What ratio are you stocks/bonds and how old are you?
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Re: What ratio are you stocks/bonds and how old are you?
58
36ish/64ish
36ish/64ish
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Re: What ratio are you stocks/bonds and how old are you?
Age: 45
77% Stock (22% of which is international)
17% Bonds (slowly increasing that to 20%)
4% Cash
77% Stock (22% of which is international)
17% Bonds (slowly increasing that to 20%)
4% Cash
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Re: What ratio are you stocks/bonds and how old are you?
100 equities. Age 37. Depending on what life expectancies look like and the total portfolio size, we'll begin transitioning at 3% a year (through either contribution changes or rebalancing--depending on annual equity performance) at either 50 or 55--depending on whether the goal is to hit 60/40 or 70/30 at age 65. We'll likely aim for 70/30 because I'll likely have pension in addition to SS and a rental property that cash flows well. I'm surprised by how conservative some younger members in this thread are. If you won't touch the money for decades, it should be 100% equities imo. The data is very clear that the average ROR is higher, and you have no risk of withdrawal in a down market due to age. I suspect Lehman Brothers and 2008 traumatized an entire generation.
It's very different for some trusts I manage, but those have annual payment obligations.
It's very different for some trusts I manage, but those have annual payment obligations.
- AnnetteLouisan
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Re: What ratio are you stocks/bonds and how old are you?
54
40:45:15
bonds/cash/stock indexes
heading to 33/33/33 approx
40:45:15
bonds/cash/stock indexes
heading to 33/33/33 approx
Re: What ratio are you stocks/bonds and how old are you?
40
100/0
I don't use bonds. I use periodic stock investing as a down market hedge.
100/0
I don't use bonds. I use periodic stock investing as a down market hedge.
Re: What ratio are you stocks/bonds and how old are you?
Ages 60 & 58
65%/35% stocks/bonds in retirement accounts
65%/35% stocks/bonds in retirement accounts
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Re: What ratio are you stocks/bonds and how old are you?
Ages 61 both DW and I. 65% equities, 35% bonds mix of munis intermediate and short term, total bond and LTT. Tiny pension non-COLA in 4 yrs. SS spouse in 5 yrs, SS me at 70. Retirement October first 2021.
Re: What ratio are you stocks/bonds and how old are you?
Age: 45
64% Stock (hopefully increasing to 70%)
26% Bonds
10% Cash
64% Stock (hopefully increasing to 70%)
26% Bonds
10% Cash
Re: What ratio are you stocks/bonds and how old are you?
Always a fun thread ... I am 68 and 1/3 years old and my spousal unit is a year younger than me. I compute our allocation two ways.
1) Including two guaranteed funds (currently yielding 4%) my allocation is 40% equities and 60% bonds and for this purpose I am including my guaranteed funds as part of my bond allocation.
2) Excluding my guaranteed funds I am 60% equities and 40% bonds. The argument for excluding my guaranteed funds is that I am currently taking interest only payments from them to fund a portion of my living expense so in a sense they are the equivalent of a pension that is not indexed for inflation. I suspect that most people with pensions measure and share their portfolio allocation excluding their pension.
For now I am happy with my allocation. I will also note that excluding my guaranteed funds my portfolio is composed of a small handful of index funds. I have a total international equity fund that composes 20% of my equities and I do not have, nor do I want, an international bond fund.
I would be interested in hearing from people with pensions how they measure and report their allocation. Do they just look at this excluding their pension(s), do they compute the net present value of their pension(s) and include that amount as part their bond allocation, or do they do something else?
1) Including two guaranteed funds (currently yielding 4%) my allocation is 40% equities and 60% bonds and for this purpose I am including my guaranteed funds as part of my bond allocation.
2) Excluding my guaranteed funds I am 60% equities and 40% bonds. The argument for excluding my guaranteed funds is that I am currently taking interest only payments from them to fund a portion of my living expense so in a sense they are the equivalent of a pension that is not indexed for inflation. I suspect that most people with pensions measure and share their portfolio allocation excluding their pension.
For now I am happy with my allocation. I will also note that excluding my guaranteed funds my portfolio is composed of a small handful of index funds. I have a total international equity fund that composes 20% of my equities and I do not have, nor do I want, an international bond fund.
I would be interested in hearing from people with pensions how they measure and report their allocation. Do they just look at this excluding their pension(s), do they compute the net present value of their pension(s) and include that amount as part their bond allocation, or do they do something else?
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Re: What ratio are you stocks/bonds and how old are you?
Age 65 & 70.
50/50.
50 Stock / 35 Bonds / 15 Cash, CD.
50/50.
50 Stock / 35 Bonds / 15 Cash, CD.
Re: What ratio are you stocks/bonds and how old are you?
Age 41, 35% in equities and I plan to ramp it upto 50%, in the next 2 years using value averaging plan.
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Re: What ratio are you stocks/bonds and how old are you?
10 yrs for sure. I am hoping that 10 yrs will ensure my kid will finish his college and will have his future set.skierincolorado wrote: ↑Fri Sep 10, 2021 6:23 pmHow much longer do you plan to work for? Total value of investments relative to future earnings? If planning to work for another 10-15 years with a decent savings rate, I’d say you’re goodsundevil_jay wrote: ↑Fri Sep 10, 2021 6:18 pm 85/7.5/7.5 (stocks/bonds/cash) - at age 45.
is it too aggressive?
Our current household earning is close to 9% of the total value of investments including real estate.
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Re: What ratio are you stocks/bonds and how old are you?
here's a data point - 62 years old and don't know my allocation. probably was near 75% stock until mom gave me a pile of cash which is currently in t-bills.
Re: What ratio are you stocks/bonds and how old are you?
I am 62 and will retire in 4 years. My AA is 75/25 and quite comfortable with it.
To err is human, but when the eraser wears out ahead of the pencil, you are overdoing it.---Josh Jenkins
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Re: What ratio are you stocks/bonds and how old are you?
Mid-forties. 90/10. Slowly trying to get to 85/15.
“At some point you are trading time you will never get back for money you will never spend.“ |
“How do you want to spend the best remaining year of your life?“
Re: What ratio are you stocks/bonds and how old are you?
age 69
53%/47%
53%/47%
Re: What ratio are you stocks/bonds and how old are you?
62/38 (36X/15X, after tax)
Early 60s
Early 60s
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Re: What ratio are you stocks/bonds and how old are you?
30s.
95% treasuries in taxable.
5% equities.
75% equities in retirement.
25% treasuries.
Going to get more aggressive in the retirement account but need to keep the non-retirement account funds safe.
95% treasuries in taxable.
5% equities.
75% equities in retirement.
25% treasuries.
Going to get more aggressive in the retirement account but need to keep the non-retirement account funds safe.
Re: What ratio are you stocks/bonds and how old are you?
62, retired 18 years
No bonds. Wouldn't lend to anyone who has their own money printing press and as such has no need to borrow. As for corporate bonds - prefer instead to shift the risk over to the stock side. Figure that we'll have enough 'bonds' integral within pensions.
Choice of owning three houses, living in one, renting two
OR
Land (house), gold, art .. old generational wealth style
OR
Land (house), gold, stocks
... and we prefer the latter. No tenant hassles. No keen eye for art needed. Can be geopolitical risk diversified (three countries). Currency and asset diversified. Income production diversified across imputed rent, dividends, SWR and pensions income (state pension income still pending living some more years yet).
A 30 year 0% real TIPS ladder returns your inflation adjusted money via 30 yearly 3.33% (SWR) instalments. Stock/gold tends to do the same, but unlike TIPS that leave nowt at the end are inclined to end with a residual amount comparable to the inflation adjusted start date amount. Have cake and eat it. In a bad case, more often more.
Could be considered as home + imputed compares to stocks + dividends, so 66% equities, and 33% gold being similar to a undated bond. So as a ratio to compare to others that prefer stocks/bond, 67/33 (PV).
No bonds. Wouldn't lend to anyone who has their own money printing press and as such has no need to borrow. As for corporate bonds - prefer instead to shift the risk over to the stock side. Figure that we'll have enough 'bonds' integral within pensions.
Choice of owning three houses, living in one, renting two
OR
Land (house), gold, art .. old generational wealth style
OR
Land (house), gold, stocks
... and we prefer the latter. No tenant hassles. No keen eye for art needed. Can be geopolitical risk diversified (three countries). Currency and asset diversified. Income production diversified across imputed rent, dividends, SWR and pensions income (state pension income still pending living some more years yet).
A 30 year 0% real TIPS ladder returns your inflation adjusted money via 30 yearly 3.33% (SWR) instalments. Stock/gold tends to do the same, but unlike TIPS that leave nowt at the end are inclined to end with a residual amount comparable to the inflation adjusted start date amount. Have cake and eat it. In a bad case, more often more.
Could be considered as home + imputed compares to stocks + dividends, so 66% equities, and 33% gold being similar to a undated bond. So as a ratio to compare to others that prefer stocks/bond, 67/33 (PV).
Re: What ratio are you stocks/bonds and how old are you?
Age 74
1-35% stocks
2- 35% TIPS
3- 30% real estate
#1 is my risk portfolio
#2 is my floor portfolio
#3 is my LTCi
1-35% stocks
2- 35% TIPS
3- 30% real estate
#1 is my risk portfolio
#2 is my floor portfolio
#3 is my LTCi
Re: What ratio are you stocks/bonds and how old are you?
We are 42
Copying VTIVX glide slope, which is about 14% bonds now.
Copying VTIVX glide slope, which is about 14% bonds now.
- Charles Joseph
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Re: What ratio are you stocks/bonds and how old are you?
60/40. Age 59. Retired four weeks ago. Feel comfortable here, and all the math/monte carlos say I should be comfortable and okay here given my situation. So here I shall stay.
"The big money is not in the buying and selling, but in the waiting." - Charles Munger
Re: What ratio are you stocks/bonds and how old are you?
29 & 30; 100% stocks
Work in healthcare and my spouse is an executive assistant at a private equity firm--feel like our incomes are more bond-like, and we have (hopefully) a lot of future human capital to tap.
Work in healthcare and my spouse is an executive assistant at a private equity firm--feel like our incomes are more bond-like, and we have (hopefully) a lot of future human capital to tap.
Re: What ratio are you stocks/bonds and how old are you?
almost 70 retired, 65:35
Re: What ratio are you stocks/bonds and how old are you?
64
100% equity
David
100% equity
David
"Money will not make you happy. And happy will not make you money." - Groucho Marx
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Re: What ratio are you stocks/bonds and how old are you?
Age: 37
Retirement (tax advantaged): 100/0
Retirement + Taxable: 80/20 (taxable includes more index funds and also FI for emergency fund, car fund, etc)
Retirement (tax advantaged): 100/0
Retirement + Taxable: 80/20 (taxable includes more index funds and also FI for emergency fund, car fund, etc)
- Taylor Larimore
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Re: What ratio are you stocks/bonds and how old are you?
tc101:tc101 wrote: ↑Wed Jun 24, 2015 11:48 am I am 65 and 50/50. I am thinking about modifying this to something that changes yearly, like age minus 10 in bonds.
In spite of all the great advice here about recency and market timing I notice on this board that peoples percentage in stocks is lots higher than it was back in 2009.
How old are you, what percent are you in stocks, and why?
There is much more than "How old are you" when deciding your stock/bond allocation. My suggestion is to use Vanguard's Asset Allocation Calculator.
Best wishes.
Taylor
Jack Bogle's Words of Wisdom: "Choose a balance of stocks and bonds according to your unique circumstances--your investment objective, your time horizon, your level of comfort with risk, and your financial resources."
"Simplicity is the master key to financial success." -- Jack Bogle
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Re: What ratio are you stocks/bonds and how old are you?
I am between 80:20 90:10 static no matter of age. BTW, I have two pensions and SS.
Re: What ratio are you stocks/bonds and how old are you?
I'm 54, planning to retire in 5 years and am currently about 90/10. I'm not sure if that's a good idea or not. Been contemplating upping my bonds for a couple years and have gotten close, but can never pull the trigger. Bonds scare me more than stocks I don't know why. I'm thinking if I want to up my allocation that now is probably the ideal time to do it.
Re: What ratio are you stocks/bonds and how old are you?
In my 50s now. Have been 90/10 for 30+ years.
Re: What ratio are you stocks/bonds and how old are you?
55/45 @ 62
We are supposed to be 50/50 at retirement in 6 months but stocks keep going up. At this rate we'll have to spend stocks next year instead of our bridging fund. We begin a rising equities glide path at the end of the year but are already at the end of 2024 AA. Of course a lot can happen in 5-17 months. That is why we have a bridging fund.
We are supposed to be 50/50 at retirement in 6 months but stocks keep going up. At this rate we'll have to spend stocks next year instead of our bridging fund. We begin a rising equities glide path at the end of the year but are already at the end of 2024 AA. Of course a lot can happen in 5-17 months. That is why we have a bridging fund.
1/3rd VTWAX, 1/3rd Wellington, 1/3rd G Fund |
All models are wrong. Some are useful.
Re: What ratio are you stocks/bonds and how old are you?
Age 77, 77% stks/23% bonds/cash/mmf
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Re: What ratio are you stocks/bonds and how old are you?
61 & 57
85 stocks / 10 bonds / 5 cash
Stick to this asset allocation hard & tight.
Retired, bonds & cash would last about 5 years of normal to high living expenses. Also have small pension, plan to take SS at 70.
This is the least aggressive my asset allocation has ever been. I actually can’t stomach any less aggressive asset allocation!
Switched from lifetime of heavy U.S tilt to global market cap this year.
All stocks and bonds are vanilla indexed, except for ibonds.
85 stocks / 10 bonds / 5 cash
Stick to this asset allocation hard & tight.
Retired, bonds & cash would last about 5 years of normal to high living expenses. Also have small pension, plan to take SS at 70.
This is the least aggressive my asset allocation has ever been. I actually can’t stomach any less aggressive asset allocation!
Switched from lifetime of heavy U.S tilt to global market cap this year.
All stocks and bonds are vanilla indexed, except for ibonds.
Last edited by SpanishInquisition on Sat Sep 16, 2023 12:24 pm, edited 4 times in total.
Re: What ratio are you stocks/bonds and how old are you?
Age 66 semi retired, spouse 65 both retiring in 1-2 years --- 73/27, nearly all total stock & bond mkt index funds, some municipal bonds, 3% of the 27 is cash (dry powder to invest).
Simple, passive, effective - the Bogle way...
Re: What ratio are you stocks/bonds and how old are you?
Age 76, 63 stock, 17 bond, balance in MM
Re: What ratio are you stocks/bonds and how old are you?
both in mid40s. 85%stocks 15% intermediate bond & money market. I was 90%-95% stock a couple of year ago
Re: What ratio are you stocks/bonds and how old are you?
Age 50.
65/35-70/30
65/35-70/30
Re: What ratio are you stocks/bonds and how old are you?
47, and I actually don’t know…
Probably 90/10, will go 70/30 slowly over the next two years…
The 10% is all in short term treasuries.
Probably 90/10, will go 70/30 slowly over the next two years…
The 10% is all in short term treasuries.
Re: What ratio are you stocks/bonds and how old are you?
I’m 47 also.
84% stocks, 16% cash, 0% bonds.
This is actually the most conservative my portfolio has been in years.
In any event, it is fine for now, I feel no rush to go more aggressive.
84% stocks, 16% cash, 0% bonds.
This is actually the most conservative my portfolio has been in years.
In any event, it is fine for now, I feel no rush to go more aggressive.
- stevewolfe
- Posts: 1676
- Joined: Fri Oct 10, 2008 7:07 pm
Re: What ratio are you stocks/bonds and how old are you?
51 with 14 year LMP TIPS ladder from early retirement to Social Security at 70 fully funded. Risk portfolio is 50% stock, 40% bonds and 10% money market / I-bonds (basically inflation protected cash).
Re: What ratio are you stocks/bonds and how old are you?
79 and 73. 62% stock 34% bonds 4% cash
wait until next year!
Re: What ratio are you stocks/bonds and how old are you?
Mid 50’s.
Retired 11 years ago.
99% US stocks, 1% cash.
Had this same AA since I started investing in 1997 and have stayed the course.
Retired 11 years ago.
99% US stocks, 1% cash.
Had this same AA since I started investing in 1997 and have stayed the course.
“When there are multiple solutions to a problem, choose the simplest one.” ― John C. Bogle
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Re: What ratio are you stocks/bonds and how old are you?
I notice that I responded back in 2015 to this thread - so may as well update. Early 60's now, and at 33/67, which is about where I was 8 years ago.
Best regards, -Op |
|
"In the middle of difficulty lies opportunity." Einstein
Re: What ratio are you stocks/bonds and how old are you?
Early 50s
55% stocks (VTSAX, VTI, VOO, etc)
45% TIAA Trad (5.6% across all vintages)
55% stocks (VTSAX, VTI, VOO, etc)
45% TIAA Trad (5.6% across all vintages)
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Re: What ratio are you stocks/bonds and how old are you?
40ish/40ish
75/25 stocks/cash
We have five kids and a lot of college expenses to pay during the next 10-15 years, so we need to keep some cash for that.
75/25 stocks/cash
We have five kids and a lot of college expenses to pay during the next 10-15 years, so we need to keep some cash for that.
25% VTI | 25% VXUS | 12.5% AVUV | 10% AVDV | 2.5% VWO | 25% BND/SCHR/SCHP
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Re: What ratio are you stocks/bonds and how old are you?
Wife and I both 35, 100% equities (80 US/20 ex US), plan to add bonds 5% every 5 years starting at 40.
Re: What ratio are you stocks/bonds and how old are you?
Late 50’s. 40/60 for the last 5 years, since early retirement.
Re: What ratio are you stocks/bonds and how old are you?
We are 55 years old
92% equities
2% bonds
6% cash
92% equities
2% bonds
6% cash
Re: What ratio are you stocks/bonds and how old are you?
51 years old
90% equities
7% bonds
3% cash
90% equities
7% bonds
3% cash