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What's your very high-level strategy?
11-01-2020, 08:01 PM
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#1
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Dryer sheet aficionado
Join Date: Nov 2020
Posts: 40
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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.
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11-01-2020, 08:07 PM
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#2
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Thinks s/he gets paid by the post
Join Date: Apr 2012
Location: Nashville
Posts: 2,506
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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.
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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
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11-01-2020, 08:08 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: Jan 2006
Location: Rio Grande Valley
Posts: 38,140
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Most people here call that asset allocation.
__________________
Retired since summer 1999.
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11-01-2020, 08:10 PM
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#4
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Dryer sheet aficionado
Join Date: Nov 2020
Posts: 40
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Quote:
Originally Posted by audreyh1
Most people here call that asset allocation.
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So you don't know your own strategy? Yikes.
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11-01-2020, 08:16 PM
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#5
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Dryer sheet aficionado
Join Date: Nov 2020
Posts: 40
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Quote:
Originally Posted by 2017ish
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.
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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.
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11-01-2020, 08:25 PM
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#6
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Moderator Emeritus
Join Date: Apr 2011
Location: Conroe, Texas
Posts: 18,727
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Quote:
Originally Posted by motley
So you don't know your own strategy? Yikes.
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You are new here...right?
My very high level strategy is to stay healthy, alive and be retired. Everything else is small stuff.
__________________
*********Go Yankees!*********
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11-01-2020, 08:30 PM
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#7
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Dryer sheet aficionado
Join Date: Nov 2020
Posts: 40
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I think it was quite obvious in the OP what I meant. If people don't want to answer that's certainly their prerogative.
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11-01-2020, 08:34 PM
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#8
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Moderator Emeritus
Join Date: Apr 2011
Location: Conroe, Texas
Posts: 18,727
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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/
__________________
*********Go Yankees!*********
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11-01-2020, 08:53 PM
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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: Jan 2006
Location: Rio Grande Valley
Posts: 38,140
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Quote:
Originally Posted by motley
So you don't know your own strategy? Yikes.
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Huh? - how did you get there?
__________________
Retired since summer 1999.
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11-01-2020, 09:06 PM
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#10
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Administrator
Join Date: Apr 2006
Posts: 23,037
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Quote:
Originally Posted by motley
So you don't know your own strategy? Yikes.
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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.
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11-01-2020, 10:04 PM
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#11
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2008
Posts: 6,506
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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.
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11-02-2020, 03:33 AM
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#12
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Thinks s/he gets paid by the post
Join Date: Feb 2004
Location: Switzerland
Posts: 1,047
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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.
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11-02-2020, 04:46 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: Jan 2018
Location: Tampa
Posts: 11,298
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Quote:
Originally Posted by motley
So you don't know your own strategy? Yikes.
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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
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11-02-2020, 05:50 AM
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#14
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Thinks s/he gets paid by the post
Join Date: Mar 2009
Posts: 2,985
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__________________
Took SS at 62 and hope I live long enough to regret the decision.
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11-02-2020, 04:26 PM
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#15
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Recycles dryer sheets
Join Date: May 2018
Posts: 177
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Quote:
Originally Posted by aja8888
You are new here...right?
My very high level strategy is to stay healthy, alive and be retired. Everything else is small stuff.
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My strategy is to get to your strategy
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11-02-2020, 04:50 PM
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#16
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Thinks s/he gets paid by the post
Join Date: Dec 2015
Location: Santa Paula
Posts: 4,076
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Quote:
Originally Posted by aja8888
You are new here...right?
My very high level strategy is to stay healthy, alive and be retired. Everything else is small stuff.
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+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
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11-02-2020, 05:11 PM
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#17
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Moderator
Join Date: Apr 2012
Location: San Diego
Posts: 14,212
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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 6%, rental income 20%
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11-02-2020, 05:25 PM
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#18
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2013
Posts: 11,078
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I'm confused; are we talking about asset allocation or strategies about life or something else?
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11-02-2020, 05:47 PM
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#19
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2008
Location: On a hill in the Pine Barrens
Posts: 9,719
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Our High-Level Strategy is to stay on the high road.
Our Asset Allocation is 50/50. Probably drifting to 45/45/10(cash).
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11-02-2020, 05:54 PM
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#20
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2008
Location: On a hill in the Pine Barrens
Posts: 9,719
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Quote:
Originally Posted by motley
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.
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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?
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