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04-14-2020, 07:50 AM
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#101
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Thinks s/he gets paid by the post
Join Date: Oct 2010
Posts: 1,225
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50% now, same as it's been for years.
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04-14-2020, 08:18 AM
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#102
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Recycles dryer sheets
Join Date: Mar 2016
Location: SoCal
Posts: 353
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Retiree here at 50 with no pension
AA: 96% in equities and 4% in saving to cover 2 years of expenses.
I have no mortgage and the house is worth 850K but don't count it as part of my investment.
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04-14-2020, 08:39 AM
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#103
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Recycles dryer sheets
Join Date: Sep 2008
Posts: 401
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I keep close to 10 years in cash.
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04-14-2020, 08:52 AM
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#104
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Recycles dryer sheets
Join Date: Mar 2012
Posts: 388
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40%
__________________
FIRE'd---4/27/2018 @ 54. DW--RE date 03/01/19.
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04-14-2020, 09:47 AM
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#105
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Thinks s/he gets paid by the post
Join Date: Nov 2006
Posts: 1,639
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100%
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04-14-2020, 10:39 AM
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#106
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Moderator Emeritus
Join Date: May 2007
Posts: 12,901
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35% for me (enough to cover core living expenses until SS kicks in).
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04-14-2020, 11:00 AM
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#107
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Recycles dryer sheets
Join Date: Jul 2019
Posts: 416
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current cash/cds could last us 4 years with rental income and pension supplementing...which would get me to 66 and ss.
retirement accounts are 60/40
not worried for myself but worried for others where i live...lots of things could go south in a hurry. good time to be generous when it is called for and careful as well
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04-14-2020, 11:02 AM
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#108
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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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Currently 60%
Not counting home, and outside of a cash balance pension:
56% Treasury intermediate bonds and 4% cash (split between FIDO and credit union). This is enough to easily get us through > 10 years living expenses.
Most of the stock is from mega - Utility giant NEE. Small S&P 500 index position.
NEE stock ran up in Jan/Feb so I took LTCG for about a year's cash position. Intermediate Treasuries picked up nicely after that. My portfolio is roughly now the same as 1 January - even after subtracting a year's expenses to cash.
The pension draws 4% interest at lowest. Giving some thought to cashing it in before any next downturn and lump sum withdraws being frozen.
Rising equity glidepath discussed by Michael Kitces and Wade Pfau was my tradeoff to avoid a potential black swan in Sequence Of Returns Risk. I went from 100/0 at age 57 to 40/60 just before retiring at age 58 last year. Investment coworkers thought my strategy to be batshit crazy for not having a 70/30 portfolio. Mine was a poor strategy with 100 equity designed to swing for the fence and get out earlier, or fail and try to work a few years longer - I am not a financial genius and simply got lucky.
If the market heads south again (I believe the black swan is still out there), I will likely cash out the pension and take the whole nut up to a 60/40 ratio earlier than planned and just DCA along the way. (After figuring out an entry point.) I was a high wage earner, so SS for DW and myself will eventually make a good floor of income.
__________________
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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04-14-2020, 11:06 AM
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#109
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Full time employment: Posting here.
Join Date: Aug 2019
Posts: 691
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25%, but currently living on pension only.
__________________
--At what age does spending less now in order to have more later stop making sense?
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04-14-2020, 02:15 PM
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#110
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Thinks s/he gets paid by the post
Join Date: Aug 2011
Posts: 3,602
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55% of the financial assets last I checked.
We do have access to non-cola pensions too, however.
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04-14-2020, 02:22 PM
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#111
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Thinks s/he gets paid by the post
Join Date: Jun 2004
Location: Diablo Valley (SF Bay Area)
Posts: 2,705
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2 weeks ago I reallocated to 70/30 then the market put it at 73/27 almost overnight. Now 75/25. I tried to back out of stocks .... at least not 80/20 anymore. I don't feel the need to pull back on stocks AGAIN but then I'm getting a 3% boost in my pension in 2 weeks. And I got the stimulus this morning.
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04-14-2020, 02:41 PM
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#112
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Dryer sheet wannabe
Join Date: May 2013
Location: Hilton Head, SC
Posts: 15
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ten year look back
Retired in 2010 and lived off company stock for several years and now on IRA withdrawals. Thank God for the good ten years I have enjoyed because my withdrawals to date have been $1.5M and my portfolio is still $328K higher than it was when I retired. I am not bragging by any means because I realize the stock market performance has everything to do with it. I am just not going to agonize over every dollar and how to utilize it given the past and even the current situation. Live life and back off it becomes obvious a change has to be made. Best to all.
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04-14-2020, 02:44 PM
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#113
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Dryer sheet wannabe
Join Date: May 2013
Location: Hilton Head, SC
Posts: 15
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Forgive me but that is doomsday thinking and if it comforts you have at it. Enjoy the money now while you can---not frivously but in a reasonable way.
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04-14-2020, 05:49 PM
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#114
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Recycles dryer sheets
Join Date: Jul 2013
Posts: 385
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25% - Individual Stocks
25% - Individual Muni Bonds
25% - Cash/CDs
25% - Multi-Family Investment Real Estate.
Just turned 60 (retired three years). I don't do mutual funds or ETFs but research each stock and muni I buy.
This allocation has worked well for me.
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04-14-2020, 07:00 PM
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#115
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Recycles dryer sheets
Join Date: Nov 2015
Location: Fort Myers, FL & Lake Of the Ozarks, MO
Posts: 230
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55% Stock 45% Bonds/Cash --- I am thinking of pulling some cash that is sitting in my IRA penalty free, as I am 58
__________________
Live Life
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04-14-2020, 09:26 PM
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#116
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Thinks s/he gets paid by the post
Join Date: Jun 2002
Posts: 1,637
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About half fixed income - combination of MM funds, CDs, I-Bonds, bond mutual funds.
__________________
friar1610
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04-15-2020, 04:17 PM
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#117
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Thinks s/he gets paid by the post
Join Date: Jan 2017
Location: Des Moines
Posts: 1,389
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70% bonds/money market here.
__________________
Retired in 2013 and we are living the dream!
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04-15-2020, 05:13 PM
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#118
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Recycles dryer sheets
Join Date: Dec 2018
Posts: 129
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94% cash...retiring in May...we will both have pensions to help as well. Before this virus nightmare we were up to 50/50 
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04-15-2020, 05:40 PM
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#119
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Thinks s/he gets paid by the post
Join Date: Jul 2009
Location: North Scottsdale
Posts: 1,545
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38% Bonds, 2% cash. Live off dividends, pension and a consulting retainer.
__________________
FIRE'D in July 2009 at 51...Never look back!
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04-15-2020, 05:42 PM
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#120
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Thinks s/he gets paid by the post
Join Date: Jan 2013
Location: SoCal, Lausanne
Posts: 4,408
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100%
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