What is your age and AA?

[lswswein]

nearing 30, single and renting!
Asset Allocation:
Stocks
15% - US Total Mkt
10% - US Small Value
15% - EAFE
10% - Foreign Mid/Small Value - TBGVX - Hedged(exploring alternatives)
10% - EM

Alternative Asset Classes - still equity like
10% - REIT Idx
10% - Berkshire Hathaway
5% - Commodities

Bonds
5% - TIPs
5% - Intermediate Bond
5% - Short Term Bonds

-h

 

[chinaco]

Working - age 50

Stock: 70% (Domestic LC, MC, SC, International, REIT) Mutual Funds mainly
Bond: 28% ( 23% ITB, 5%TIPS, 2% LTB) Mutual Funds
Cash: 2% Mutual Fund

Target Retirement - Age 55

Stock: 60% (goal move a little more into international, REIT, and SC)
Bond: 30%
Cash: 10%

Not including home equity (intend to have mortgage paid off), pension (small non cola start @ 55), or SS in the above.

The way I will manage the finances/allocation is a bit more complicated than listed. But as we age, we will get more conservative (i.e., more in bonds). This will partly be due to the fact that as we spend down the portfolio, near term money will be in bonds or cash. Essentially, the 30/10 @ 55 will be spent during the decade of 55-65. The 60% Stock will be rebalance and allocated for decades 65-75, 75-85, 85-the end (maybe longer than 10 years).

 

[kaudrey]

38, single.

68% various classes of US stocks (inc. REITS)
20% foreign (inc. emerging mkts)
7% bonds
5% cash - e-fund

Karen

 

[Achiever51]

I'm 56 and retired as of 12/31/06, DH is 60 and self-employed.

AA in IRA is:
60% equities (VTSAX, VGTSX & VDEQX)
40% bonds (VBTLX)
plus holding about 3 years expenses in cash equivalent accts.

(Used to be a market timing, stock picking, slice-and-dicer...IRA now fully invested in Vanguard -- sleeping much better at night!)

 

[jerryo]

Age 57
retire in 2 years

AA (excluding home equity)

cash 16%
bonds 17%
stocks 67%
(43% individual/57% funds)

AA (including home equity)

cash 13%
bonds 13%
stocks 51%
real estate (home equity) 24%

 

[garrynky]

59 in a few months, retiring at the end of the year. Still working on the allocation but the plan is around a 50/50 mix.

 

[SLC Tortfeasor]

30 years old. According to Vanguard, my asset allocation is:

short term reserves: 2.1%
bonds: 2.5%
large U.S. stocks: 45.0%
mid/small U.S. stocks: 35.4%
international stocks: 15%

 

[brewer12345]

Age 33. 15% cash and CDs, balance is almost all individual equities. About 1/3 of the stocks are international, and all are small and mid cap.

 

[LOL!]

Ages 49 & 50

 

[jIMOh]

age 34, wife is 33

allocation is

100% equity

75% domestic equity
25% international equity

Domestic is
45% large cap
15% mid cap
15% small cap

International is
15% large cap
10% small cap/ emerging market

funds:
large cap PRFDX (Roth), PRWCX (Roth), VFINX (401k), VWNFX (401k), RGAEX (401k), ACGIX (401k)
mid cap RPMGX (Roth), VEXMX (401k), SSVSX (401k)
small cap PRNHX (Roth), VEXPX (401k), RYTFX (401k),
international large cap TRIGX (Roth), VTRIX (401k), REREX (401k) TROSX (Rollover)
international small cap PRIDX (Roth)

each 401k is 75-25, and more or less the 45-15-15-25 allocation.
The Roth is 45-15-15-15-10

 

[calmloki]

60.3% rental property
20% cash ~7 years pretax living expenses at current spending level
9.2% in secured real estate loans making 7-10%
7.5% personal home
3% stocks and bonds

 

[baldeagle]

We both are 62 and retired about 2 years ago.

85% is in IRAs.

AA = 60/40
The 60 is 45/15 US/Intl
The 40 is 30/10 bonds/MM

US Stocks are all Vanguard index funds
LB = 12% of total portfolio
LV = 12%
SB = 7%
SV = 8%
REIT = 6%

International stocks
Vanguard active funds (equally LG and LV) with a bit of DLS small value thrown in.

Bonds
75%Vanguard Total Bond Index and 25% preferred stocks.

 

[clifp]

47 retired since I was 39

Cash 5%
Bonds 30%
International 10% (ETFs)
Large Cap 29% (ETF/Funds 8% Intel, Berkshire biggest holdings)
Small/MId 24% (ETF/Funds 12%)
Angel Investing 2% (Tax shelter)

 

[Alan]

age 52 (plan to retire at 55 with pension).

All investments in MFs in FIDO, VG and 401(k)

Stocks 40% (75% domestic, 15% International)

Bonds 55% (70% Corporate all Medium - High risk, 15% Municipal, 15% I-Bonds)

Cash 5%

 

[YVR-Terri]

Age 28, working

20% cash
60% equities (split equally between small and large cap)
20% other / higher risk (includes health venture capital funds and resource limited partnerships)

This excludes home equity which is about 65% of my net worth at present.

 

[MooreBonds]

Age 30
Slaving away, on course to FI - unsure when I'll add the RE (depends on future wife + family )

5.7% Cash/Cash Equivalents
34.6% Bonds/"Fixed Income"
59.0% Equity
0.7% Trees

Bonds:
5.9% Municipal
0.8% Bond portion of mutual funds (probably more, but I just threw it in here)
8.6% CDs/I-Bonds
0.8% Fixed-rate annuities
18.5% Preferred stocks/closed-end bond funds (variable and fixed)

Equity:
20.2% US Individual Stocks/funds
7.5% REITs/Utilities
2.9% Donor-Advised Fund equities
20.3% International Individual Stocks/funds
8.0% Natural Resources (mostly oil, some copper)

Will be adding more to International/Domestic Stock as I accumulate some cash, but would ideally like to get together with a few other investors to purchase commercial real estate.

 

[tryan]

45, retired 2 years.

75% real estate
25% equities

(excludes a small pension and SS which hopefully will pay-out in ~20 years. :)

 

[2soon2tell]

Age 60 - Retired
75 Stock
25 FI

 

[bbbamI]

49 & 53

As of this moment....50% stock (large, mid, international) 40% bond 10% cash

 

[genghis]

44 years old

75% Stock (50-50 US/Intl emphasis on small/mid and value)
14% Bonds (short term)
11% Cash, CD, MM (to cover a 3 year market collapse)

20% nontaxable (IRA and 401K)
80% taxable

 

[rmark]

46, wifes 44

About 1/3 each Vanguard U.S. stock idex, Vanguard International stock index, Tiaa-cref Real Estate + wifes fixed pension at retirement.

 

[unclemick]

widower, 63. 14th year of ER.

65,32,3 stocks,bonds,cash - 85% Target Retirement 2015, 15% individual stock or Drip plans.

Early SS and non cola pension provide 40% of income at throttle up and estimate that plus current yield could cover 100% easily in throttle back mode.

heh heh heh - 8)

 

[Corporateburnout]

53 DW 54

working hopefully for 3 more years

65 % equities (33% domestic large cap, 11% international, 20% mid/small cap)
24% bonds
11% cash

80% tax advantaged

 

[Spanky]

Age: 54, married, 2 teenagers
stock 46.43%
bond 20.04%
cash 33.53%

Working ....until

 

[rmh]

55 and 55

20, 20, 20, 20, 20% - Large cap, mid cap, small cap, int. nat'l, bonds 80% index funds, 20% play