NW-Bound
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Jul 3, 2008
- Messages
- 35,712
Now, 17% cash, 20% bonds with duration< 4 years. and 63% equities. I would sell more equity, but I am already at the limit of taxable income that I wish to have for this year.
Most of the equities are biased toward growing income and hopefully reasonably stable overall income for the entire portfolio.
So, we are not that far apart in terms of equities. I am currently at 67% equities, 7% bonds, and 26% cash. The total income from the portfolio, excluding my wife's 401k MFs which do not declare dividends, is 2.5% in the last 12 months. For comparison, the venerable S&P500 ETF SPY yields only 1.93%.
That 2.5% is computed with the stinkin' 26% cash included, which yields only 1.5%, so it's not too bad. Still, after inflation I am getting only 1% real return. Without cap gains, I must really cut back on expenses, even after getting SS if this persists.
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