What's your very high-level strategy?

[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.

[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.

__________
Edited to add: we had two uncorrelated incomes, each of which easily covered our expenses. As always, YMMV.

[audreyh1]

Most people here call that asset allocation.

[motley]

Quote:

Originally Posted by audreyh1 Most people here call that asset allocation.

So you don't know your own strategy? Yikes.

[motley]

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.

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.

[aja8888]

Quote:

Originally Posted by motley 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.

[motley]

I think it was quite obvious in the OP what I meant. If people don't want to answer that's certainly their prerogative.

[aja8888]

Quote:

Originally Posted by motley 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/

[audreyh1]

Quote:

Originally Posted by motley So you don't know your own strategy? Yikes.

Huh? - how did you get there?

[Gumby]

Quote:

Originally Posted by motley 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.

[ls99]

Hmmm, lemme see, the stock pages pinned to a dart board, blindfolded, throw four darts, then see where they land.

[Bryan Barnfellow]

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

[Dtail]

Quote:

Originally Posted by motley 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.

[foxfirev5]

Quote:

Originally Posted by Dtail 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.

[monte1022]

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.

My strategy is to get to your strategy

[Souschef]

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.

+100

[rodi]

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.

[MRG]

I'm confused; are we talking about asset allocation or strategies about life or something else?

[target2019]

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]

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.

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?