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02-10-2020, 06:54 PM
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#21
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Thinks s/he gets paid by the post
Join Date: Aug 2013
Posts: 1,660
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70/17/13
The 13 is CD’s and Stable Value.
The 17 is whatever bonds Wellington and TRowe 2030 have.
The 70 is a combination of S&P 500 plus the Wellington and TRowe stocks.
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02-10-2020, 07:43 PM
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#22
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Full time employment: Posting here.
Join Date: Apr 2015
Posts: 580
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I'm the odd one here, I comfortably live off my pension but my investments are 1/3 in cash, 1/3 in 401k/457 accounts which are now in very conservative funds and my final 1/3 is still rolling the dice in a brokerage account of various stocks.
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02-11-2020, 12:25 AM
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#23
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Full time employment: Posting here.
Join Date: Jan 2013
Posts: 620
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On average we maintain 5% in cash = 7 years of annual expense.
DW still works, and between her income + dividend from aftertax investment, we add another 2-3% of total portfolio value to the cash position annually (net of expenses), but that excess usually gets moved off to another bucket (real estate, stocks, etc.) based on our investment decisions.
Lucky Dude
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02-11-2020, 12:41 AM
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#24
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Moderator Emeritus
Join Date: Jan 2007
Location: New Orleans
Posts: 47,500
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My portfolio is 42% equity funds, and the rest is in bond funds and cash.
I also have:
1) a paid off house
2) tiny pension
3) Social Security
4) All my 2020 spending money in cash in the bank
This is pretty conservative I guess, but it's my preference.
__________________
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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02-11-2020, 01:32 AM
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#25
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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: 11,298
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Quote:
Originally Posted by W2R
My portfolio is 42% equity funds, and the rest is in bond funds and cash.
I also have:
1) a paid off house
2) tiny pension
3) Social Security
4) All my 2020 spending money in cash in the bank
This is pretty conservative I guess, but it's my preference.
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I see you have taken that magical youth elixir again.
__________________
TGIM
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02-11-2020, 03:00 AM
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#26
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Moderator Emeritus
Join Date: May 2007
Posts: 12,901
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I have about 35% in stable value investments at the moment. The rest is in residential and commercial real estate. The income from the RE covers my living expenses and I tap into my cash stash for extras, as needed.
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02-11-2020, 04:00 AM
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#27
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Full time employment: Posting here.
Join Date: Mar 2016
Location: An island off the coast of Florida. (Ok - if you really need to know it's Vero Beach)
Posts: 633
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50/50 if I exclude the cash balance pension (not yet annuitized and compounding a 4% p.a.). Stocks are filled in order of priority: the after tax brokerage and Roth (small for now) with remaining % in the IRA.
If the cash balance pension is added to the mix, the AA is more like 35/65. Pension plan is overfunded, so I consider this balance to be a 'super CD' for now.
Newly retired, of the 50% bonds and cash I am trying to keep 6-9 months of cash.
__________________
DW and I are 62/62. 100% equities 31 years. FIRE'd August 2019. Non-cola pension cashed out Dec 2022 before segmentation rates reduced balance - rolled to MM fund, max SS for DH and DW at FRA. Mega retiree health available. IRA rollover from 401k Jan 2020 for NUA treatment. LTCG for 3 years. Next few years will be IRA cash withdrawals or until Stock Market recovers. AA 33% stocks, 67% MM and T-Bills. Rising equity glidepath.
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02-11-2020, 04:24 AM
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#28
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Full time employment: Posting here.
Join Date: Jun 2016
Posts: 889
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Quote:
Originally Posted by Olderschool
For retirees only?
Just wondering......Right now I keep about 25% or 3 years worth of retirement income in safe funds because I figure that's what I would need to ride out a market downturn. I then have another 20% in a 2025 target date fund which, as you know is diversified. The rest (55%) I keep in an SP500 index fund.
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If you are retired and 3 years spending is 25% of your total stash that equals an 8 percent plus withdrawal rate! ?
Did I misunderstand the metrics of your post?
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02-11-2020, 04:52 AM
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#29
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2015
Location: Michigan
Posts: 5,003
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I have 42% in bonds plus a stable value fund. I keep one year's spending in a MM, which I reload annually.
__________________
"The mountains are calling, and I must go." John Muir
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02-11-2020, 06:32 AM
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#30
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2012
Posts: 6,176
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Currently about 40% in a stable value bond fund, and 22% in cash. I went into retirement planning for a cash stash of 5 years, but due to various factors it looks like the cash stash could easily last double that, so I might reallocate some it (but not in a rush to do so).
__________________
FIREd date: June 26, 2018 - "This Happy Feeling, Going Round and Round!" (GQ)
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02-11-2020, 06:40 AM
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#31
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2003
Location: Florida's First Coast
Posts: 7,719
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100% averaging ~3.8%
__________________
"Never Argue With a Fool, Onlookers May Not Be Able To Tell the Difference." - Mark Twain
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02-11-2020, 06:43 AM
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#32
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Thinks s/he gets paid by the post
Join Date: Apr 2008
Posts: 1,251
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Ten year bond ETF ladder is available if we need it. Otherwise just roll maturing issues into a new 10 year issue. This also provides some "insurance" for LTC.
__________________
"Don't you draw the queen of diamonds, boy, she'll beat you if she's able.
You know the queen of hearts is always your best bet" -- The Eagles, Desperado
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02-11-2020, 07:12 AM
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#33
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Thinks s/he gets paid by the post
Join Date: Mar 2013
Posts: 1,788
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Here's a good recent thread that talks about the issue.
https://www.early-retirement.org/for...-a-102108.html
My takeaway is that whether you pick 60/40 over 70/30 (or even ratios at a wider range) doesn't matter a whole lot.
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02-11-2020, 07:29 AM
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#34
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Recycles dryer sheets
Join Date: Nov 2017
Location: Green Bay
Posts: 226
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55% safe funds with 2/3 of it in my 401k Stable Value Fund. Equates to >10 years expenses prior to SS and pension.
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02-11-2020, 07:30 AM
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#35
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Thinks s/he gets paid by the post
Join Date: Jun 2014
Posts: 1,192
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I figure 5 years safe haven, the rest equities, so 1 year cash, 3 more years in fixed, with the 5th year covered by accumulated dividends.
I'm planning on 45 more years so risk is required to ensure I keep up with whatever inflation brings and TIPs isn't sufficient as it won't cover my health care inflation projections.
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02-11-2020, 07:59 AM
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#36
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Dryer sheet aficionado
Join Date: Jan 2020
Posts: 42
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30% bonds
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02-11-2020, 08:04 AM
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#37
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,140
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A little over 50% of investable assets in fixed income.
__________________
Retired since summer 1999.
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02-11-2020, 08:10 AM
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#38
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,298
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We’re about 50/50. But I could make an argument for much more or much less, so I’m not sure asking others is useful. How much secure income? How high/low withdrawal? Age/longevity? Liquid assets? Asset allocation/risk tolerance? Need for ending balance (kids/charity) or die broke? Married/SO or not? And several others...
__________________
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 / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
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02-11-2020, 08:14 AM
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#39
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2013
Location: Texas
Posts: 10,930
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I guess I could figure out the actual %, but I keep 2m in CD's/Bonds/cash equivalents as my safety net. As that grows, I pull it back down to 2m about once a year. All other funds are used for very short term equity investing, hobbies, living expenses, etc.
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02-11-2020, 08:32 AM
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#40
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gone traveling
Join Date: Sep 2003
Location: DFW
Posts: 7,586
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40/60 while in RMD stage.
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