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What is your mutual fund breakdown?
Old 11-18-2017, 03:35 PM   #1
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What is your mutual fund breakdown?

At age 63 I am probably going to go with 60% total bond fund, 40% total stock fund from Vanguard. Ben Stein recommends an even 50-50 split.
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Old 11-18-2017, 03:44 PM   #2
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There's a whole lot of discussion about asset allocation on this board! I'd say do a google search of this board for "asset allocation" or "efficient frontier", which balance risk and reward. You can search "marotta gone fishin" or "couch potato allocation", and tons more. An expansive topic.
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Old 11-18-2017, 03:46 PM   #3
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60/35/5 stocks/fixed income/cash... 62 been retired for 6 years.
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Old 11-18-2017, 04:32 PM   #4
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At 62, 50-50.
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Old 11-18-2017, 04:43 PM   #5
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At 57, 50% equities, 25% hard money loans, 20-24% fixed income, 1-5% cash. Currently living off deferred comp payouts from prior employer plus a small withdrawal from taxable portfolio. Have a non-COLA pension I can start anytime but will probably wait a few more years. Not sure when we'll start SS. DH is 58 so we don't have to decide for a while.
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Old 11-18-2017, 04:49 PM   #6
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62 for me,

69, 21, 10 - stocks, bonds, cash
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Old 11-18-2017, 05:05 PM   #7
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70-30 stock, st bonds and cash at 58.
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Old 11-18-2017, 05:07 PM   #8
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At 63.75, I'm 50/15/35 stks, bnd, csh
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Old 11-18-2017, 05:16 PM   #9
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At 62, Im have 60, 28, and 10
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Old 11-18-2017, 05:32 PM   #10
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At 69, 60/38/2. Stocks/bonds/cash
The bonds have 50% in short term investment grade

Caveat: some market timing in the above
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Old 11-18-2017, 05:44 PM   #11
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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.
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Old 11-18-2017, 05:45 PM   #12
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Mine aren't broken down. Just fine.
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Old 11-18-2017, 06:03 PM   #13
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About 90% stock.
Slowly fixing that too high allocation, but have 4 years cash or more if you add dividends to withstand a market plunge.

I would like to be 70% stocks 30% interest things.
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Old 11-18-2017, 06:52 PM   #14
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Mutual Funds = 0

Investments: (primarily index ETFs)
90% stocks
6% bonds
4% cash + other
Last category may be too high IMHO. But only drawing off a few dividends at this point
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Old 11-18-2017, 06:56 PM   #15
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at age 59....

70/26/4 Stock/Bond/Cash
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Old 11-18-2017, 07:14 PM   #16
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I am uncomfortable with these "rules of thumb" and recommendations said to be universal. Consider two hypothetical widows, both 70YO, both receiving SS and needing supplemental income to support their chosen low-expense life styles.

Widow #1 has a portfolio of $200,000

Widow #2 has a portfolio of $10,000,000.

Should these two identical widows have identical asset allocations? I don't think so. Widow #1 needs to be very conservative in order that she not outlive her money. Widow #2 has wildly more money than she will ever need; she can safely choose to invest aggressively, attempting to maximize the estate she leaves to family, charity or both.

We've debated buckets before here and there are some impassioned arguments on the subject but I still believe that thinking about a conservatively invested bucket of 1-5 year needs and a more aggressively invested bucket for the longer term is a good paradigm. Widow #1 might have only one bucket with $200K in it, a 0/100 allocation, where Widow #2 might have $300K in her short term bucket and $9.7M in the long term bucket, a 97/3 allocation. And both might be right.

So I personally think that comparing anyone's net allocation with SGOTI is unproductive. Many factors affect a choice of allocation strategy.
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Old 11-18-2017, 07:40 PM   #17
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Originally Posted by OldShooter View Post
So I personally think that comparing anyone's net allocation with SGOTI is unproductive. Many factors affect a choice of allocation strategy.
+1
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Old 11-19-2017, 07:35 AM   #18
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At age 66 just reset mine to 50-50. Only have one index fund, Total Stock Market Fund with FIDO that makes up the brunt of the 50%. The other 50% is CDs (all laddered), bond fund, MM funds and cash.
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Old 11-19-2017, 07:52 AM   #19
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Quote:
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....So I personally think that comparing anyone's net allocation with SGOTI is unproductive. Many factors affect a choice of allocation strategy.
I agree, but that is not the question the OP asked.... he asked what ours is.
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Old 11-19-2017, 12:11 PM   #20
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Quote:
Ben Stein recommends an even 50-50 split.

Are you Ben Stein? Why would Ben's AA recommendation be of interest to you?


I'm sitting at about 50/50. Age 73.
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