Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
What's your very high-level strategy?
Old 11-01-2020, 09:01 PM   #1
Dryer sheet aficionado
 
Join Date: Nov 2020
Posts: 28
What's your very high-level strategy?

I don't mean specific stocks or funds...for example for me I'm about:

40% large cap funds
40% small/mid cap
10% specialty
10% bonds

I've been aggressive and so had little in bonds actually and trying to make up ground as I'm 50something. But I've never been a bond fan and even now second-guessing that.
motley is offline   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 11-01-2020, 09:07 PM   #2
Thinks s/he gets paid by the post
2017ish's Avatar
 
Join Date: Apr 2012
Location: Nashville
Posts: 2,047
Until a year or two before retirement, we had no emergency fund and no bonds. We gradually moved to 40% "bonds" (short term, investment grade) within a year after retirement, with a small value and balanced international tilt on our equities.

__________
Edited to add: we had two uncorrelated incomes, each of which easily covered our expenses. As always, YMMV.
__________________
OMY * 3 2ish Done 7.28.17
2017ish is online now   Reply With Quote
Old 11-01-2020, 09:08 PM   #3
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 28,020
Most people here call that asset allocation.
__________________
Retired since summer 1999.
audreyh1 is offline   Reply With Quote
Old 11-01-2020, 09:10 PM   #4
Dryer sheet aficionado
 
Join Date: Nov 2020
Posts: 28
Quote:
Originally Posted by audreyh1 View Post
Most people here call that asset allocation.
So you don't know your own strategy? Yikes.
motley is offline   Reply With Quote
Old 11-01-2020, 09:16 PM   #5
Dryer sheet aficionado
 
Join Date: Nov 2020
Posts: 28
Quote:
Originally Posted by 2017ish View Post
Until a year or two before retirement, we had no emergency fund and no bonds. We gradually moved to 40% "bonds" (short term, investment grade) within a year after retirement, with a small value and balanced international tilt on our equities.
I had thought about such a strategy...going low on bonds for most of my life has worked out quite well...but as the years creep up I'm realizing a need for a shift. When and how is the debate.
motley is offline   Reply With Quote
Old 11-01-2020, 09:25 PM   #6
Moderator Emeritus
aja8888's Avatar
 
Join Date: Apr 2011
Location: The Woodlands, TX
Posts: 12,193
Quote:
Originally Posted by motley View Post
So you don't know your own strategy? Yikes.
You are new here...right?

My very high level strategy is to stay healthy, alive and be retired. Everything else is small stuff.
__________________
Everyone has a plan until they get punched in the mouth...philosopher Mike Tyson
aja8888 is offline   Reply With Quote
Old 11-01-2020, 09:30 PM   #7
Dryer sheet aficionado
 
Join Date: Nov 2020
Posts: 28


I think it was quite obvious in the OP what I meant. If people don't want to answer that's certainly their prerogative.
motley is offline   Reply With Quote
Old 11-01-2020, 09:34 PM   #8
Moderator Emeritus
aja8888's Avatar
 
Join Date: Apr 2011
Location: The Woodlands, TX
Posts: 12,193
Quote:
Originally Posted by motley View Post


I think it was quite obvious in the OP what I meant. If people don't want to answer that's certainly their prerogative.
Here's a thread for you to check out. If you haven't already done so, please introduce yourself to the members:

https://www.early-retirement.org/forums/f26/
__________________
Everyone has a plan until they get punched in the mouth...philosopher Mike Tyson
aja8888 is offline   Reply With Quote
Old 11-01-2020, 09:53 PM   #9
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 28,020
Quote:
Originally Posted by motley View Post
So you don't know your own strategy? Yikes.
Huh? - how did you get there?
__________________
Retired since summer 1999.
audreyh1 is offline   Reply With Quote
Old 11-01-2020, 10:06 PM   #10
Administrator
Gumby's Avatar
 
Join Date: Apr 2006
Posts: 15,767
Quote:
Originally Posted by motley View Post
So you don't know your own strategy? Yikes.
Motley, my new friend. Your first post in this thread is indeed what most people here know as asset allocation, not high level strategy. I'm fairly certain that Audrey, having been retired for longer than most of us have been on this forum (maybe for longer than this board has existed), knows her asset allocation (aka "High Level Strategy"). Perhaps you could cool your jets.
__________________
Living an analog life in the Digital Age.
Gumby is online now   Reply With Quote
Old 11-01-2020, 11:04 PM   #11
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
ls99's Avatar
 
Join Date: May 2008
Posts: 5,524
Hmmm, lemme see, the stock pages pinned to a dart board, blindfolded, throw four darts, then see where they land.
__________________
There must be moderation in everything, including moderation.
ls99 is offline   Reply With Quote
Old 11-02-2020, 04:33 AM   #12
Full time employment: Posting here.
Bryan Barnfellow's Avatar
 
Join Date: Feb 2004
Location: Switzerland
Posts: 727
Motley: some advice:

It's usually useful for new members to introduce themselves, read the stickys, and do some searching of the forum before asking questions that might have reams of information already in the message board. Also, prickly pears don't tend to do well here.

With respect to your question. I think we need more information. Asset allocation strategies don't exist in a vacuum. What is your risk tolerance, for example, and when do you expect to retire? What are your investment goals? Like that.

-BB
__________________
FIREd, April 1, 2015. My Retirement Benefits Package includes: 6 months vacation, twice a year.
Bryan Barnfellow is offline   Reply With Quote
Old 11-02-2020, 05:46 AM   #13
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jan 2018
Location: Tampa
Posts: 7,378
Quote:
Originally Posted by motley View Post
So you don't know your own strategy? Yikes.
Picking on the wrong member. Audreyh1 is one of the most knowledgeable members on the board and has been retired since 1999. I think she understands asset allocation.
__________________
TGIM
Dtail is offline   Reply With Quote
Old 11-02-2020, 06:50 AM   #14
Thinks s/he gets paid by the post
 
Join Date: Mar 2009
Posts: 2,411
Quote:
Originally Posted by Dtail View Post
Picking on the wrong member. Audreyh1 is one of the most knowledgeable members on the board and has been retired since 1999. I think she understands asset allocation.
My thoughts exactly.
__________________
Took SS at 62 and hope I live long enough to regret the decision.
foxfirev5 is offline   Reply With Quote
Old 11-02-2020, 05:26 PM   #15
Dryer sheet aficionado
 
Join Date: May 2018
Posts: 47
Quote:
Originally Posted by aja8888 View Post
You are new here...right?

My very high level strategy is to stay healthy, alive and be retired. Everything else is small stuff.

My strategy is to get to your strategy
monte1022 is offline   Reply With Quote
Old 11-02-2020, 05:50 PM   #16
Thinks s/he gets paid by the post
Souschef's Avatar
 
Join Date: Dec 2015
Location: Santa Paula
Posts: 3,118
Quote:
Originally Posted by aja8888 View Post
You are new here...right?

My very high level strategy is to stay healthy, alive and be retired. Everything else is small stuff.
+100
__________________
Retired Jan 2009 Have not looked back.
AA 60/35/5 considering SS and pensions a SP annuity
WR 2% with 2SS & 2 Pensions
Souschef is online now   Reply With Quote
Old 11-02-2020, 06:11 PM   #17
Moderator
rodi's Avatar
 
Join Date: Apr 2012
Location: San Diego
Posts: 11,565
My strategy - Don't Panic.
(Came in handy in March and last week.)

That is really the strategy for investing - don't sell out of fear, just rebalance periodically no matter what the market does.

Now rebalancing brings us to asset allocation - that's what I rebalance to. I try to keep about 60% total stock (most large cap US, but some in int'l and some in small cap.) and 40% fixed - which in my case is bonds, and some cash (cds).

Welcome to the forum.
__________________
Retired June 2014. No longer an enginerd - now I'm just a nerd.
micro pensions 7%, rental income 18%
rodi is offline   Reply With Quote
Old 11-02-2020, 06:25 PM   #18
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
MRG's Avatar
 
Join Date: Apr 2013
Posts: 9,493
I'm confused; are we talking about asset allocation or strategies about life or something else?
MRG is offline   Reply With Quote
Old 11-02-2020, 06:47 PM   #19
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
target2019's Avatar
 
Join Date: Dec 2008
Location: Stuck in the mud somewhere in the swamps of Jersey
Posts: 6,814
Our High-Level Strategy is to stay on the high road.

Our Asset Allocation is 50/50. Probably drifting to 45/45/10(cash).
target2019 is offline   Reply With Quote
Old 11-02-2020, 06:54 PM   #20
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
target2019's Avatar
 
Join Date: Dec 2008
Location: Stuck in the mud somewhere in the swamps of Jersey
Posts: 6,814
Quote:
Originally Posted by motley View Post
I don't mean specific stocks or funds...for example for me I'm about:

40% large cap funds
40% small/mid cap
10% specialty
10% bonds

I've been aggressive and so had little in bonds actually and trying to make up ground as I'm 50something. But I've never been a bond fan and even now second-guessing that.
Around here that is called asset allocation (AA). There are many ways to get from 90% stock to your target allocation for retirement.

Some people are saying you can drift down by 1% each year or some other percentage to get to your target.

What's your target asset allocation?
target2019 is offline   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
High Moisture Level Crawl Space? Midpack Other topics 23 11-05-2019 09:33 AM
May get a job, but health insurance is very high. Need advice paulb Health and Early Retirement 3 09-06-2014 06:26 AM
My Ipod suddenly talks very, very fast haha Other topics 2 04-04-2012 10:54 PM
High Fasting Glucose Level TromboneAl Health and Early Retirement 81 07-27-2010 01:03 PM
A very thoughtful questioning of the buy and hold strategy to investing in equities.. LARS FIRE and Money 28 06-19-2010 04:10 PM

» Quick Links

 
All times are GMT -6. The time now is 01:23 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.