|
|
02-14-2020, 05:46 PM
|
#81
|
Recycles dryer sheets
Join Date: Feb 2014
Location: Austin
Posts: 246
|
I’m about 35% bonds, with enough cash to last perhaps 2 years. I’m wondering if this might be a bit too conservative.
|
|
|
|
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!
Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!
You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!
|
02-15-2020, 09:36 AM
|
#82
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2004
Location: Laurel, MD
Posts: 8,309
|
If your AA feels too conservative, it seems like a dangerous time to make large increases in your equity position.....at least that’s how I feel.
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
|
|
|
02-18-2020, 03:50 PM
|
#83
|
Recycles dryer sheets
Join Date: Oct 2004
Location: Seattle area
Posts: 136
|
Roughly 20% as well.
|
|
|
02-18-2020, 05:28 PM
|
#84
|
Recycles dryer sheets
Join Date: Dec 2016
Location: New York
Posts: 110
|
I keep 1.5 yrs expenses in savings. Dividends provide the other 0.5 yr of expense annually. Then I keep the lesser of 40% or 11x expenses in fixed income, so a minimum of 13 yrs expenses in cash and fixed income. Right now 11x expenses is less than 40% of my investable assets.
|
|
|
02-18-2020, 07:37 PM
|
#85
|
Recycles dryer sheets
Join Date: Nov 2009
Posts: 64
|
50% stock index funds (15% of that Intl)
10% bond index
15% TIAA Real Estate
25% TIAA Traditional (stable value returning 3.25%)
I consider the last two as 'non-market' and they would cover 12-14 years of RMDs.
No debt.
|
|
|
02-18-2020, 10:37 PM
|
#86
|
Confused about dryer sheets
Join Date: May 2018
Location: Fort Collins
Posts: 8
|
Mostly Dividend Stocks
3% cash, 97% high quality dividend stocks produce 25% more than my annual expenses. SSA provides another 35% on top of that, so I’m comfortable about getting through any market downturn.
|
|
|
02-19-2020, 12:53 AM
|
#87
|
Thinks s/he gets paid by the post
Join Date: Mar 2007
Posts: 1,854
|
Depends what you call “safe”....
We “oversaved” to minimize risk, so we have 35% in laddered CDs, 30% in paid-off rental properties, 10% in bonds , 5% in international index, and the rest in S&P index.
Rentals produced $34k in cash flow in 2019. I also work about 200 hours per year as a handyman at $40/hour...mainly for “blow that dough” money.
__________________
"Live every day as if it were your last, and one day you'll be right" - unknown
|
|
|
02-19-2020, 08:04 AM
|
#88
|
Recycles dryer sheets
Join Date: Apr 2007
Location: Longmont, CO
Posts: 90
|
Currently, I have a little less than 30% of my retirement portfolio in cash or fixed income. I have 3 years of withdrawals for income covered by cash, CDs, and ultra short term bond funds.
Overall, my dividends and interest more than covers my withdrawals. I have never had to sell anything to cover a withdrawal in retirement. This will change when I have to start withdrawals to cover my RMD. Until about a year and a half ago I was 100% in equities.
|
|
|
02-19-2020, 09:37 AM
|
#89
|
Recycles dryer sheets
Join Date: Feb 2012
Posts: 410
|
I'm retired and 50/50. The '08-'09 financial crisis taught me that this is my comfort level. I had more stocks prior to that time and although all turned out well (because I stayed the course and rebalanced as equities fell) it was a bit too nerve wracking for me with a higher equity level. I hold between one and two years in money market funds which I've included in my 50% bond portion.
|
|
|
02-19-2020, 11:38 AM
|
#90
|
Thinks s/he gets paid by the post
Join Date: Aug 2013
Location: North
Posts: 4,029
|
Quote:
Originally Posted by Milkman
Currently, I have a little less than 30% of my retirement portfolio in cash or fixed income. I have 3 years of withdrawals for income covered by cash, CDs, and ultra short term bond funds.
Overall, my dividends and interest more than covers my withdrawals. I have never had to sell anything to cover a withdrawal in retirement. This will change when I have to start withdrawals to cover my RMD. Until about a year and a half ago I was 100% in equities.
|
You have certainly won the race my friend. To never draw down principle until RMD to me is probably best case scenario for any young dreamer!
Everytime another fixed income stream comes online, technically one could INCREASE equity exposure... Not only do you get a raise...you get more risk tolerance with the additional guaranteed income. With a married couple who has pension(s) this could happen 2x or more!
So if I have $60k of SS coming online next year, I could technically expose myself to 60k more of equities... IF you never needed the RMD to begin with.
__________________
Time > $$$ ~ 100% equities ~ FIRE @2031
|
|
|
02-22-2020, 06:04 PM
|
#91
|
gone traveling
Join Date: Nov 2019
Posts: 68
|
100%
|
|
|
02-22-2020, 08:26 PM
|
#92
|
Recycles dryer sheets
Join Date: Nov 2005
Location: Lost State of Franklin
Posts: 422
|
When I retired at 57 I aimed at 50:50. Now at almost 72 I'm letting the equities drift up. Started SS at 70, between that and RMDs we are at about 150-200% of are cash flow needs. House is paid off and we are in a low cost of living area. After 2 years of RMDs we have more net assets than when we started.
Life is good.
|
|
|
02-23-2020, 12:17 AM
|
#93
|
Recycles dryer sheets
Join Date: Nov 2015
Posts: 442
|
We keep more than 10 years of expenses in cash/CDs. I truly want to weather any significant economic downturns with as little pain as possible. I'm happy to forego possibly higher earnings on these funds in exchange for the peace of mind cash/CDs provide us.
|
|
|
04-13-2020, 08:40 PM
|
#94
|
Recycles dryer sheets
Join Date: Mar 2009
Location: Newcastle, WA
Posts: 208
|
I've got about $50 in my checking account ... enough to get me through the next couple of days!!
__________________
Don't just do something; stand there!
- Jack Bogle
|
|
|
04-14-2020, 05:30 AM
|
#95
|
Thinks s/he gets paid by the post
Join Date: Nov 2008
Posts: 3,395
|
It is at the point of not being an important issue for us anymore. But a quick eyeball at the spreadsheet says somewhere well in excess of 50% cash or equivalent. I figure that anything that happens financially which would affect our ability to survive would also be the financial ruin of the country. We have prepared as best as we possibly can. So all we can do now is
Cheers!
|
|
|
04-14-2020, 05:37 AM
|
#96
|
Thinks s/he gets paid by the post
Join Date: Jul 2007
Location: St. Louis
Posts: 1,563
|
20%
|
|
|
04-14-2020, 06:04 AM
|
#97
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2008
Location: On a hill in the Pine Barrens
Posts: 9,683
|
45% Bonds and Cash.
8.5% Cash (2 years).
|
|
|
04-14-2020, 06:11 AM
|
#98
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,263
|
100%
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
|
|
|
04-14-2020, 06:12 AM
|
#99
|
Thinks s/he gets paid by the post
Join Date: Nov 2013
Location: Twin Cities
Posts: 3,927
|
6 months of cash and 5 years of bonds at current spending levels, which could be trimmed.
|
|
|
04-14-2020, 07:44 AM
|
#100
|
Full time employment: Posting here.
Join Date: Aug 2015
Posts: 987
|
Interesting how different the responses were pre COVID19 DOW and post.
|
|
|
|
|
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
|
|
Thread Tools |
|
Display Modes |
Linear Mode
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
» Recent Threads
|
|
|
|
|
|
|
|
|
|
|
|
|
» Quick Links
|
|
|