What is your age and your AA for your nest egg?

[jollystomper]

64 (me) 65 (DW), currently at 33/55/12 stocks/bonds/cash. Have a pension + DW SS that cover a lot of our expenses, so only have to draw a little from cash. In theory we could be more aggressive, but for now this suits us fine.

[fvfire]

56 and 80/20.

[Major Tom]

I'm 59, and my target equity allocation is somewhere in the region of 75%. With the recent drop in the market, it is currently at 64%. I'm fine with that. The only rebalancing I have done since retiring 10-12 years ago has been as a side-product of selling equities to generate income to fund my living expenses. That worked quite well in the long bear market. I'm also fine with a wide variation in my AA, so don't anticipate performing a transaction purely for the purpose of rebalancing in the near to mid-term future. We'll see.

[JackJester]

This should be a pole somehow. I'd like to see the AA for varying ages of those on this E-R forum. And someone can plot out a graph that might yield something of interest. For me its 80-20 at age 55. But right now any extra cent I get I flow into my Schwab MM SWVXX at 4.27%, so thats's moving me more towards 70-30.

[COcheesehead]

All of this means nothing without other context.

[CincyDave]

65 yo 70/30

[jazz4cash]

Quote:

Originally Posted by COcheesehead All of this means nothing without other context.

Yup. Especially ratio of secure income to expenses. 67…70/30 ish. 60% secure income.

[COcheesehead]

Quote:

Originally Posted by jazz4cash Yup. Especially ratio of secure income to expenses. 67…70/30 ish. 60% secure income.

Exactly.

[swakyaby]

Age 61
Equities/bonds/cash is 60/35/5

[Midpack]

68 & 66, see sig line for target AA. But I don’t think AA correlates to age alone (confirmed in replies above), depends on risk tolerance, understanding of various asset classes, interest in managing investments and most of all - whether ‘you’ve already won the game or not.’

[Spock]

Age 61 and 63. 0% stocks. 90% bonds/cash. 10% commodities. No pensions. Involuntary early retirement/"lean" FIRE.

[bclover]

Quote:

Originally Posted by Car-Guy Good luck with that!

Lol, kids....the gift that keeps on giving 🤣. I can't complain though, my parents bailed me out a time or two

[bclover]

Age 62
60/40
Except two years living cost, in stacked cds

[enjoyinglife102]

Agree about the importance of the context.

64 years old with 30-60-10 allocation. No desired legacy to consider so goal is to say goodbye to planet earth with zero. Most important priority is to avoid any drastic portfolio fluctuations which could alter plans for enjoying the healthy years I have now that are not guaranteed to anybody forever.

[racy]

70 yrs old. 63% equities, 28% bonds, 6% RE debt, 3% cash.
Equites consist mostly of Life Strategy Growth and Wellesley.
Context: some income, mostly legacy.

[Plantman]

I'm 66, DW 71. We're around 80/20.

[Car-Guy]

Quote:

Originally Posted by bclover Lol, kids....the gift that keeps on giving 🤣. I can't complain though, my parents bailed me out a time or two

I really should be able to claim mine as a dependent on my tax return.

[Dawg52]

Age 68
20/80 but the 80 includes not only bonds but RE, deferred fixed annuities, cd's, gold etc...
See signature.

[Toast]

Equities/bonds/cash

45/30/25

age 54 (DH) 53 (me)

Our social security, even if reduced in the future, along with 3 COLA’d pensions will cover our annual expenses 3 fold so we tend to be more conservative with our investments.

[audreyh1]

When I was working, I was almost 100% equities.

When I retired early just before 40 I set up a retirement fund about 60/40.

Now 23 years later, age 63, my retirement assets are around 50/50.

Stil living on investments alone.