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What is your age and your AA for your nest egg?
01-24-2023, 04:52 PM
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#1
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Full time employment: Posting here.
Join Date: Sep 2017
Posts: 759
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What is your age and your AA for your nest egg?
I am 67yo, retired. I have my nest egg in index funds, TIRA. My AA is 60/40. I have been fairly risk-averse but now, am wondering if I should maybe be more aggressive. From my parents' history I could live into the 90s.
So, I was wondering what other folks are doing with their nest egg. It is a function of age, I think so, also what is your age?
Thx
__________________
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― Albert Einstein
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What is your age and your AA for your nest egg?
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01-24-2023, 05:00 PM
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#2
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Recycles dryer sheets
Join Date: Oct 2021
Posts: 287
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What is your age and your AA for your nest egg?
50 years old and 100% equities (mostly VOO and VTI) both in my taxable and retirement accounts
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01-24-2023, 05:02 PM
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#3
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Aug 2013
Location: Back in the Dog House
Posts: 8,881
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Over 70 and 100% in fixed income.
__________________
I don't know how to act my age since I've never been this old before.
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01-24-2023, 05:07 PM
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#4
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Moderator Emeritus
Join Date: Aug 2007
Location: Just north of the 41st parallel, near the 88th meridian west.
Posts: 15,484
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67 yo, 50/50 index funds, TIRA and roth, taxable account, annuity. Living off the annuity, SS, and cash withdrawals if I need extra.
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01-24-2023, 05:14 PM
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#5
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Full time employment: Posting here.
Join Date: Sep 2017
Posts: 759
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OP here ...
My wife is still working and we are still bailing out adult kids so, our final retirement budget is still not set. Should be stable in 2-3 yrs. Ugh.
__________________
“Earth is the insane asylum of the universe.”
― Albert Einstein
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01-24-2023, 05:15 PM
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#6
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Thinks s/he gets paid by the post
Join Date: Jan 2006
Posts: 4,803
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43 years old. 82% equities. That does not count my emergency savings which is all in cash.
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01-24-2023, 05:17 PM
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#7
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Aug 2013
Location: Back in the Dog House
Posts: 8,881
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 Quote:
Originally Posted by albireo13
OP here ...
My wife is still working and we are still bailing out adult kids so, our final retirement budget is still not set. Should be stable in 2-3 yrs. Ugh.
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Good luck with that!
__________________
I don't know how to act my age since I've never been this old before.
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01-24-2023, 05:22 PM
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#8
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Mar 2016
Location: Central CA
Posts: 8,924
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67 and still running the 80/20 thing.
__________________
Retired at 59 in 2014. Should have done it sooner but I worried too much.
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01-24-2023, 05:28 PM
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#9
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Mar 2017
Location: City
Posts: 9,178
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76 and about 80% equities. The equities will mostly end up in our estate for charities and trusts for DS and the grands. So it is long-term money.
IMO optimum AA depends much less on age than it does on the purpose of the stash. If the stash is likely to be needed before death a more conservative AA makes sense. If the stash has a significant longer-term purpose, then (IMO again) the longer-term portion should be in equities. Either way, age doesn't have much to do with it.
Consider a healthy 75YO widow with $100K and another healthy 75YO widow with $10M. Why would anyone think they should have the same AA?
__________________
Ignoramus et ignorabimus
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01-24-2023, 05:32 PM
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#10
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Moderator Emeritus
Join Date: Jan 2007
Location: New Orleans
Posts: 46,753
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age 74 
47% equities
53% fixed (17% cash, 36% bond funds)
Pretty much the same as it has been all along. Well, OK, way back in the Dark Ages it was 45:55. That AA did well for me during the 2007-2008 mess, so in my charmingly bull-headed obstinate way, I tend to favor something about the same.
SS, mini-pension, and some RMDs are enough to cover my living expenses. Familial longevity. Cautious by nature.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities. - - H. Melville, 1851.
Happily retired since 2009, at age 61. Best years of my life by far!
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01-24-2023, 05:35 PM
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#11
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2018
Location: Tampa
Posts: 10,244
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Age 62.
43/56/1 AA
__________________
TGIM
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01-24-2023, 05:48 PM
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#12
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Recycles dryer sheets
Join Date: Jul 2013
Location: Gurabo, Puerto Rico
Posts: 93
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59 years.. 70/30 but drifting to 65/35
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01-24-2023, 05:56 PM
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#13
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Recycles dryer sheets
Join Date: Aug 2014
Posts: 119
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Age 62. 47/53.
__________________
It's not what you earn. It's how you spend it.
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01-24-2023, 05:57 PM
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#14
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Full time employment: Posting here.
Join Date: Aug 2019
Posts: 612
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Age 48, over 80% stocks. There is a whole lot more to think about other than age to decide on an AA. I find the articles listed here https://www.aacalc.com/about to be good reading about how things like pension, SS, and net worth also impact what might be an ideal AA for an individual.
There are also studies looking at the optimal AA to maximize long term returns. I think the important point is to pick an AA that you can live with (or a glide path), and then stick with it, and rebalance periodically.
__________________
--At what age does spending less now in order to have more later stop making sense?
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01-24-2023, 06:04 PM
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#15
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Full time employment: Posting here.
Join Date: Apr 2007
Posts: 973
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I am working on a new long term allocation and am thinking of 2 years cash (7%), 50% equities, 43% fixed income and alternatives. Currently I am 30% equities and plan to slowly DCA up to 50% over the next year since I can't guess up or down at this point. I am 66.
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01-24-2023, 06:12 PM
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#16
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Thinks s/he gets paid by the post
Join Date: Jan 2017
Location: Des Moines
Posts: 1,238
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I am 63 DH is 67 we have 32% in stocks, 56% in short term bond funds, and 12% cash. All at Vanguard. I am reducing our stock exposure for each year we get older.
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Retired in 2013 and we are living the dream!
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01-24-2023, 06:14 PM
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#17
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Thinks s/he gets paid by the post
Join Date: Jul 2005
Location: Los Angeles area
Posts: 1,698
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64yo, retired 16 years, 100% equities since 1993, no plans to change
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learn, work, save, invest, fire
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01-24-2023, 06:21 PM
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#18
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: May 2014
Posts: 6,328
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Almost 70 years old, 60-40. the 40 is almost evenly divided between cash and fixed income, with a bit more in fixed income. Equities mostly Large Cap US. I sold a chunk of equities last July and am cautiously wading back in- plan to keep it simple, mostly ETFs.
I have decent predictable income- high earner and filed for SS on my own record at age 69, and 2 non-COLA pensions of $900/moth each. Essential expenses pretty low- mortgage is only $700 (principle an interest only)- so a dip in the market doesn't affect my ability to pay the bills.
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01-24-2023, 06:27 PM
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#19
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Thinks s/he gets paid by the post
Join Date: Dec 2018
Location: DuPage County IL
Posts: 2,114
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Quote:
Originally Posted by albireo13
I am 67yo, retired. I have my nest egg in index funds, TIRA. My AA is 60/40. I have been fairly risk-averse but now, am wondering if I should maybe be more aggressive. From my parents' history I could live into the 90s.
So, I was wondering what other folks are doing with their nest egg. It is a function of age, I think so, also what is your age?
Thx
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72 (me) and 71 (her). roughly 60/40 but we keep ~$600,000 in cash.
__________________
Rich
Ham Radio, Sport Pilot, RVer
FIRE: 8/11/2005, age 55y,1d
Administrator for a regional 9-1-1 call center
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01-24-2023, 06:46 PM
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#20
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Full time employment: Posting here.
Join Date: May 2006
Posts: 643
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62 65/35
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