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07-20-2020, 03:45 PM
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#1
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Recycles dryer sheets
Join Date: Mar 2017
Location: Mid Town
Posts: 119
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70/30 60/40 Portfolio
For those who use this AA I am looking for recommendations on where to put the 30/40 part of the portfolio.
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07-20-2020, 04:03 PM
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#2
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Mar 2003
Posts: 18,085
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t the moment, I am mostly cash and bonds, but I normally shoot for 60-65/35-40. The non equity piece is in a mix of bond index funds (total bond index), CDs (shop for best rates at credit unions), cash, and I also make use of merger arbitrage funds (MERFX and ARBFX).
__________________
"All animals are equal, but some animals are more equal than others."
- George Orwell
Ezekiel 23:20
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07-20-2020, 04:37 PM
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#3
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Mar 2017
Location: City
Posts: 10,351
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Ours is mostly in TIPS.
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07-20-2020, 04:59 PM
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#4
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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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CD's and Stable Value fund with cash in online savings.
__________________
TGIM
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07-20-2020, 05:21 PM
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#5
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Mar 2016
Posts: 8,968
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CA muni's, double tax free.
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07-20-2020, 07:08 PM
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#6
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Thinks s/he gets paid by the post
Join Date: Aug 2015
Posts: 1,890
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All of my 40 is in a stable value fund in my 401k. I do have a little in the TSP G fund.
__________________
Consistently sets low goals and fails to achieve them.
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07-20-2020, 09:23 PM
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#7
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Thinks s/he gets paid by the post
Join Date: Oct 2010
Posts: 1,225
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The majority of mine is in Vanguard Total Bond, VBTLX.
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07-21-2020, 03:05 AM
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#8
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Recycles dryer sheets
Join Date: Mar 2012
Posts: 388
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Most of my 40% of my 60/40 is in total bond index funds such as FSNAX. I like to keep 3 to 4 years spending in cash equivalents like high yield CD's spread out under the FDIC limit.
__________________
FIRE'd---4/27/2018 @ 54. DW--RE date 03/01/19.
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07-21-2020, 05:06 AM
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#9
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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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Mine is mostly individual, investment grade corporate bonds.
__________________
"The mountains are calling, and I must go." John Muir
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07-21-2020, 06:38 AM
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#10
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Thinks s/he gets paid by the post
Join Date: Oct 2017
Location: Tellico Village
Posts: 2,622
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25% of my fixed income is in mortgage loans to individuals, 70% is in 2 intermediate bond funds, and 5% is in cash within a high interest rewards checking account.
__________________
Retired May 13th(Friday) 2016 at age 61.
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07-21-2020, 09:03 AM
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#11
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Recycles dryer sheets
Join Date: Feb 2014
Location: Austin
Posts: 247
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I put mine in short-term (1 to 5 year) treasuries. Short term bonds would also work.
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07-21-2020, 09:24 AM
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#12
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Thinks s/he gets paid by the post
Join Date: Jan 2017
Location: Hog Mountian
Posts: 2,077
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TIPS for longer term, CD's for Shorter duration, cash for a year.
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Never let yesterday use up too much of today.
W. Rogers
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07-21-2020, 10:49 AM
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#13
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Feb 2006
Location: Washington, DC
Posts: 11,328
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We are at about 33% bonds. Most is in VG Total Bond. About 20% of bonds are in TSP G.
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Idleness is fatal only to the mediocre -- Albert Camus
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07-21-2020, 11:16 AM
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#14
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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: 21,303
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Mostly VBTLX and online savings, with some VFSUX and VWIUX.
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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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07-21-2020, 04:20 PM
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#15
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: May 2006
Location: west coast, hi there!
Posts: 8,809
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 Quote:
Originally Posted by augam
For those who use this AA I am looking for recommendations on where to put the 30/40 part of the portfolio.
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I would lean towards the heavier stock allocation as we get to a point where vaccine trials are effective (results of phase 3 trials, fingers crossed). Part of my planned heavier stock allocation eventually will be using a moving average approach since this timing approach has a history of beating bonds. Somewhat controversial here but in the tax deferred part of portfolio to complement a buy-hold equity portfolio.
Currently for the bonds not already purchased I'm using a 50/50 mix of VFIDX / VFSUX (intermediate/short term) bonds. Since TIPS are currently negative I would not expect much from this mix. In the short term might keep up with inflation.
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