Originally Posted by rollergrrl
Questions and thoughts... Being a super saver (someone who saves 50+ percentage of their income) should they have a more of a conservative asset allocation than someone who only saves 15% of income.
as a super saver , would tilting your investment focus ( current buying ) towards the current 'best deal ' be a better option ,
asset allocation implies some diversity , and assuming you aren't near retirement yet , the opportunities should level out by the time you have retired
in my case all those nice interest-bearing securities bought between 2011 and 2015 have matured ( or redeemed ) and there are only low quality replacements available , so i am more inclined to buy extra ( listed ) property trusts than extra shares with the excess cash ( since bank interest is low ).
so what about being more opportunistic ( without taking excessive risks ) and changing any buying bias as value arrives , in each asset class
a 50% saving rate implies you shouldn't need to sell-down your investments in a financial emergency ( like a 10% saver might be pressured into ) ... just invest less that year( s) .