What is your age and asset allocation ?
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Re: What is your age and asset allocation ?
37 years old.
83% equities (VTI VFIAX VIG VYM IJR VXUS VIGI VYMI)
15% bonds (VGSH VBTLX VGIT iBonds)
2% cash (money market)
Includes emergency fund in that allocation. Fixed dollar amount in EF across Cash, iBonds, VGSH, and VGIT. Working my way to 90/10.
83% equities (VTI VFIAX VIG VYM IJR VXUS VIGI VYMI)
15% bonds (VGSH VBTLX VGIT iBonds)
2% cash (money market)
Includes emergency fund in that allocation. Fixed dollar amount in EF across Cash, iBonds, VGSH, and VGIT. Working my way to 90/10.
Last edited by JohnFromPNW on Fri Aug 19, 2022 6:40 am, edited 1 time in total.
Re: What is your age and asset allocation ?
Either that or you are reading a forum full of people who by definition don’t believe in market timingrevhappy wrote: ↑Sat Jul 16, 2022 12:06 am Just looking at the responses here, it seems everyone is very heavily invested into the markets, which is not a very encouraging sign. It implies we are closer to the bull market end and start of a multi year bear market. At the end of the bear market, the typical sign is nobody like equities and everyone thinks equities can only go down.
Re: What is your age and asset allocation ?
Either that or you are reading a forum full of people who by definition don’t believe in market timingrevhappy wrote: ↑Sat Jul 16, 2022 12:06 am Just looking at the responses here, it seems everyone is very heavily invested into the markets, which is not a very encouraging sign. It implies we are closer to the bull market end and start of a multi year bear market. At the end of the bear market, the typical sign is nobody like equities and everyone thinks equities can only go down.
Re: What is your age and asset allocation ?
35 years old.
85% equities (VXUS + VTV + AVUV)
10% real estate
5% bonds
85% equities (VXUS + VTV + AVUV)
10% real estate
5% bonds
Re: What is your age and asset allocation ?
Yes my AA has nothing to do with market conditions, I am always heavily invested in the markets. 70/30 or age-10 in bonds until age 60 then fixed at 50/50. Somewhat arbitrary but based on a careful review of how AA has performed in the past and my own investment needs.MTF wrote: ↑Fri Aug 19, 2022 1:15 amEither that or you are reading a forum full of people who by definition don’t believe in market timingrevhappy wrote: ↑Sat Jul 16, 2022 12:06 am Just looking at the responses here, it seems everyone is very heavily invested into the markets, which is not a very encouraging sign. It implies we are closer to the bull market end and start of a multi year bear market. At the end of the bear market, the typical sign is nobody like equities and everyone thinks equities can only go down.
70% Global Stocks / 30% Bonds
Re: What is your age and asset allocation ?
Husband 35
Wife 46
100% equities for the next 20 years at least. Will add fixed income as income increases via management career.
Wife 46
100% equities for the next 20 years at least. Will add fixed income as income increases via management career.
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Re: What is your age and asset allocation ?
It doesn't imply anything. This place does not reflect the overall market participants.revhappy wrote: ↑Sat Jul 16, 2022 12:06 am Just looking at the responses here, it seems everyone is very heavily invested into the markets, which is not a very encouraging sign. It implies we are closer to the bull market end and start of a multi year bear market. At the end of the bear market, the typical sign is nobody like equities and everyone thinks equities can only go down.
- ruralavalon
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Re: What is your age and asset allocation ?
We are largely index investors who shun market timing.revhappy wrote: ↑Sat Jul 16, 2022 12:06 am Just looking at the responses here, it seems everyone is very heavily invested into the markets, which is not a very encouraging sign. It implies we are closer to the bull market end and start of a multi year bear market. At the end of the bear market, the typical sign is nobody like equities and everyone thinks equities can only go down.
And I think if you see "everyone" very heavy in equities you are misreading the responses. link.
"Everything should be as simple as it is, but not simpler." - Albert Einstein |
Wiki article link: Bogleheads® investment philosophy
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Re: What is your age and asset allocation ?
84 year old couple.
Allocation: 35% equity; 60% bond; 5% cash
Allocation: 35% equity; 60% bond; 5% cash
- RetirementClass2021
- Posts: 119
- Joined: Sun Feb 06, 2022 6:34 pm
Re: What is your age and asset allocation ?
Age 60
60/40 allocation. No plan to change until death do me part.
60/40 allocation. No plan to change until death do me part.
VTI 52% VXUS 13% BND 10.5% BNDX 7% SCHP 17.5% |
Globally diversified low-cost passive index fund portfolio |
“Forget the needle, buy the haystack.” - John C. Bogle
Re: What is your age and asset allocation ?
Same. We're around the same age and will hover around 75/25 to 80/20 for a 40+ year retirement.PopMegaphone wrote: ↑Mon Jul 18, 2022 6:14 amSmall update. Given we plan to retire in my early to mid 50s we've decided our target retirement ratio is 75/25. More equity is better for retirements with a longer time horizon.PopMegaphone wrote: ↑Sat Jul 17, 2021 6:27 pm 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
Stocks-80% || Bonds-20% || Taxable-VTI/VXUS || IRA-VT/BNDW
Re: What is your asset allocation and age?
I will start the 230 SMA strategy the next time that SP500 is above its 230 day moving average. Thus - currently I am not in UPRO / SSO. It's in line with the strategy to be out of UPRO & SSO once SP500 is below its 230 day SMA.uprotmfgai wrote: ↑Thu Aug 18, 2022 10:15 pmWhat was the reason you decided against the 200 day SMA strategy? I was keen to start that strat.
I will slowly build up my UPRO exposure at different top-to-through levels (-25%, -30%, -35% etc.)
Btw, my current asset allocation:
Equities: 127.0%
Cash: -27% (USD)
VWO 21%
VEA 25%
VTI 54%
other accounts representing roughly 20% -> 100% Switzerland.
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Re: What is your age and asset allocation ?
54 and wife is 53
About 2/3 stock and 1/3 bonds in retirement accounts
Of the stock about 15% is international
Also have some I bonds and cash which I don't count for retirement accounts
About 2/3 stock and 1/3 bonds in retirement accounts
Of the stock about 15% is international
Also have some I bonds and cash which I don't count for retirement accounts
Don't let the pursuit of the perfect stop the use of the good.
Re: What is your age and asset allocation ?
Age: 55
AA: 99% U.S. equities, 1% cash.
Been this way since I started investing in 1997 after having the great fortune to find “Bogle on Mutual Funds” in a local bookstore.
AA: 99% U.S. equities, 1% cash.
Been this way since I started investing in 1997 after having the great fortune to find “Bogle on Mutual Funds” in a local bookstore.
“When there are multiple solutions to a problem, choose the simplest one.” ― John C. Bogle
Re: What is your age and asset allocation ?
Age 62, retired, single.
64% equities (mostly stock index funds)
36% total bond index fund/stable value fund
64% equities (mostly stock index funds)
36% total bond index fund/stable value fund
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Re: What is your age and asset allocation ?
I just checked and I’m at 67/28/5.
I will buy some equities this week to get more in line with where I like to be. I haven’t been in any rush to buy these days.
I will buy some equities this week to get more in line with where I like to be. I haven’t been in any rush to buy these days.
Being wrong compounds forever.
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Re: What is your age and asset allocation ?
Any pensions / rental RE? Are you a retiree? If not, what's your planned AA in retirement?
Re: What is your age and asset allocation ?
I retired at 45.Marseille07 wrote: ↑Sun Sep 25, 2022 12:51 amAny pensions / rental RE? Are you a retiree? If not, what's your planned AA in retirement?
No pension or rental income. I’ve been living in apartments my entire adult life and have never owned a house which helped keep expenses low. I haven’t had any debt since paying off my school loans.
My plan is to maintain my current AA and keep living off the dividends. I’ve never sold a single share up to this point and my goal is to keep it up until RMD’s. I’d like to think that if I can accomplish that Mr. Bogle would have approved, and might even have given me an “Atta boy.”
“When there are multiple solutions to a problem, choose the simplest one.” ― John C. Bogle
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Re: What is your age and asset allocation ?
You're truly something else. The most aggressive AA I've seen around hereBilly C wrote: ↑Sun Sep 25, 2022 8:50 am I retired at 45.
No pension or rental income. I’ve been living in apartments my entire adult life and have never owned a house which helped keep expenses low. I haven’t had any debt since paying off my school loans.
My plan is to maintain my current AA and keep living off the dividends. I’ve never sold a single share up to this point and my goal is to keep it up until RMD’s. I’d like to think that if I can accomplish that Mr. Bogle would have approved, and might even have given me an “Atta boy.”
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Re: What is your age and asset allocation ?
30% stable value fund(short term bond) for liquidity.
30% real asset fund (TIP + Commodity) for inflation protection
40% TSM equity for long term protection
30% real asset fund (TIP + Commodity) for inflation protection
40% TSM equity for long term protection
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Re: What is your age and asset allocation ?
No kidding. I'd be going through one wild rollercoaster of emotions. The space mountain of mainstream portfolios.Marseille07 wrote: ↑Sun Sep 25, 2022 8:58 amYou're truly something else. The most aggressive AA I've seen around hereBilly C wrote: ↑Sun Sep 25, 2022 8:50 am I retired at 45.
No pension or rental income. I’ve been living in apartments my entire adult life and have never owned a house which helped keep expenses low. I haven’t had any debt since paying off my school loans.
My plan is to maintain my current AA and keep living off the dividends. I’ve never sold a single share up to this point and my goal is to keep it up until RMD’s. I’d like to think that if I can accomplish that Mr. Bogle would have approved, and might even have given me an “Atta boy.”
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Re: What is your age and asset allocation ?
Age 62; DW 69
50%/50%, Stay the Course, and living life
Currently, down 15.4% YTD
- 39% Stocks (S&P500)
- 10% Int'l
- 22% Bonds (VBTLX)
- 29% Stable Value - Fortunate move - moved large portion of Bonds to Stable Value in January
Emergency Fund 5% in addition to Investments
While not enthralled with the bear, inflation, and seeing savings fall, this is the risk I accepted at 50/50, so I sleep well, and will adjust as needed.
Some potential moves:
- Buying TIP funds (first in Roth accounts)
- Keep working for another 1-2 years and buying low
- SS at 67
- Sleep well again tonight
- Continue to be thankful for life with the wife of my youth, family, grandkids, and health (running another half-marathon next month)!
50%/50%, Stay the Course, and living life
Currently, down 15.4% YTD
- 39% Stocks (S&P500)
- 10% Int'l
- 22% Bonds (VBTLX)
- 29% Stable Value - Fortunate move - moved large portion of Bonds to Stable Value in January
Emergency Fund 5% in addition to Investments
While not enthralled with the bear, inflation, and seeing savings fall, this is the risk I accepted at 50/50, so I sleep well, and will adjust as needed.
Some potential moves:
- Buying TIP funds (first in Roth accounts)
- Keep working for another 1-2 years and buying low
- SS at 67
- Sleep well again tonight
- Continue to be thankful for life with the wife of my youth, family, grandkids, and health (running another half-marathon next month)!
Last edited by BogleFan84 on Fri Sep 30, 2022 10:59 am, edited 2 times in total.
'It's tough to make predictions, especially about the future'
- ruralavalon
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Re: What is your age and asset allocation ?
Congratulations, it's great to be able to have that gratitude in spite of current market conditions .BogleFan84 wrote: ↑Fri Sep 30, 2022 9:44 am . . . . .
- Continue to be thankful for life with the wife of my youth, family, grandkids, and health (running another half-marathon next month)!
"Everything should be as simple as it is, but not simpler." - Albert Einstein |
Wiki article link: Bogleheads® investment philosophy
Re: What is your age and asset allocation ?
Age 85; Equities (TSM) 38%; Cash 62% (MMF).
- Sandtrap
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Re: What is your age and asset allocation ?
Retired senior.
60/40
No pension
No 401k/IRA/etc
Additional business income/assets.
No plans to change anything. "Stay the Course".
Don't watch or monitor anything.
Appreciate each day and what comes and goes
Mango Bread
j
60/40
No pension
No 401k/IRA/etc
Additional business income/assets.
No plans to change anything. "Stay the Course".
Don't watch or monitor anything.
Appreciate each day and what comes and goes
Mango Bread
j
Re: What is your age and asset allocation ?
Our age and asset allocation reflects our longer-term goals for spending, charity and heirs.
It could not possible help anyone that does not have a very similar set of goals, perhaps would even mislead them.
It could not possible help anyone that does not have a very similar set of goals, perhaps would even mislead them.
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Re: What is your age and asset allocation ?
All I want to do these days is buy. For the first time in my investing career, I actually want to buy bonds, too.Wanderingwheelz wrote: ↑Sat Sep 24, 2022 3:07 pm I just checked and I’m at 67/28/5.
I will buy some equities this week to get more in line with where I like to be. I haven’t been in any rush to buy these days.
Savings rate has been good historically but excellent this year to fulfill this desire of wanting to buy.
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Re: What is your age and asset allocation ?
I did buy on the close on Friday like I said I was going to do on the 24th. Purely from a historical perspective I don’t think there’s a reason to rush into equities- especially US equities. Why? Because the average drawdown in a bear market is about 36%. On Friday US equities (TSM) were down about 26% from the ATH. With that info, I feel like the time to get really aggressive begins at 36%, which is where I’d stop dollar cost averaging and make a lump sum purchase. I’m sure stocks would decline further from there, but investors who have a robust plan rarely regret buying equities at 36% from ATHs as long as they’re able to ride out the bear market.JohnFromPNW wrote: ↑Sat Oct 01, 2022 11:14 pmAll I want to do these days is buy. For the first time in my investing career, I actually want to buy bonds, too.Wanderingwheelz wrote: ↑Sat Sep 24, 2022 3:07 pm I just checked and I’m at 67/28/5.
I will buy some equities this week to get more in line with where I like to be. I haven’t been in any rush to buy these days.
Savings rate has been good historically but excellent this year to fulfill this desire of wanting to buy.
Being wrong compounds forever.
Re: What is your age and asset allocation ?
67, semi-retired March 2022 70/30
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Re: What is your age and asset allocation ?
69.9 years old: 44% stocks, 3% alternatives, 36% bonds, 17% cash
Re: What is your age and asset allocation ?
Late 30s. 90% equities, the remaining 10% is in cash and PM coins and…. Ammo and seeds
Re: What is your age and asset allocation ?
Both 31
95% stock (80% VTI, 20% VXUS)
5% bonds/cash
We both sleep great at night, when the toddler lets us.
95% stock (80% VTI, 20% VXUS)
5% bonds/cash
We both sleep great at night, when the toddler lets us.
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Re: What is your age and asset allocation ?
53 retired
90%- stocks(80% US 20% INT.)
10%-CD, I-Bonds, Saving, US Treasury
90%- stocks(80% US 20% INT.)
10%-CD, I-Bonds, Saving, US Treasury
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Re: What is your age and asset allocation ?
Both 58
86% Equity
4% Bond
10% Cash
Typically Equity is ~90%, but it floats a bit.
86% Equity
4% Bond
10% Cash
Typically Equity is ~90%, but it floats a bit.
Re: What is your age and asset allocation ?
42.
Equities -70 (AVUS30, NTSX30, DFAX40)
Bonds -20 (SPTL 50, LTPZ 25, I-bonds 25)
Cash- 10
Equities -70 (AVUS30, NTSX30, DFAX40)
Bonds -20 (SPTL 50, LTPZ 25, I-bonds 25)
Cash- 10
Last edited by baikshun on Mon Oct 03, 2022 11:01 am, edited 2 times in total.
Re: What is your age and asset allocation ?
Both 59
Equities - 80%
Fixed income - 20%
Both retired
Equities - 80%
Fixed income - 20%
Both retired
Re: What is your age and asset allocation ?
I am still 35+ years from retirement.
50% VTI
20% VXUS
30% EDV
As I get closer to my retirement and my investment horizon shrinks, I will start investing in etfs that have lower average duration to match how long I have until I hang up my work boots. Going from Long Term to Intermediate to Short Term bonds. And once I retire and extra money each year is going to go back into very short term bonds and tips.
EDIT: I also keep a $20,000 emergency fund in my credit union, but if they don't update their rates soon I'm going to move a big chunk of that over to a money market fund.
50% VTI
20% VXUS
30% EDV
As I get closer to my retirement and my investment horizon shrinks, I will start investing in etfs that have lower average duration to match how long I have until I hang up my work boots. Going from Long Term to Intermediate to Short Term bonds. And once I retire and extra money each year is going to go back into very short term bonds and tips.
EDIT: I also keep a $20,000 emergency fund in my credit union, but if they don't update their rates soon I'm going to move a big chunk of that over to a money market fund.
60% VT 40% BNDW (no bonds in Roth)
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Re: What is your age and asset allocation ?
Including the mortgage, I'm 105-110% equities. No direct international. About 15 years until early retirement (I hope), 36 years old.
But I also have a government pension and if that were included and considered a bond it would bring my number closer to age-in-bonds.
But I also have a government pension and if that were included and considered a bond it would bring my number closer to age-in-bonds.
43% Total Stock Market | 53% Consumer Staples | 4% Short Term Reserves
Re: What is your age and asset allocation ?
60 and wife is 64
50%S 47%B 3%C ; rebalance weekly (aiming for 50% stocks) and all new money has been going into equities.
Down 10% YTD; fortunate that wife has access to G fund that holds 28% of our portfolio. Although as we are at the pointy ends of our careers the drop is nerve wracking.
50%S 47%B 3%C ; rebalance weekly (aiming for 50% stocks) and all new money has been going into equities.
Down 10% YTD; fortunate that wife has access to G fund that holds 28% of our portfolio. Although as we are at the pointy ends of our careers the drop is nerve wracking.
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Re: What is your age and asset allocation ?
Two thoughts, swr. 1. If a 10% drop is nerve wracking, you need to rethink your allocation. 2. If you rebalance weekly you need to rethink your allocation.swr wrote: ↑Mon Oct 03, 2022 9:53 am 60 and wife is 64
50%S 47%B 3%C ; rebalance weekly (aiming for 50% stocks) and all new money has been going into equities.
Down 10% YTD; fortunate that wife has access to G fund that holds 28% of our portfolio. Although as we are at the pointy ends of our careers the drop is nerve wracking.
Personally I am way more aggressive than you (90% equity at 58), but if either of those were true for me I would think seriously about my tolerance.
Good luck,
Sean
Re: What is your age and asset allocation ?
Thanks Sean
My wife and I are both planning on retiring next July - watching the $ so we can do some Roth conversions in the first couple of years of retirement and then draw down 4% a year to meet our needs. 10 years ago I was close to 100% stocks and not concerned so much about market down turns.
A good day today to be 90% equities!
cheers
My wife and I are both planning on retiring next July - watching the $ so we can do some Roth conversions in the first couple of years of retirement and then draw down 4% a year to meet our needs. 10 years ago I was close to 100% stocks and not concerned so much about market down turns.
A good day today to be 90% equities!
cheers
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Re: What is your age and asset allocation ?
Age 48, 65/35
VT - 65% (Taxable)
Long Term Corporate Bonds - 35% (401k)
VT - 65% (Taxable)
Long Term Corporate Bonds - 35% (401k)
36% (IRA) - Individual LT Corporate Bonds , 33%(taxable) - schy, 33%(taxable) - SCHD Dividend Growth
- Portfolio7
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Re: What is your age and asset allocation ?
Ages 55/53 about 80/20
"An investment in knowledge pays the best interest" - Benjamin Franklin
Re: What is your age and asset allocation ?
Mid 30
45/45/10
Stocks
RE
Cash
45/45/10
Stocks
RE
Cash
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Re: What is your age and asset allocation ?
Age-32
Public Equity - 53%
Private Equity - 4%
Real Estate - 39%
Cash - 4%
Public Equity - 53%
Private Equity - 4%
Real Estate - 39%
Cash - 4%
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Re: What is your age and asset allocation ?
70 ,spouse 70 100% treasuries, 75 % equities until 2020, thought pandemic was gonna be even more world changing, even had family passing , Good equity allocation before pandemic served us well so I recommend it NO MATTER WHAT till your elder times
Re: What is your age and asset allocation ?
Late 30s
Equities 80%
Bonds 3%
Cash 17%
Equities 80%
Bonds 3%
Cash 17%
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Re: What is your age and asset allocation ?
50 and 53
70/30 - we've been here for years....
70/30 - we've been here for years....
Re: What is your age and asset allocation ?
I'm in my upper 70's in age. As of today in my main 403b retirement account: 63% equities. I don't follow the "age in bonds" dictum. I also have money invested separately in a brokerage account -- about 25% of my overall investment portfolio. (Also I own real estate: homes.)
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Re: What is your age and asset allocation ?
Age 51
VTI 61%
VXUS 9%
BND 30%
VTI 61%
VXUS 9%
BND 30%