Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 01-24-2023, 08:15 PM   #21
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
jollystomper's Avatar
 
Join Date: Apr 2012
Posts: 5,072
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.
__________________
FIREd date: June 26, 2018 - "This Happy Feeling, Going Round and Round!" (GQ)
jollystomper is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 01-24-2023, 08:18 PM   #22
Dryer sheet aficionado
 
Join Date: Jan 2018
Location: Front Range
Posts: 27
56 and 80/20.
fvfire is offline   Reply With Quote
Old 01-24-2023, 09:08 PM   #23
Thinks s/he gets paid by the post
Major Tom's Avatar
 
Join Date: Nov 2009
Location: SF East Bay
Posts: 4,082
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.
__________________
Contentedly ER, with 3 furry friends (now, sadly, 1).
Planning my escape to the wide open spaces in my campervan (with my remaining kitty, of course!)
On a mission to become the world's second most boring man.

Major Tom is offline   Reply With Quote
Old 01-24-2023, 09:38 PM   #24
Recycles dryer sheets
 
Join Date: Jul 2016
Location: Issaquah
Posts: 100
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.
JackJester is offline   Reply With Quote
Old 01-24-2023, 10:13 PM   #25
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2016
Posts: 6,312
All of this means nothing without other context.
COcheesehead is offline   Reply With Quote
Old 01-24-2023, 10:17 PM   #26
Recycles dryer sheets
 
Join Date: Jun 2017
Location: Cincinnati
Posts: 340
65 yo 70/30
CincyDave is offline   Reply With Quote
Old 01-24-2023, 10:17 PM   #27
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Aug 2004
Location: Laurel, MD
Posts: 7,283
Quote:
Originally Posted by COcheesehead View Post
All of this means nothing without other context.


Yup. Especially ratio of secure income to expenses. 6770/30 ish. 60% secure income.
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
jazz4cash is online now   Reply With Quote
Old 01-24-2023, 10:22 PM   #28
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2016
Posts: 6,312
Quote:
Originally Posted by jazz4cash View Post
Yup. Especially ratio of secure income to expenses. 6770/30 ish. 60% secure income.
Exactly.
COcheesehead is offline   Reply With Quote
Old 01-25-2023, 01:37 AM   #29
Full time employment: Posting here.
swakyaby's Avatar
 
Join Date: Feb 2011
Location: central California
Posts: 984
Age 61
Equities/bonds/cash is 60/35/5
swakyaby is offline   Reply With Quote
Old 01-25-2023, 04:09 AM   #30
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: NC
Posts: 19,166
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.’
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 50% equity funds / 40% bonds / 10% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
Midpack is online now   Reply With Quote
Old 01-25-2023, 05:16 AM   #31
Thinks s/he gets paid by the post
 
Join Date: Jun 2016
Posts: 1,542
Age 61 and 63. 0% stocks. 90% bonds/cash. 10% commodities. No pensions. Involuntary early retirement/"lean" FIRE.
Spock is offline   Reply With Quote
Old 01-25-2023, 06:59 AM   #32
Thinks s/he gets paid by the post
bclover's Avatar
 
Join Date: Mar 2015
Location: philly
Posts: 1,214
Quote:
Originally Posted by Car-Guy View Post
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 is offline   Reply With Quote
Old 01-25-2023, 07:00 AM   #33
Thinks s/he gets paid by the post
bclover's Avatar
 
Join Date: Mar 2015
Location: philly
Posts: 1,214
Age 62
60/40
Except two years living cost, in stacked cds
__________________
My darling girl, when are you going to realize that being "normal" is not necessarily a virtue? it sometimes rather denotes a lack of courage~Aunt Francis
bclover is offline   Reply With Quote
Old 01-25-2023, 07:06 AM   #34
Recycles dryer sheets
 
Join Date: Jan 2013
Posts: 146
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.
enjoyinglife102 is offline   Reply With Quote
Old 01-25-2023, 07:09 AM   #35
Full time employment: Posting here.
racy's Avatar
 
Join Date: May 2007
Posts: 834
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.
__________________
"It is better to have a permanent income than to be fascinating". Oscar Wilde
racy is offline   Reply With Quote
Old 01-25-2023, 07:16 AM   #36
Recycles dryer sheets
 
Join Date: Feb 2017
Posts: 154
I'm 66, DW 71. We're around 80/20.
Plantman is offline   Reply With Quote
Old 01-25-2023, 07:39 AM   #37
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Car-Guy's Avatar
 
Join Date: Aug 2013
Location: Back in the Dog House
Posts: 8,549
Quote:
Originally Posted by bclover View Post
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.
__________________
I don't know how to act my age since I've never been this old before.
Car-Guy is offline   Reply With Quote
Old 01-25-2023, 08:23 AM   #38
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Dawg52's Avatar
 
Join Date: Feb 2005
Location: Central MS/Orange Beach, AL
Posts: 8,915
Age 68
20/80 but the 80 includes not only bonds but RE, deferred fixed annuities, cd's, gold etc...
See signature.
__________________
Retired 3/31/2007@52
Investing style: Full time wuss.
Dawg52 is offline   Reply With Quote
Old 01-25-2023, 08:30 AM   #39
Full time employment: Posting here.
Toast's Avatar
 
Join Date: Jan 2021
Location: undisclosed
Posts: 565
Equities/bonds/cash

45/30/25

age 54 (DH) 53 (me)

Our social security, even if reduced in the future, along with 3 COLAd pensions will cover our annual expenses 3 fold so we tend to be more conservative with our investments.
Toast is offline   Reply With Quote
Old 01-25-2023, 08:39 AM   #40
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 34,005
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.
__________________
Retired since summer 1999.
audreyh1 is online now   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 2 (1 members and 1 guests)
Palmtree
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Do You Include the amount of your Nest Egg in your estimated four % rate of return? nico08 FIRE and Money 22 07-07-2013 04:20 PM
Simple Math to See If You Have an Age-Appropriate Nest Egg danm FIRE and Money 2 01-07-2008 01:21 PM
Protecting Your Nest Egg from the Vultures? ShokWaveRider FIRE and Money 62 11-14-2007 01:49 PM
How To Tap Your Nest Egg & Not Go Broke REWahoo FIRE and Money 4 07-16-2005 08:51 AM

» Quick Links

 
All times are GMT -6. The time now is 05:36 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2023, vBulletin Solutions, Inc.