What is your age and asset allocation ?

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nocebo
Posts: 71
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Re: What is your age and asset allocation ?

Post by nocebo »

Not old.
100% stocks
Dominic
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Re: What is your age and asset allocation ?

Post by Dominic »

Mid-20s

40% US Total Stock Market
20% Ex-US Developed Markets Total Stock Market
10% Emerging Markets Total Stock Market
10% US Small-Cap Value
10% Ex-US Developed Markets Small-Cap Value
10% Extended Duration Treasuries
quadog
Posts: 51
Joined: Fri Jan 04, 2019 4:25 pm

Re: What is your age and asset allocation ?

Post by quadog »

I’m in my 40s with a roughly 85/15 split. Not much allocated to international or bonds. I could get more detailed but it would be boring.
Normchad
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Re: What is your age and asset allocation ?

Post by Normchad »

52 years of age.

46% US Equities
38% US Bonds
8% Internation Equity
3% International Bonds
5% Cash/Cash Equivalent
esteen
Posts: 151
Joined: Thu May 23, 2019 12:31 am

Re: What is your age and asset allocation ?

Post by esteen »

Age 36, DW 34

Current retirement AA is 90/10, broken up further it's 65% US stock, 20% int stock, 5% REITs, 9% bonds, 1% cash. That's excluding a ~6mo expenses emergency fund and other non-retirement assets.

Under my current "glide path" 2021 is my year to slightly adjust my equity exposure from 90% to 85%.

I'd love to hear how other folks are handling their glide path. For me, I know my desired AA at retirement, and my target AA now, but I've gone back and forth on how to do the "glide" in between.

:beer
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Bluce
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Re: What is your age and asset allocation ?

Post by Bluce »

Portfolio value and net worth are not the same thing -- unless the only asset you have is your investment portfolio.

Net worth = ALL assets minus liabilities.
"There are no new ideas, only forgotten ones." -- Amity Shlaes
bambi78
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Re: What is your age and asset allocation ?

Post by bambi78 »

57 - still working, probably 6 more years
100% US stocks.
albireo13
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Re: What is your age and asset allocation ?

Post by albireo13 »

I am 65, just retired 6 months go. Wife is 60 and plans to work another 3+ yrs.
My IRA ($1M) allocation is :
64% equities/33% Bonds ... the rest in RE and cash

Wife's allocation is ... will have to loo it up. LOL
Steel Rain
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Location: Houston

Re: What is your age and asset allocation ?

Post by Steel Rain »

Mid 50's, 70/30 portfolio and about 20% physical real estate.

Steel
There is no human problem that can not be solved by High Explosives...... :)
zuma
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Location: EU

Re: What is your age and asset allocation ?

Post by zuma »

Mid 40's. Semi-retired. 60/40 with no plans to change.
donaldson
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Re: What is your age and asset allocation ?

Post by donaldson »

Late 30s, 80/20 overall.

I hold US and ex-US stocks at market cap weights, but 25% of my ex-US allocation is in emerging market bonds (which I believe are equity-like) rather than the total market.

Cash/bond/fixed income portion of the portfolio is mostly long-term treasuries, but I also consider my contributions to a pension that I am not yet vested in as "cash" for now. My emergency fund cash is also included in this percentage. I believe in counting everything as one portfolio in order to get the most accurate picture of one's risk tolerance.

Percentages change over time due to some of these factors above, but that currently makes (with some rounding):

45% Total US stock
26% Total International stock
9% Emerging market government bonds

13% Long-term treasuries
7% Cash
Visitor76
Posts: 121
Joined: Tue Mar 17, 2020 7:08 am

Re: What is your age and asset allocation ?

Post by Visitor76 »

Early 40s 100% equities

25% Growth fund
25% S&P Index fund
25% Small Cap fund
25% International fund
Wealth is not about having a lot of money; it's about having a lot of options.
Nebraska_Drought
Posts: 76
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Location: Lincoln, NE

Re: What is your age and asset allocation ?

Post by Nebraska_Drought »

Late 40's with just over $1 million in the market. My split is 75/25 and as I approach 50, I am looking to get that to be more like 70/30. I as I approach 60, I'll want to be at 60/40
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FelixTheCat
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Re: What is your age and asset allocation ?

Post by FelixTheCat »

My AA is based on The Boglehead's Guide to Retirement Planning. The book asks how much can you lose in a down market? Then double it for the amount in stocks. For example, in a severe crash I can mentally lose 25% of my money. My stock portion of my AA is 50%.
Felix is a wonderful, wonderful cat.
puravida
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Location: Central Florida

Re: What is your age and asset allocation ?

Post by puravida »

Ages are 63, semi-retired since 2017, wife also working, both will stop in the next 1-2 years. We both have pensions and 1 annuity, plus SS at 65, which covers most our expenses, so minimal withdrawals 1-2% estimated over retirement. Excess will go to kids/grandkids/charity over time.
. Prior to age 60: 80/20
. At semi-retirement: reduced to 60/40 conservatively
. 2 years later: decided that 65/35 is better & updated IPS accordingly
. Now: market gains have pushed it to 70/30
. Currently deciding if we should rebalance back to IPS 65/35, or if 70/30 is comfortable enough in retirement given our other fixed income sources.
Would welcome any feedback.
Simple, passive, effective - the Bogle way...
atdharris
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Re: What is your age and asset allocation ?

Post by atdharris »

31, nearly 100% stock. I put 10% into a bond fund in my 401k but the majority of my assets are in a taxable account in the mid six-figures
bluexray
Posts: 38
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Re: What is your age and asset allocation ?

Post by bluexray »

36

70% Stocks
20% Cash
10% Bonds
secondopinion
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Re: What is your age and asset allocation ?

Post by secondopinion »

Around 30.

For investments:
65% Stocks (50%/50% large-cap versus small- and mid-cap; 35% of stocks are international). No sector of the 11 sectors is above 15%. 60%/40% value/growth split.
35% Bonds (40%/30%/30% interest rate split (short to long); 55%/40%/5% credit split (high to low)). Hardly any are international (<5%).

Expense ratio is around 0.125% total.

Emergency Fund:
75% CDs (full 5-year ladder)
25% high yield savings account
It is better to be half-wrong than have a 50% chance of being all-wrong. With the former, you will learn and have money to try again. Otherwise, you will never learn and will have nothing eventually.
CRJPylote
Posts: 37
Joined: Sun Sep 27, 2020 7:14 pm

Re: What is your age and asset allocation ?

Post by CRJPylote »

24.

100% stocks(Am trying the HEDGEFUNDIE at around 5% of total assets, but I'll call that stock)

70% US, 30 INT. Market weights or as close as possible considering my limited 401K funds.
travelspot
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Re: What is your age and asset allocation ?

Post by travelspot »

Age 53 and at 70/30.

Was 100/0 during accumulation though, until reaching FI a few years ago. Since then have moved more into bonds in preparation for early retirement.

I know others think that was taking on too much risk but it worked for me.
If you don't do stuff, then you don't do stuff.
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beernutz
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Re: What is your age and asset allocation ?

Post by beernutz »

Me: 61, working but retiring 2021
DW: 58, retired in 2019

AA: 73% equities (95% US total market index funds) and 27% fixed income split between TIAA Traditional in my 403b, bond funds in my wife's managed Vanguard 401K, and municipal bond mutual funds in our taxable Schwab account plus cash.

After I retire late 2021 we'll be selling some equities in my 403b to supplement my pension and I think moving us towards an allocation between 65/35 and 70/30 that I hope to maintain for at least a decade.
Don't gamble; take all your savings and buy some good stock and hold it till it goes up, then sell it. If it don't go up, don't buy it. --Will Rogers
Investor1319
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Joined: Mon May 28, 2018 12:58 pm

What is Your Age and Asset Allocation?

Post by Investor1319 »

[merged this topic and its replies into the existing thread - moderator prudent]

Hi,

Overall Portfolio:

My H and I are both 53 years old. He is only earner and is owner of a small company.
80% stock (60% VTSAX, 20% VTIAX)
20% bonds in VBTLX

Investing 40% of each paycheck plus maxing out both of our IRAs annually.
Have two months of living expenses saved in Emergency Savings (savings account) and continuing to add until have at least six months savings.

H just got 401K at his company and will be maxing out this year.

I know our AA is aggressive given our age, but we are late to investing and playing catch up...

Would love to know your ages and asset allocations.

Thanks!
Last edited by Investor1319 on Sat Jan 30, 2021 6:41 pm, edited 2 times in total.
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InvestorHowie
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Re: What is Your Age and Asset Allocation?

Post by InvestorHowie »

Removed after threads were merged.
Last edited by InvestorHowie on Sun Jan 31, 2021 9:59 am, edited 3 times in total.
Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas. --Paul Samuelson
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ruralavalon
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Location: Illinois

Re: What is Your Age and Asset Allocation?

Post by ruralavalon »

Investor1319 wrote: Sat Jan 30, 2021 6:06 pm Hi,

Overall Portfolio:

53 years old
80% stock (60% VTSAX, 20% VTIAX)
20% bonds in VBTLX

I know it's aggressive given our age, but we are late to investing.

Would love to know your ages and asset allocations.

Thanks!
An asset allocation of 80/20 at age 53 is aggressive. About how long until expected retirement? About how much do you currently have invested? Are you eligible for both a significant pension and Social Security?

For a late start the better strategy is a high rate of contributions. About how much do you currently contribute investing annually?

Please simply add this to your original post using the edit button (the pencil icon near the upper right corner of your post), it helps a lot if all of your information is in one place.

We are age 75, retired 10 years, and our asset allocation is 50/50.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started
STVCT
Posts: 42
Joined: Mon Sep 28, 2020 4:59 pm

Re: What is Your Age and Asset Allocation?

Post by STVCT »

34 years old.

62% Domestic Index
19% International Index
14% Reit Index
5% Fixed Income (Stable Value Fund)

I would love a good roasting on this
Triple digit golfer
Posts: 7251
Joined: Mon May 18, 2009 5:57 pm

Re: What is Your Age and Asset Allocation?

Post by Triple digit golfer »

Age 35 couple

52% U.S. equities (mostly S&P 500, some total market)
28% international market
20% U.S. bonds
ofthewoods
Posts: 40
Joined: Mon Dec 28, 2020 11:48 am

Re: What is Your Age and Asset Allocation?

Post by ofthewoods »

I'm 29, wife is 30.

60% Domestic Index
35% International Index (in process of increasing to 40%)
5% Bonds
UpperNwGuy
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Re: What is Your Age and Asset Allocation?

Post by UpperNwGuy »

Recommend this new thread be combined with the existing lengthy thread on this exact same topic:

viewtopic.php?t=324381
as9
Posts: 346
Joined: Mon Jan 27, 2020 9:26 am

Re: What is Your Age and Asset Allocation?

Post by as9 »

36, 100/0 (70/30 US/Intl)
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JoeRetire
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Re: What is Your Age and Asset Allocation?

Post by JoeRetire »

Investor1319 wrote: Sat Jan 30, 2021 6:06 pm Would love to know your ages and asset allocations.
I can't imagine how a poll like this helps anyone.
But: 66, 60/40
It's the end of the world as we know it. | It's the end of the world as we know it. | It's the end of the world as we know it. | And I feel fine.
Marseille07
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Re: What is Your Age and Asset Allocation?

Post by Marseille07 »

Late 30s, 90/10 (100% US).
Aged Maduro
Posts: 216
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Re: What is Your Age and Asset Allocation?

Post by Aged Maduro »

Age: 41
Net Worth: $2.45 million

Asset Allocation:

Equities: 75%
Bonds: 10%
Rental RE: 15%
Broken Man 1999
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Re: What is Your Age and Asset Allocation?

Post by Broken Man 1999 »

DW and I are both 67.

Current AA is 55% equities 45% bonds, rising from 50% equities 50% bonds after five years. Next, and final stop is 60% equities 40% bonds after another five years. Most likely will move to a balanced fund at that time.

Broken Man 1999
“If I cannot drink Bourbon and smoke cigars in Heaven then I shall not go." - Mark Twain
mary1969
Posts: 55
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Location: IL

Re: What is Your Age and Asset Allocation?

Post by mary1969 »

age 55 and spouse 51. 50/50 stock/bond allocation.

have around 36 times expenses saved (not including home, lake house, and rental condo). Would be 40/60 if interest rates were higher.
Trader Joe
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Re: What is Your Age and Asset Allocation?

Post by Trader Joe »

100% VFIAX/VTSAX. Forever.

My beneficiaries will be very happy.
joshatbogleheads
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Re: What is your age and asset allocation ?

Post by joshatbogleheads »

rkhusky wrote: Tue Sep 01, 2020 9:30 am
student wrote: Tue Sep 01, 2020 7:47 am
dcabler wrote: Tue Sep 01, 2020 7:01 am
student wrote: Tue Sep 01, 2020 6:59 am
rkhusky wrote: Tue Sep 01, 2020 6:28 am Currently, age+4 in bonds, but it's a static allocation and will slowly change. Doing a bond umbrella in early retirement.
What is a bond umbrella?
Sounds like a bond tent, but maybe it's rounded. :P
Thanks.
Yes, I meant bond tent. But bond umbrella works too. Wait, I meant something smaller than a tent. Yes, that's the ticket, it's smaller than a tent.
Smaller than a tent.. :happy
joshatbogleheads
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Re: What is your age and asset allocation ?

Post by joshatbogleheads »

prairieman wrote: Wed Sep 02, 2020 4:38 pm 62 with a Floating AA - Currently around 62% equities and 38% bonds and cash (not counting SS and Pension). I plan to increase my equities percentage gradually upward in proportion to age (e.g. to 80 % equities at 80).
Hi @prairieman I'm same age and AA. Your glide path to increased equities is interesting. More risk as you get older. Is that because you have "enough" to live well and ride out the dips so why not get the equity returns? And how do you handle rebalancing?
RealEstateGuy
Posts: 10
Joined: Fri Jan 15, 2021 10:05 pm

Re: What is your age and asset allocation ?

Post by RealEstateGuy »

62.60% Real Estate Equity
15.46% Retirement/529
11.68% Cash/Personal Assets
10.26% Stocks/Mutual Funds

I'm 34, Wife is 33

I'm at a place where I'm ready to meet with a fee only advisor to dial in on the best allocations within the bottom category.
renegade06
Posts: 336
Joined: Sat Jan 12, 2019 3:00 pm

Re: What is Your Age and Asset Allocation?

Post by renegade06 »

45 yo 90/10. Equities (90%) are 65 U.S., 35 Intl. 10% Bonds are in the TSP G fund.
Soundwall
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Location: Ca

Re: What is your age and asset allocation ?

Post by Soundwall »

37 and wife is 25
100% US Stocks
100% VTSAX in Roth IRA
100% S&P 500 in 401k
Last edited by Soundwall on Mon Feb 01, 2021 11:20 am, edited 1 time in total.
JWooden10
Posts: 83
Joined: Sun Nov 23, 2014 8:26 pm

Re: What is your age and asset allocation ?

Post by JWooden10 »

Early 50’s
10% employer stock
20% bond index funds
70% stock index funds (of which 70% domestic snd 30% international)
Above and beyond that have ~ 6 months cash in money market
Catrin
Posts: 3
Joined: Mon Mar 09, 2020 11:43 pm

Re: What is your age and asset allocation ?

Post by Catrin »

44
Total Portfolio is 85/15 Total Portfolio

$5k Cash/$15K I Bonds (Emergency Fund) (3.6%)
Taxable: VTI/VXUS (5.6%)
Roth IRA: VTWAX (4.8%)
TSP: 82% C/18% S (Mimic the US TSM: 75%)
TSP: 11% G (to buy more C and S when the Market goes down...)
joshatbogleheads
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Re: What is your age and asset allocation ?

Post by joshatbogleheads »

ImUrHuckleberry wrote: Fri Sep 11, 2020 8:54 am Both in our early fifties. 60:30:10 with the following breakdowns:

40% domestic equity (a few different index funds due to different choices across accounts)
20% international equity (the fido zero fund)
20% US bonds (a few different index funds due to different choices across accounts)
10% inflation protected bond index
10% cash (will be working to get this into I-bonds over the next several years)

I've been playing around the margins with market timing the last couple of years, by adjusting our AA based on our perception of market valuations. I don't think all the work and stress is worth it, even though we had moderate success doing it. So for now on we are sticking with straight up buy and hold at the above allocations.
@ImUrHuckleberry I get the buy and hold but will you do if your AA goes off kilter too much?
Last edited by joshatbogleheads on Sun Jan 31, 2021 12:03 am, edited 1 time in total.
averagedude
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Re: What is your age and asset allocation ?

Post by averagedude »

51 years old, hopefully retiring next year, and I am at 70% equities and 30% fixed income. I am an incurable optimist, and have always held the belief that equities will always recover from bear markets. which has proven to be true since May 17, 1792, the day the New York Stock Exchange was founded by 24 brokers that signed the buttonwood agreement. Wish me luck.
AliasDictusTyrant
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Joined: Thu Jan 14, 2021 6:56 pm

Re: What is Your Age and Asset Allocation?

Post by AliasDictusTyrant »

In my 40s, pseudo-retired. 100% large cap US equities, buy and hold. Some option trading at the periphery for fun and hedging.

I have substantial PE/VC investments but I count those at zero until the check clears. I work in Europe, so my income is not correlated with the US market in theory, though that really doesn't hold in practice.
ParlayBogle
Posts: 100
Joined: Mon Jun 11, 2012 9:01 pm

Re: What is your age and asset allocation ?

Post by ParlayBogle »

37 y/o ~$800k invested (combined w/ spouse)

80/20 w/ 65/35 domestic/intl split
musicmom
Posts: 197
Joined: Sat Apr 11, 2015 4:48 pm

Re: What is Your Age and Asset Allocation?

Post by musicmom »

Both mid 60s, retired.

All in traditional IRA:
50% US total market stock
50% Bond index/cash
Clammypollack
Posts: 33
Joined: Tue Jul 28, 2020 4:47 pm

Re: What is Your Age and Asset Allocation?

Post by Clammypollack »

Age 64
Wife is 55
We retire in 4 years.
55stock/45 bond
tomd37
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Location: Middle Tennessee

Re: What is Your Age and Asset Allocation?

Post by tomd37 »

Me - 83, She - 85.
Current AA is 40% stocks and 60 bonds
Retired at 65 with 60/40, reduced to 50/50 at 75, and to 40/60 at 80
Will remain there and continue to use TSM (VTSAX) and I-T Bond Index (VBILX)
Tom D.
brad.clarkston
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Location: Kansas City, MO

Re: What is your age and asset allocation ?

Post by brad.clarkston »

ImUrHuckleberry wrote: Fri Sep 11, 2020 8:54 am Both in our early fifties. 60:30:10 with the following breakdowns:

40% domestic equity (a few different index funds due to different choices across accounts)
20% international equity (the fido zero fund)
20% US bonds (a few different index funds due to different choices across accounts)
10% inflation protected bond index
10% cash (will be working to get this into I-bonds over the next several years)

I've been playing around the margins with market timing the last couple of years, by adjusting our AA based on our perception of market valuations. I don't think all the work and stress is worth it, even though we had moderate success doing it. So for now on we are sticking with straight up buy and hold at the above allocations.

The Zero fund caught my eye. How do you like it?

I've been running the traditional Fido three (FSKAX/FTIHX/FXNAX) did you drop FTIHX solely on the .06 ER ? Or was there something else involved?

I've been thinking about going to the International Zero just for the .06 ER loss (.5 overall instead of .11). I don't really care about not being able to move it to another broker. I don't see me leaving Fido in my life time and even if I did I would have them cash it as International varies wildly from broker to broker.

I don't like FZROX, FSKAX is a .02% and under asset isn't even in the same league and returns are lagging.
Also probably other irrational things. But Zero Int. that keeps percolating up to the top every month or so.
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