What is your age and asset allocation ?

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Bluce
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Re: What is your age and asset allocation ?

Post by Bluce »

DTalos wrote: Thu Jun 24, 2021 4:03 pm When financial planners recommend at least a 50% cash allocation for those over the age of 50, why are they so conservative? Do they assume their clients are no longer working or might become unemployed and that preserving assets takes precedence over the risk of growing the value of assets?
LOL @ financial planners. First I ever heard that.

My comments are based on having no pension: IMO, besides age, one also should take in to account how much one has squirreled away and base your risk tolerance on those two things.

I'll admit it's a knife-edge to walk for years, but I'm looking at 71 in August and it's worked for me.
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JS-Elcano
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Re: What is your age and asset allocation ?

Post by JS-Elcano »

Age: 49 (not retired)
AA: 60/40
jsapiandante
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Re: What is your age and asset allocation ?

Post by jsapiandante »

Age 39/37

78/22 currently. We have been gliding down to our target of 75/25 from 90/10 since we just reached FI. Plan is to stick to this allocation until we are ready to retire. Then we will go down to 70/30. Maximizing returns is no longer our priority.
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fungus_amungus
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Re: What is your age and asset allocation ?

Post by fungus_amungus »

Age: 35/37

Total Portfolio around $575k

95% Stock - 60% US, 20% Foreign, 20% Private Shares in ESOP
5% Bonds, Cash, and Assets to Remain Nameless
cricket49
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Re: What is your age and asset allocation ?

Post by cricket49 »

Looked back at my post from September 2020.

Stocks 64% Bonds 11% Cash 25%

Ages 66 and 60 - Retired 4 years

Today----

Stocks 71% Bonds 0 Cash 29%
Expect the best. Prepare for the worst.
PopMegaphone
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Re: What is your age and asset allocation ?

Post by PopMegaphone »

I'm 44 and my wife is 47.

81.5% stocks (30% is international)
18.5% fixed income/cash

I'm looking to go 60/40 for our retirement. We own our house so if you include that our ratio is:

67.25% stocks (30% is international)
15.25% fixed income/cash
17.5% real estate
Wannaretireearly
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Re: What is your age and asset allocation ?

Post by Wannaretireearly »

42 and 45. 80/20 Stock/Bond. Stock is more Intl heavy vs. US. Something like 55/45.
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Munir
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Re: What is your age and asset allocation ?

Post by Munir »

84 years old. Widower. 60 % fixed income, 37 % equities (VTSAX), 3% "reserve" plus four SPIAs. All Vanguard. No international. Bond funds, short-term and intermediate, mostly US government and securitized.
DiceGames
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Re: What is your age and asset allocation ?

Post by DiceGames »

33yo, 100% equities.
- Retirement 100% VOO
- Taxable 92% VOO, 8% AMZN (bought in at $1929, never sold), 2% VGT.
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ruralavalon
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Re: What is your age and asset allocation ?

Post by ruralavalon »

75 years old, retired, no pension or annuity, our asset allocation is 50/50.

All fixed income is in Vanguard Intermediate-term Bond Index Fund (VBILX), no cash allocation other than whatever happens to be in our joint checking account (usually just a few months of expenses).
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link: Bogleheads® investment philosophy
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Garco
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Re: What is your age and asset allocation ?

Post by Garco »

Ages 77/78. Retired for 7 years. In my main 403b account, my asset allocation is 60% equities, with the balance in fixed income and a modest amount in cash-like holdings. I've been retired since 2014. My spending money comes from RMD's and Social Security. Because I stayed invested in equities (initially higher than the current 60%), the face value of my 403b account has doubled since my retirement even while I've been taking RMD's.
Last edited by Garco on Tue Jul 27, 2021 9:46 am, edited 2 times in total.
Slacker
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Re: What is your age and asset allocation ?

Post by Slacker »

Ages: 45 / 43
12 months or less to retirement
85% / 15% (stocks/bonds - moved to this last August after having been 90 /10 most of our careers).
Modest pensions start at 57 / 62
Will assess at 61 when we should take social security.

Pensions + social security will cover ordinary living expenses outside of health care.
zwzhang
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Re: What is your age and asset allocation ?

Post by zwzhang »

I am 55, retired, DW is 49, working.
Our current asset allocation is 50/50, and plan to hold that forever.
vv19
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Re: What is your age and asset allocation ?

Post by vv19 »

38 years old, 100% equities - 100/0 US/Int.
casaver
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Re: What is your age and asset allocation ?

Post by casaver »

late 40s, single parent, 70/30. I was already on a glide path but the stock growth beat it. with the pathetic bond return, I cannot really go too much into it. 10/10/10 TBM/muni/(cash/CD/I bond). on equity side: 50/20 US total market/international total market.
Nathan Drake
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Re: What is your age and asset allocation ?

Post by Nathan Drake »

30s, 100% equity.

20% VTSAX US TSM
30% VXUS exUS TSM
15% AVUV US SCV
20% AVDV Intl SCV
15% AVES (soon) EM Value

Goal is to gradually increase EM so that I’m 1/3 US, 1/3 DM, and 1/3 EM, and if it weren’t for capital gains I’d probably be all SCV for my US portion
20% VOO | 20% VXUS | 20% AVUV | 20% AVDV | 20% AVES
VartAndelay
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What is your percentage split between stocks and bonds?

Post by VartAndelay »

[Thread merged into here --admin LadyGeek]

Just curious to see the portfolio split between stocks and bonds. For some people who might treat cash or CDs as bond-like for the purposes of this context that could be included too I suppose.

With this in mind my split I believe is something approximately around:

80% stocks
20% bonds
sailaway
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Re: What is your percentage split between stocks and bonds?

Post by sailaway »

Are you one of the people who treat cash like bonds, hold cash separate or don't hold any more cash than needed for this month's spending?
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Re: What is your percentage split between stocks and bonds?

Post by livesoft »

Does this 15-page thread which basically asked the same question get you up to speed quickly?
viewtopic.php?t=324381
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VartAndelay
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Re: What is your percentage split between stocks and bonds?

Post by VartAndelay »

sailaway wrote: Fri Dec 17, 2021 11:13 am Are you one of the people who treat cash like bonds, hold cash separate or don't hold any more cash than needed for this month's spending?
Well right now I am in a bit of a different situation than I normally would be because I need to set aside a large amount of cash while I wait to finalize some exact numbers regarding taxes and a home purchase. So for now I am holding more cash than usual. But typically I probably don't plan to hold much more cash than I need for an emergency fund.
stan1
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Re: What is your percentage split between stocks and bonds?

Post by stan1 »

VartAndelay wrote: Fri Dec 17, 2021 11:09 am Just curious to see the portfolio split between stocks and bonds. For some people who might treat cash or CDs as bond-like for the purposes of this context that could be included too I suppose.

With this in mind my split I believe is something approximately around:

80% stocks
20% bonds
That's reasonable for someone who is in their 40s or 50s, or in their 60s+ who has a pension to cover most expenses or high net worth and is investing for heirs.

There's no one size fits all answer. Asset allocation is highly personal based on your willingness, ability and need to take risk.
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CommitmentDevice
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Re: What is your percentage split between stocks and bonds?

Post by CommitmentDevice »

90/10.
  • My investment plan is to follow the ratios in Vanguard's 2055 target date fund (stocks / bonds, US / International) except using ESG funds.
  • Stocks/bonds are only 1/3 of my net worth. The remainder is home equity.
  • The "everything is way overvalued" story makes me nervous but I'm committed to staying the course.
jackholloway
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Re: What is your percentage split between stocks and bonds?

Post by jackholloway »

I am currently 50-50, cash+bonds and domestic-international stocks. My domestic to international stock ratio is 80/20. I moved to 50/50 from 80/20 when I realized that I could live a long time on my bond allocation at 50/50, and that maybe not having all my risk be market risk would be wise.
theorist
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Re: What is your percentage split between stocks and bonds?

Post by theorist »

I’m at a bit above 70/30 at 51. I’m thinking about derisking a bit more, but I’m ambivalent — hopefully still many years ahead, and I can go down to 65/35 at 55 maybe. The recommendations of allocations for 50 year olds from Fidelity, TRP and Morningstar all look pretty aggressive to me! (Fidelity and TRP have their 2035 target date funds at about 80/20 between stocks / bonds right now…)
Triple digit golfer
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Re: What is your percentage split between stocks and bonds?

Post by Triple digit golfer »

80% stocks, 20% bonds. I hold a small amount of cash that I consider to be "bonds." In practicality, it's around 2% of the portfolio and therefore currently around 10% of the bond portion.
pascalwager
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Re: What is your percentage split between stocks and bonds?

Post by pascalwager »

Presently 58/42, but it's not fixed. It includes the WBS with a variable amount of global bonds and a TIPS allocation on the side (and a global value stock fund portfolio, also). Redemptions will follow current percentages.

Distributions from GV will be invested in the TIPS funds until they're equal in value to the WBS bond funds. Right now they're about 49/51.

TIPS + GV + WBS
Last edited by pascalwager on Fri Dec 17, 2021 6:28 pm, edited 1 time in total.
Broken Man 1999
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Re: What is your percentage split between stocks and bonds?

Post by Broken Man 1999 »

We are both 68.

Desired AA is 55% equities, 45% bonds. Currently AA is 58% equities 42% bonds.

No cash held.

Broken Man 1999
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CRC_Volunteer
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Re: What is your percentage split between stocks and bonds?

Post by CRC_Volunteer »

See my tagline…
Last edited by CRC_Volunteer on Fri Dec 17, 2021 9:29 pm, edited 2 times in total.
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Robot Monster
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Re: What is your percentage split between stocks and bonds?

Post by Robot Monster »

I'm roughly 65% TIPS, 25% stocks, 10% cash. My portfolio is heavily influenced by Vineviz (see below).
Speaking very generally, it usually makes sense to hold some TIPS when your portfolio is is less than 70% stocks.

If your portfolio is less than 50% stocks it could make sense to have most of your bonds as TIPS.

A very rough rule of thumb, in table form:

Code: Select all

Stocks	LTT	TIPS	STIG
100%	0%	0%	0%
90%	10%	0%	0%
80%	20%	0%	0%
70%	20%	10%	0%
60%	20%	20%	0%
50%	20%	30%	0%
40%	10%	40%	10%
30%	0%	50%	20%
LTT = Long-term Treasuries
TIPS = Broad TIPS fund (or Series I Savings Bonds or individual TIPS ladder)
STIG = Short-term investment grade corporate bond fund
link to original post
finite_difference
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Re: What is your percentage split between stocks and bonds?

Post by finite_difference »

Robot Monster wrote: Fri Dec 17, 2021 6:41 pm I'm roughly 65% TIPS, 25% stocks, 10% cash. My portfolio is heavily influenced by Vineviz (see below).
Speaking very generally, it usually makes sense to hold some TIPS when your portfolio is is less than 70% stocks.

If your portfolio is less than 50% stocks it could make sense to have most of your bonds as TIPS.

A very rough rule of thumb, in table form:

Code: Select all

Stocks	LTT	TIPS	STIG
100%	0%	0%	0%
90%	10%	0%	0%
80%	20%	0%	0%
70%	20%	10%	0%
60%	20%	20%	0%
50%	20%	30%	0%
40%	10%	40%	10%
30%	0%	50%	20%
LTT = Long-term Treasuries
TIPS = Broad TIPS fund (or Series I Savings Bonds or individual TIPS ladder)
STIG = Short-term investment grade corporate bond fund
link to original post
Why so conservative? Are the stocks held in individual stocks or index funds?
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Dontridetheindexdown
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Re: What is your percentage split between stocks and bonds?

Post by Dontridetheindexdown »

Ages 70/67, we aim for, and typically re-balance to, 50/50 (equities/securities).

As of this evening we are 52/48.

We are nowhere near our historical re-balance limits of 67/33.

We are considering/analyzing whether to lower re-balance limit to re-balance at 60/40.
Robot Monster
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Re: What is your percentage split between stocks and bonds?

Post by Robot Monster »

finite_difference wrote: Fri Dec 17, 2021 6:44 pm
Robot Monster wrote: Fri Dec 17, 2021 6:41 pm I'm roughly 65% TIPS, 25% stocks, 10% cash. My portfolio is heavily influenced by Vineviz (see below).
Speaking very generally, it usually makes sense to hold some TIPS when your portfolio is is less than 70% stocks.

If your portfolio is less than 50% stocks it could make sense to have most of your bonds as TIPS.

A very rough rule of thumb, in table form:

Code: Select all

Stocks	LTT	TIPS	STIG
100%	0%	0%	0%
90%	10%	0%	0%
80%	20%	0%	0%
70%	20%	10%	0%
60%	20%	20%	0%
50%	20%	30%	0%
40%	10%	40%	10%
30%	0%	50%	20%
LTT = Long-term Treasuries
TIPS = Broad TIPS fund (or Series I Savings Bonds or individual TIPS ladder)
STIG = Short-term investment grade corporate bond fund
link to original post
Why so conservative? Are the stocks held in individual stocks or index funds?
It's so conservative because I "won the game" and because I have "increasing relative risk aversion". See Nisiprius's post.

My stocks are in index funds, except for three individual funny money stocks: Amazon, Google, Disney.
mary1492
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Re: What is your percentage split between stocks and bonds?

Post by mary1492 »

xyzzy
Last edited by mary1492 on Mon Oct 03, 2022 12:11 pm, edited 1 time in total.
finite_difference
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Re: What is your percentage split between stocks and bonds?

Post by finite_difference »

Robot Monster wrote: Fri Dec 17, 2021 6:51 pm
finite_difference wrote: Fri Dec 17, 2021 6:44 pm
Robot Monster wrote: Fri Dec 17, 2021 6:41 pm I'm roughly 65% TIPS, 25% stocks, 10% cash. My portfolio is heavily influenced by Vineviz (see below).
Speaking very generally, it usually makes sense to hold some TIPS when your portfolio is is less than 70% stocks.

If your portfolio is less than 50% stocks it could make sense to have most of your bonds as TIPS.

A very rough rule of thumb, in table form:

Code: Select all

Stocks	LTT	TIPS	STIG
100%	0%	0%	0%
90%	10%	0%	0%
80%	20%	0%	0%
70%	20%	10%	0%
60%	20%	20%	0%
50%	20%	30%	0%
40%	10%	40%	10%
30%	0%	50%	20%
LTT = Long-term Treasuries
TIPS = Broad TIPS fund (or Series I Savings Bonds or individual TIPS ladder)
STIG = Short-term investment grade corporate bond fund
link to original post
Why so conservative? Are the stocks held in individual stocks or index funds?
It's so conservative because I "won the game" and because I have "increasing relative risk aversion". See Nisiprius's post.

My stocks are in index funds, except for three individual funny money stocks: Amazon, Google, Disney.
Interesting. I’m the opposite way. I have decreasing relative risk aversion. But I am not fearless enough for individual stocks.
The most precious gift we can offer anyone is our attention. - Thich Nhat Hanh
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Beensabu
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Re: What is your percentage split between stocks and bonds?

Post by Beensabu »

45/55
"The only thing that makes life possible is permanent, intolerable uncertainty; not knowing what comes next." ~Ursula LeGuin
UpperNwGuy
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Re: What is your percentage split between stocks and bonds?

Post by UpperNwGuy »

70/30
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dwickenh
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Re: What is your percentage split between stocks and bonds?

Post by dwickenh »

50/50 .... Half the time I wish I had more, the other half I'm glad I don't.....

Dan
The market is the most efficient mechanism anywhere in the world for transferring wealth from impatient people to patient people.” | — Warren Buffett
rockstar
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Re: What is your percentage split between stocks and bonds?

Post by rockstar »

After selling my TQQQ position today, I'm roughly 95/5 with the 5 in I Bonds and unsettled cash right now.
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Brianmcg321
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Re: What is your percentage split between stocks and bonds?

Post by Brianmcg321 »

100/0
Rules to investing: | 1. Don't lose money. | 2. Don't forget rule number 1.
MathWizard
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Re: What is your percentage split between stocks and bonds?

Post by MathWizard »

33/67
Big Dog
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Re: What is your percentage split between stocks and bonds?

Post by Big Dog »

65/35. No cash. Retired, no pension.
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femur
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Re: What is your percentage split between stocks and bonds?

Post by femur »

66% stocks (total world)
34% bonds
jebmke
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Re: What is your percentage split between stocks and bonds?

Post by jebmke »

Mine varies almost daily. Last time I looked it was approximately 47/53.
Don't trust me, look it up. https://www.irs.gov/forms-instructions-and-publications
Rajsx
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Re: What is your percentage split between stocks and bonds?

Post by Rajsx »

65 & DW 60, retired, 65/35
babystep
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Re: What is your percentage split between stocks and bonds?

Post by babystep »

This can be very misleading without knowing the age.
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Beensabu
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Re: What is your percentage split between stocks and bonds?

Post by Beensabu »

babystep wrote: Fri Dec 17, 2021 10:44 pm This can be very misleading without knowing the age.
Why? Age doesn't dictate risk tolerance.
"The only thing that makes life possible is permanent, intolerable uncertainty; not knowing what comes next." ~Ursula LeGuin
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pokebowl
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Re: What is your percentage split between stocks and bonds?

Post by pokebowl »

100/0 stocks to bonds. Though 97/3 stocks to cash. :beer

Already FI, though expect to be FIRE within the next couple years.
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TierArtz
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Re: What is your percentage split between stocks and bonds?

Post by TierArtz »

70:30; Total world:Total US Bond; target is 73:27, where the bond slice is 25X expenses after pension and rental income.
Small Savanna
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Re: What is your percentage split between stocks and bonds?

Post by Small Savanna »

In taxable: 94% stocks and 6% cash/money market

In tax-deferred: 59% stocks and 41% bonds

In Roth accounts: 82% stocks and 18% bonds

Overall: 69% stocks and 31% bonds/cash

Somewhere between 65% and 70% in equities is my comfort level now, while I'm still working. I may go a little more conservative when I retire.

The standard advice is not to hold bonds in taxable because the interest counts as ordinary income, but with rates near zero, that probably doesn't matter. The other standard advice is to tilt toward equities in Roth accounts because they have a longer time horizon than tax-deferred accounts.
mikejuss
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Re: What is your percentage split between stocks and bonds?

Post by mikejuss »

VTSAX: 50%
VTIAX: 25%
VBTLX: 25%

I call this the Iron Turtle portfolio.
50% VTSAX | 25% VTIAX | 25% VBTLX (retirement), 25% VTEAX (taxable)
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