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Old 11-19-2017, 01:23 PM   #21
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We set ours at 40/60 when I retired 10 years ago. This year I start my pension and in 5 years, SS. I think I will just let it drift up if the market keeps going up and perhaps even buy up if the market tanks. Now that we have skated past the first 10 years where we had no income I can let it ride. Also, I have no more losses from 2009 to offset gains so re-balancing back to 40/60 would cost me money.
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Old 11-19-2017, 01:27 PM   #22
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We're at about 60/40 and we'll probably stay there for a few more years.
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Old 11-19-2017, 01:49 PM   #23
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63/37 equity/fixed income allocation, with a 42-year spending period planned.
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Old 11-19-2017, 01:57 PM   #24
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Agree, an appropriate allocation is dependent on a number of factors. I have a non-COLAed pension that meets all my current needs, plus I will have near max SS when I take it. Plus, I don't care if I leave a legacy. Would my AA be the same as someone with no pension or SS or that wants to take care of kids after I'm gone?

From age 54 to 65, I've slid my stock holdings from 100% to 60% which is probably overly conservative.
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Old 11-19-2017, 02:01 PM   #25
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Agree, an appropriate allocation is dependent on a number of factors. I have a non-COLAed pension that meets all my current needs, plus I will have near max SS when I take it. Plus, I don't care if I leave a legacy. Would my AA be the same as someone with no pension or SS or that wants to take care of kids after I'm gone?
True. The thing about your situation is that you can be about as aggressive, or about as risk-averse, as you are comfortable with -- or anything in between. You could be 90/10 or 20/80 and it would not substantially affect your daily finances in your lifetime (most likely).
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Old 11-19-2017, 03:31 PM   #26
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Are you Ben Stein? Why would Ben's AA recommendation be of interest to you?


I'm sitting at about 50/50. Age 73.
the thing is that there'll always be a guru proclaiming he has the magic mix without knowing me or my risk tolerance. Schwab recommends:
  • 110 - AGE = STOCKS
I don't listen to them either as my disposable cash target is 60% of COLA adjusted pension (as the 1st FIRE yr comes to an end that's proving to be more of 75% of pension)
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Old 11-19-2017, 03:47 PM   #27
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We are 60/35/5 and I don't see us ever changing.... once sequence of returns risk is not much of a worry it will be replaced by concerns over inflation and when we get over that hump the net effect is that we will be investing for our heirs and 60/40 isn;t all that bad for them either.
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Old 11-19-2017, 04:55 PM   #28
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I have two AAs from my mutual funds. The AA of the taxable account, designed for income production (to get me from age 45 to 60), is 61/36/3 in favor of bonds (bond funds). The AA of the IRA, designed more for some growth, is 52/47/1 in favor of bonds (bond fund). Overall, the AA is 58/40/2.


I have been doing some small, gradual rebalancing from stocks to bonds over the years but for different reasons.
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Old 11-19-2017, 05:19 PM   #29
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We have somewhere around 50/50 stocks/bonds in mutual funds. But then I would have to add in a good amount of cash and a variety of individual stocks.

Cheers!
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Old 11-20-2017, 11:55 AM   #30
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50/50

Stock: Mainly midcaps with a tilt towards the value side of things. A sprinkling of some large caps (SP500) and some small cap value. We have several accounts (HSA, my rollover IRA, my wife's rollover IRA, a taxable account, a deferred comp account, and current 401K), so the exact mix in each account depends on what's available

Bonds: About 2/3 intermediate treasury and about 1/3 inflation indexed (either TIPs or IBonds). Total Bond in a couple of accounts because that's what's available.

Age 56, DW is 57. At least 3 years from retirement....
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Old 11-20-2017, 12:23 PM   #31
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Originally Posted by scrabbler1 View Post
I have two AAs from my mutual funds. The AA of the taxable account, designed for income production (to get me from age 45 to 60), is 61/36/3 in favor of bonds (bond funds). The AA of the IRA, designed more for some growth, is 52/47/1 in favor of bonds (bond fund). Overall, the AA is 58/40/2.


I have been doing some small, gradual rebalancing from stocks to bonds over the years but for different reasons.
A good way to describe your AA so there is no confusion, is to follow the convention of Equity/Fixed/Cash. (If only two numbers are given, then i'ts Equity/Fixed + Cash) Using this order is a common convention and eliminates the need to specify which is which.

Mine is approximately 61/38/1, similar to yours.
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Old 11-20-2017, 03:56 PM   #32
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At 49: 55/35/10 stock funds/bond funds/cash
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Old 11-20-2017, 04:12 PM   #33
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At age 64 72/23/5

But I feel I can be more aggressive since I have a military pension and once both start taking SS our daily needs will be practically met. In addition about 30% of the stocks are in fairly stable utility stocks.
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Old 11-20-2017, 07:27 PM   #34
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The only mutual funds are in DWs 401k. Everything else is stocks, CDs and real estate. The only exception are $140k in treasury notes and I-Bonds, which is a small percentage of the total. Life is good and weve been using our charitable donations.
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What is your mutual fund breakdown?
Old 11-20-2017, 10:42 PM   #35
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What is your mutual fund breakdown?

60/40 at age 59 seems to meet my risk tolerance, but Mr. Market hasn't given us a sound ass kicking since I've retired....
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Old 11-21-2017, 03:09 AM   #36
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At 74:

66% equities, 22% Bonds, 12% Cash

Will be re-balancing to a lighter equity position (50%) after 1/1/18.
Just curious. Why not rebalance now if you are so far from what you think your AA should be?
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Old 11-21-2017, 06:35 AM   #37
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65 years 'young':
45% stock funds (US, Int'l small, REITs, Health Sector)
35% bond funds (Intermed Corp, Hi Yld)
20% Sh. term corp bond fund
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Old 11-21-2017, 06:58 AM   #38
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At 67 about 65/35. Annuity value represents the FI portion so actual portfolio is all equity. All individuall names no ETF’s or heaven forbid mutual funds. Dividend growth strategy on equities.
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Old 11-21-2017, 07:39 AM   #39
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Old 11-21-2017, 08:01 AM   #40
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64 years old..

I have two mutual funds, Vanguard's Wellsely and Wellington funds, which I hold in a combined ratio so that essentially I allocated thusly:

Stocks: Bonds: Cash: 45:50:5

I have run a bunch of calculators and the results don't vary much from 40:60, to 60:40...

When the "Big Correction" hits, I will likely rebalance to something closer to 50:50 (with some cash still handy). But it doesn't really matter.
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