesley. I'm happy.
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Old 06-25-2016, 09:45 AM   #84
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Retired at 49 four years ago; now 53. DW and I both have DB pensions that will commence at age 60 which will more than cover total household expenses/taxes.

80% Equities
10% Bonds
10% Cash (5+ years expenses)
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Old 06-25-2016, 09:54 AM   #85
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Retired at age 46 two years ago and LBYM in a low COL area. Only pension will be SS.

25% Equities - Qualified dividends cover routine and amortized expenses and div growth is exceeding inflation.
75% Fixed Income - mostly 401k Stable Value Fund plus some individual 'AA' rated corporate bonds and a 5yr 3.5% MYGA.
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