Three questions for you veterans (of this forum)

[frayne]

60/40, equities/fixed, 90% of equities in no load index funds, majority in FIDOs S&P index fund, .07 exp. ratio.

Usually rebalance once a year around the middle of Jan.

61 years old and retired now for seven years.

[MichaelB]

Quote:

Originally Posted by jime444 Just getting my feet wet on the forum; it's good and learning quite a bit, so far. Gotten through about 5 books on the recommended list. Three questions: 1. What's your asset allocation? 2. So you plan to modify as you and/or your significant other get older? 3. Time to retirement? or, retired, how long? Thanks in advance. I'm now almost "chomping at the bit" for FIRE. Jim

1. My asset allocation is 40% equities, 50% fixed income and 10% cash
2. I expect to substantially shift fixed income to equities
3. I retired 12 years ago

[WilliamG]

Quote:

Originally Posted by MichaelB 1. My asset allocation is 40% equities, 50% fixed income and 10% cash 2. I expect to substantially shift fixed income to equities 3. I retired 12 years ago

! Not the usual retiree direction. Is this a tactical move you're planning?

[Cb]

Ages 51 & 52

70% stock (1/2 Int'l), 10% CCF, 20% TBM

I retired 6 years ago, wife retired yesterday w/ HC bennies

I'd plannd to shift another 20% to FI upon her retirement, but can't bring myself to do that after reading Warren Buffet's "return-free risk" column a few months back.

Non-indexed pension starts in 8 years, followed by SSI eligibility which should cover the non-discretionary (50%) part of our projected budget.

Cb

[Keim]

I am 40. Wife is 41. I work part time due to a medical issue, and desire to have a parent home for the kids after school. Wife works full time.
1. 80% equity. 20% bonds, all in an index portfolio.
2. We plan to get closer to the age in bonds rule as we near retirement.
3. Hope to retire when the 8 year old graduates college. About 15 years. Sooner if the market allows!

You didn't ask, but I am also completely debt free, including the house.

[rescueme]

Quote:

Originally Posted by lemming I can't believe you are all being so nice and giving him an executive summary.

We all lie ...

[Nords]

Quote:

Originally Posted by lemming I can't believe you are all being so nice and giving him an executive summary. Everyone shares that info but I don't see how he has learned anything on his own if he hasn't seen that already.

Yeah, well, when I chew out posters for not doing their homework I get called a curmudgeon.

In general, new posters on this board do not read old posts, do not search for keywords on popular topics, and are surprised to learn that somebody else has already asked their questions. I suspect it's been this way on every BBS discussion board since ARPANET first went live and one of the engineers had a question about logging in...

[Keim]

Quote:

Originally Posted by Nords Yeah, well, when I chew out posters for not doing their homework I get called a curmudgeon. In general, new posters on this board do not read old posts, do not search for keywords on popular topics, and are surprised to learn that somebody else has already asked their questions. I suspect it's been this way on every BBS discussion board since ARPANET first went live and one of the engineers had a question about logging in...

It goes further back than that, Nords. Think cave drawings. Lots of them are very similar, aren't they?

Mbunga, me want make fire. How you do?

[plex]

1) 90/0/10. Switching to 70/20/10 in two years.
2) Yes, to a degree. Median portfolio will be 70/20/10, but after a long bull it would be something like 40/50/10. After a long drop and with the first hint of recovery, 90/0/10.
3) 2020

[M Paquette]

Quote:

Originally Posted by Keim Mbunga, me want make fire. How you do?

"Easy. Wait for thunderstorm. Take big stick to mountaintop, hold high...

Noobs..."

[Rowdy]

1. What's your asset allocation?
80/15/5 (stock/bond {int}/REIT).

2. Do you plan to modify as you and/or your significant other get older?
Plan to increase bond allocation ~2% each year until retirement in ~9 years. That will result in 60/35/5 (stock/bond/REIT). Bonds are currently all intermediate term; will start to mix in short term so that at the 35% allocation I'll have 1/2 intermediate and 1/2 short term. I'll likely hold this for some time after retirement.

3. Time to retirement? or, retired, how long?
2021 or sooner; already put my retirement date in my w*rk Outlook calendar for 59 1/2!

I consider my military retirement (in 9 years) to be similar to a fixed income bond investment. Therefore my reasoning is that I can take some extra risk with stocks.

[jime444]

lemming/Nords,
Even being a newbie, I did do a little homework and searching the forum; what I found I wanted to re-confirm with the senior members. AA is a little like asking how many stars there are in the heavens, even the financial experts don't agree. Though, there seems to be a minor consensus near the 60% equity range.

Personally, I am currently at 70/25/5 and about 3-5 years out from FIRE. I think I'll reduce my eguity exposure to approximately 110-my age at retirement and then rebalance once each year and bump my short term monies a little bit. I like to have a financial rule; that keeps me from chasing the market, I tend to be a bit unlucky doing that. I'm also a bit conservative, so I may keep a couple of years cash on hand. Yes, I know, it won't make my any income. But, I need some type of a binky and thats it, unless someone can change my mind.

Thanks everyone for their input.

[Dawg52]

1) 25/75
2) Will vary, but doubt I will become more aggressive.
3) Retired in 2007 at the age of 52.

[jkern]

1) ballpark 25% stocks, 25% bonds, 25% cash, 25% rental real eastate
2) will change AA in the future, no sure what to though
3) retired 3 years ago at age 51.

[vttlarry]

Hi and welcome.

1. Give or take, 75% equity funds and 25% bond fund.
2. Most certainly.
3. Will be 60 in October and I retired in September 2011. Wife will be 58 in October and just retired in June 2012. 401k and 2 smaller pots are essentially extras for us, meaning not needed to make daily living expenses (hence being a little more aggressive in funds; that and our age). Plus, liquid savings account could meet monthly expenses for 2 years.

I have a pension that meets our spending needs and full family medical from employer.

[ShokWaveRider]

• 100% Cash/Fixed Income
• Not till things change in the country from a financial perspective
• Retired in 2003, worked from Home since 2006, DW works full time (for Healthcare). Ages: 58/53 Respectively.

Planning on retiring for good soon. Still woried about inclome though. Even though we own our home Annual expenses still top $25k for essentials. Will start another thread for some advise. And Yes we are scared stiff of losing ANY capital, so Wuss' would be an understatement.

SWR

[Danmar]

1)About 60/35/5 But the 35% fixed income is the NPV of my pension.
2) Probably not
3) Almost 6 years aged 62

[dmdunca44]

Target AA is 50/50 but right now it's 45/55/5
I do plan to go more conservative as we age
In our 5th year of retirement

[panhead]

Welcome to the board.
Hmmm, let's see....

1) I'm somewhere around 60/40
2) I might go a bit more conservative (maybe to 50/50) but I'm happy where I'm at right now.
3) Had about a 25 month "sabbatical" which started in june of 2009, but working full time right now. 42 yo, would like to pull plug in 2015 after all the ppaca stuff settles out.

[Mulligan]

10% equities ,60% CDs, 30% Ibonds
Continuing to add to portfolio even though retired. I live on a pension that more than covers my needs, thus the very conservative set up. Thinking about dumping 30k into a local bank I read that offers the 3% high interest checking by jumping through the hoops. Yes, I have a taste for the low hanging fruit but thats $900 easy money!