Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
70/30 60/40 Portfolio
Old 07-20-2020, 03:45 PM   #1
Recycles dryer sheets
 
Join Date: Mar 2017
Location: Mid Town
Posts: 90
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.
__________________

augam is online now   Reply With Quote
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!

Old 07-20-2020, 04:03 PM   #2
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
brewer12345's Avatar
 
Join Date: Mar 2003
Posts: 18,048
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).
__________________

__________________
"My main skills are talking and cooking biscuits. And getting drunk on the porch.


- Augustus McCrae
brewer12345 is offline   Reply With Quote
Old 07-20-2020, 04:37 PM   #3
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
OldShooter's Avatar
 
Join Date: Mar 2017
Location: City
Posts: 5,026
Ours is mostly in TIPS.
OldShooter is offline   Reply With Quote
Old 07-20-2020, 04:59 PM   #4
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jan 2018
Location: Tampa
Posts: 6,443
CD's and Stable Value fund with cash in online savings.
__________________
TGIM
Dtail is online now   Reply With Quote
Old 07-20-2020, 05:21 PM   #5
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
RobbieB's Avatar
 
Join Date: Mar 2016
Location: Central CA
Posts: 5,408
CA muni's, double tax free.
__________________
Retired at 59 in 2014. Should have done it sooner but I worried too much.
RobbieB is online now   Reply With Quote
Old 07-20-2020, 07:08 PM   #6
Full time employment: Posting here.
corn18's Avatar
 
Join Date: Aug 2015
Posts: 847
All of my 40 is in a stable value fund in my 401k. I do have a little in the TSP G fund.
__________________
Don't do something, just stand there!
corn18 is offline   Reply With Quote
Old 07-20-2020, 09:23 PM   #7
Full time employment: Posting here.
jimbee's Avatar
 
Join Date: Oct 2010
Posts: 744
The majority of mine is in Vanguard Total Bond, VBTLX.
jimbee is offline   Reply With Quote
Old 07-21-2020, 03:05 AM   #8
Recycles dryer sheets
 
Join Date: Mar 2012
Posts: 331
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.
tdv2 is offline   Reply With Quote
Old 07-21-2020, 05:06 AM   #9
Thinks s/he gets paid by the post
DrRoy's Avatar
 
Join Date: Dec 2015
Location: Michigan
Posts: 3,200
Mine is mostly individual, investment grade corporate bonds.
__________________
"The mountains are calling, and I must go." John Muir
DrRoy is offline   Reply With Quote
Old 07-21-2020, 06:38 AM   #10
Thinks s/he gets paid by the post
VanWinkle's Avatar
 
Join Date: Oct 2017
Location: Brighton
Posts: 1,485
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.
VanWinkle is offline   Reply With Quote
Old 07-21-2020, 09:03 AM   #11
Recycles dryer sheets
Navigator's Avatar
 
Join Date: Feb 2014
Location: Little Rock
Posts: 113
I put mine in short-term (1 to 5 year) treasuries. Short term bonds would also work.
Navigator is offline   Reply With Quote
Old 07-21-2020, 09:24 AM   #12
Thinks s/he gets paid by the post
Red Badger's Avatar
 
Join Date: Jan 2017
Location: Hog Mountian
Posts: 2,077
TIPS for longer term, CD's for Shorter duration, cash for a year.
__________________
Never let yesterday use up too much of today.
W. Rogers
Red Badger is offline   Reply With Quote
Old 07-21-2020, 10:49 AM   #13
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
donheff's Avatar
 
Join Date: Feb 2006
Location: Washington, DC
Posts: 10,001
We are at about 33% bonds. Most is in VG Total Bond. About 20% of bonds are in TSP G.
__________________
Every man is, or hopes to be, an Idler. -- Samuel Johnson
donheff is online now   Reply With Quote
Old 07-21-2020, 11:16 AM   #14
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: NC
Posts: 15,756
Mostly VBTLX and online savings, with some VFSUX and VWIUX.
__________________
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: 40% equity funds / 35% bond funds / 25% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
Midpack is online now   Reply With Quote
Old 07-21-2020, 04:20 PM   #15
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Lsbcal's Avatar
 
Join Date: May 2006
Location: west coast, hi there!
Posts: 7,028
Quote:
Originally Posted by augam View Post
For those who use this AA I am looking for recommendations on where to put the 30/40 part of the portfolio.
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.
__________________

Lsbcal is online now   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
lowest portfolio = starting portfolio slowsaver FIRECalc support 1 10-02-2018 06:10 PM
High Dividend Portfolio vs Portfolio Diversified Across Asset Classes ScaredtoQuit FIRE and Money 36 01-12-2007 01:24 PM
Building Higher Yield Fixed Income Portfolio DFW_M5 FIRE and Money 1 11-08-2003 01:01 PM
dual portfolio strategy Richard Treston FIRE and Money 4 10-24-2003 03:13 PM
Portfolio Survival Simulator bellert FIRE and Money 4 10-24-2003 12:03 PM

» Quick Links

 
All times are GMT -6. The time now is 06:06 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2020, vBulletin Solutions, Inc.
×