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Old 02-10-2020, 07:54 PM   #21
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70/17/13
The 13 is CDís 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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Old 02-10-2020, 08:43 PM   #22
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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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Old 02-11-2020, 01:25 AM   #23
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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.

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Old 02-11-2020, 01:41 AM   #24
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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.
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Old 02-11-2020, 02:32 AM   #25
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Originally Posted by W2R View Post
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.
I see you have taken that magical youth elixir again.
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Old 02-11-2020, 04:00 AM   #26
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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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Current AA: real estate 64% / equities 10% / fixed income 16% / cash 10%
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Old 02-11-2020, 05:00 AM   #27
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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.
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Old 02-11-2020, 05:24 AM   #28
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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.



?

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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Old 02-11-2020, 05:52 AM   #29
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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.
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Old 02-11-2020, 07:32 AM   #30
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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).
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Old 02-11-2020, 07:40 AM   #31
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100% averaging ~3.8%
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Old 02-11-2020, 07:43 AM   #32
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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.
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Old 02-11-2020, 08:12 AM   #33
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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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Old 02-11-2020, 08:29 AM   #34
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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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Old 02-11-2020, 08:30 AM   #35
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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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Old 02-11-2020, 08:59 AM   #36
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30% bonds
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Old 02-11-2020, 09:04 AM   #37
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A little over 50% of investable assets in fixed income.
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Old 02-11-2020, 09:10 AM   #38
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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...
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Target AA: 50% equity funds / 30% bonds / 20% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
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Old 02-11-2020, 09:14 AM   #39
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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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Old 02-11-2020, 09:32 AM   #40
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40/60 while in RMD stage.
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