What is your age and asset allocation ?
Re: What is your age and asset allocation ?
I'm an old geezer at 66.
54% Fixed Income (Includes cash equivalents)
36% Equities (mostly US Large)
10% Other Stuff (Gold, Silver, Foreign Currencies)
54% Fixed Income (Includes cash equivalents)
36% Equities (mostly US Large)
10% Other Stuff (Gold, Silver, Foreign Currencies)
- ruralavalon
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Re: What is your age and asset allocation ?
We are 76, our asset allocation is 60/40.
You are a young geezer .
"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 ?
66
70% Total Stock Market / 20% Total Bond Market / 10% Money Market until the day I die.
70% Total Stock Market / 20% Total Bond Market / 10% Money Market until the day I die.
Re: What is your age and asset allocation ?
Wife and I are ages 41 and 37. We have around 500k in retirement and are 100% equities. We will stay 100% equities until the day we die.....its def not for everyone but we have never batted an eye during tough market downturns so we know its the right allocation for us
Re: What is your age and asset allocation ?
I’m 52 and my wife is 51. I plan to retire in next 3 to 8 years; actual timing depends on overall job stability, etc. My wife will work until 65 as we are on her healthcare plan and she is willing to keep working until we both qualify for Medicare. She teaches High School and we plan to travel to Europe quite a bit during summertimes after I retire “early”. Our overall allocation between both our retirement savings is ~40% US equity, 20% International equity, 30% bonds (mainly US total bond), 5% REIT ETFs, 5% Gold ETFs. We plan on keeping close to this allocation in early retirement.
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Re: What is your age and asset allocation ?
Me=43
Wife=39
AA average between us 75/25
Both Roth’s and wife’s 401k all in TDF.
My pension @55 will cover about 60% of spending.
Keep it simple!
Wife=39
AA average between us 75/25
Both Roth’s and wife’s 401k all in TDF.
My pension @55 will cover about 60% of spending.
Keep it simple!
Re: What is your age and asset allocation ?
The basic idea is to have lower equities when 1) you're no longer making contributions meaning because if there's a downturn you're not buying at a discount and/or 2) when the portfolio is at its lowest amount expected amount. This is the moment you retire. Therefore starting at 60/40. The purpose of rising equities after retirement is prevent having to sell equities if equities drop as we'll need to sell bonds to get to increased equities asset allocation.Wannaretireearly wrote: ↑Thu Apr 07, 2022 12:51 amThanks for sharing. I still don’t quite get rising equity portfolio after retirement. Mentally, I don’t get the difference from your approach vs. going to 90/10 now and just having a declining equity portfolio over 10 years (3% each year) and then staying at 60/40 forever ( an example alternative). Anyhow, no need to answer. I guess that’s the beauty of this thread, to understand different approaches…
Last edited by moneybags on Thu Apr 14, 2022 9:24 pm, edited 1 time in total.
Re: What is your age and asset allocation ?
58.9 yo.
Asset Class Current Allocation
Cash 0.3%
International Bonds 3.6%
US Bonds 22.0%
International 19.2%
US Stocks 44.6%
Alternatives 10.9% (Gold and mostly REIT)
Sort of thinking of just going %100 USA stocks though. I hate being a widower (daughter is awesome and on track to excel). Sigh.
Asset Class Current Allocation
Cash 0.3%
International Bonds 3.6%
US Bonds 22.0%
International 19.2%
US Stocks 44.6%
Alternatives 10.9% (Gold and mostly REIT)
Sort of thinking of just going %100 USA stocks though. I hate being a widower (daughter is awesome and on track to excel). Sigh.
- slowandsteadywins
- Posts: 301
- Joined: Tue Dec 20, 2016 2:13 pm
Re: What is your age and asset allocation ?
Age: 30
Stock:80%
Bond:20%
Stock Allocation
Stock-US: 60%
Stock-Intl:40%
Bond Allocation
Bond-US: 70%
Bond-Intl: 30%
Glide path from age 30 (now) ---> Retirement and beyond
Stock:80%
Bond:20%
Stock Allocation
Stock-US: 60%
Stock-Intl:40%
Bond Allocation
Bond-US: 70%
Bond-Intl: 30%
Glide path from age 30 (now) ---> Retirement and beyond
"Nothing in this world can take the place of persistence; Persistence and determination alone are omnipotent." |
-Calvin Coolidge
Re: What is your age and asset allocation ?
27
Almost 100% equities, with a negligible holding of I-Bonds.
60% US Large Cap
10% each in US Mid and Small Cap
20% International
Almost 100% equities, with a negligible holding of I-Bonds.
60% US Large Cap
10% each in US Mid and Small Cap
20% International
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- Joined: Wed Mar 31, 2010 4:39 pm
Re: What is your age and asset allocation ?
Thank you!moneybags wrote: ↑Thu Apr 14, 2022 9:08 pmThe basic idea is to have lower equities when 1) you're no longer making contributions meaning because if there's a downturn you're not buying at a discount and/or 2) when the portfolio is at its lowest amount expected amount. This is the moment you retire. Therefore starting at 60/40. The purpose of rising equities after retirement is prevent having to sell equities if equities drop as we'll need to sell bonds to get to increased equities asset allocation.Wannaretireearly wrote: ↑Thu Apr 07, 2022 12:51 amThanks for sharing. I still don’t quite get rising equity portfolio after retirement. Mentally, I don’t get the difference from your approach vs. going to 90/10 now and just having a declining equity portfolio over 10 years (3% each year) and then staying at 60/40 forever ( an example alternative). Anyhow, no need to answer. I guess that’s the beauty of this thread, to understand different approaches…
“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 is your age and asset allocation ?
This would be fun to see as a survey! Like a spreadsheet with an asset allocation vs age chart.
- ruralavalon
- Posts: 26351
- Joined: Sat Feb 02, 2008 9:29 am
- Location: Illinois
Re: What is your age and asset allocation ?
The Bogleheads site no longer has surveys or polls.
But here are:
(1) a 2015 graph compiling posts: "Bogleheads' age versus their asset allocation", link;
and (2) a bar graph and table comparing results in results in 2007, 2011 and 2015, link.
"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 ?
A minor clarification. The Bogleheads forum no longer has anonymous polls.
An explanation by the site owner is here: Polls Disabled
An explanation by the site owner is here: Polls Disabled
Re: What is your age and asset allocation ?
The recommendations by the experts are only guidelines, and those of us posting are commenting anecdotally since circumstances determine appropriateness. Age 79 with a 60/40 portfolio based on those circumstances, an allocation that is based on our own "expert" determination that is no more than our analysis of our circumstances combined with acceptance of the results.
Tim
Tim
- ruralavalon
- Posts: 26351
- Joined: Sat Feb 02, 2008 9:29 am
- Location: Illinois
Re: What is your age and asset allocation ?
A large collection of anecdotal information can be helpful in my opinion.Nowizard wrote: ↑Fri Apr 15, 2022 9:06 am The recommendations by the experts are only guidelines, and those of us posting are commenting anecdotally since circumstances determine appropriateness. Age 79 with a 60/40 portfolio based on those circumstances, an allocation that is based on our own "expert" determination that is no more than our analysis of our circumstances combined with acceptance of the results.
Tim
"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 ?
Yes, anecdotal information is helpful. The intended point is that it is insufficient. That is typically known by more experienced investors but intended to be a suggested consideration for less experienced ones.
Tim
Tim
Re: What is your age and asset allocation ?
35 and 100% equities. I had maybe 4% in bonds but shifted that to equities during the recent pullback.
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Re: What is your age and asset allocation ?
33 years old, 7-figure portfolio - 135% equities (using IBKR margin loan), 60% US / 40% International via VWRA (Vanguard FTSE All-World Accumulating).
The recent months have been a test of emotional fortitude, but I realize that I can stay the course, and I rebalance every month (leverage goes up as the market goes down).
The recent months have been a test of emotional fortitude, but I realize that I can stay the course, and I rebalance every month (leverage goes up as the market goes down).
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Re: What is your age and asset allocation ?
65 yo
Equities: 90%
Bonds: 0%
Cash 10% (brokerage 7%/Cash $ 2%/ Crypto 1%)
Was 80/0/20 but averaged in on recent market pull back.
Equities: 90%
Bonds: 0%
Cash 10% (brokerage 7%/Cash $ 2%/ Crypto 1%)
Was 80/0/20 but averaged in on recent market pull back.
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Re: What is your age and asset allocation ?
Age 34.
AA:
95% stock
4% bond
1% cash
Total portfolio now is approaching 1 Mill
AA:
95% stock
4% bond
1% cash
Total portfolio now is approaching 1 Mill
- abuss368
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- Location: Where the water is warm, the drinks are cold, and I don't know the names of the players!
- Contact:
Re: What is your age and asset allocation ?
We are presently 67% stock and 33% bond.
Best.
Tony
Best.
Tony
John C. Bogle: “Simplicity is the master key to financial success."
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Re: What is your age and asset allocation ?
42 and 44 like 95% stocks and 5% cash/ibonds
Re: What is your age and asset allocation ?
Age 32
70% US stocks, 10% international, 20% bonds.
70% US stocks, 10% international, 20% bonds.
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What is your asset allocation and age?
[Thread merged into here --admin LadyGeek]
With the recent market reductions I am curious as to what is my fellow Boglehead's AA and age? If you are retired please specify. If you have a pension please specify. Thank you.
Personally I very much enjoy an AA thread. I find it beneficial.
DH 61, DW 62
AA: 37/63 (cash)
DW has a non-cola pension that currently covers majority of our expenses
We will take SS later...DW probably at age 64; DH between ages 67-70
With the recent market reductions I am curious as to what is my fellow Boglehead's AA and age? If you are retired please specify. If you have a pension please specify. Thank you.
Personally I very much enjoy an AA thread. I find it beneficial.
DH 61, DW 62
AA: 37/63 (cash)
DW has a non-cola pension that currently covers majority of our expenses
We will take SS later...DW probably at age 64; DH between ages 67-70
Re: What is your asset allocation and age?
Retired and ages 87 and 85 with a 40/60 asset allocation for the past ten years. Drawing SS benefits and military pension. May consider using some "dry powder" when, in my estimation, the low point is about to be reached.
Tom D.
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Re: What is your asset allocation and age?
We are retiredEngaging in sloth wrote: ↑Sun Jun 19, 2022 7:21 pm With the recent market reductions I am curious as to what is my fellow Boglehead's AA and age? If you are retired please specify. If you have a pension please specify. Thank you.
Personally I very much enjoy an AA thread. I find it beneficial.
DH 61, DW 62
AA: 37/63 (cash)
DW has a non-cola pension that currently covers majority of our expenses
We will take SS later...DW probably at age 64; DH between ages 67-70
Re: What is your asset allocation and age?
54, retired and no pension.
53/24/23 equities/bonds/cd's and I bonds
53/24/23 equities/bonds/cd's and I bonds
The fool, with all his other faults, has this also - he is always getting ready to live. - Seneca Epistles < c. 65AD
- AnnetteLouisan
- Posts: 7261
- Joined: Sat Sep 18, 2021 10:16 pm
- Location: New York, NY
Re: What is your asset allocation and age?
55, still working, w pension entitlement.
20/30/50 equities/bonds/cash.
Moving to 30/35/35. Maybe 35/35/30 if I get brave.
I’m down around $80k on the year.
20/30/50 equities/bonds/cash.
Moving to 30/35/35. Maybe 35/35/30 if I get brave.
I’m down around $80k on the year.
Last edited by AnnetteLouisan on Sun Jun 19, 2022 9:01 pm, edited 3 times in total.
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Re: What is your asset allocation and age?
Many here sneer at it but I do "age in fixed/bonds" and it has worked very well for me. I'm about 60 and am 40/60. When the market drops I yawn and go to bed for a good sleep. Most of my fixed is TIAA Traditional; my Roth and Variable Annuity have bond funds.
Nobody knows nothing.
Re: What is your asset allocation and age?
60:40 is my AA at age 63. I rebalance 1X per year...it will be interesting to see where things are in December and January.
- martincmartin
- Posts: 900
- Joined: Wed Jul 02, 2014 3:04 pm
- Location: Boston, MA USA
Re: What is your asset allocation and age?
I'm 52, retired 3 months ago in March 2022.
AA: 50/50 (last checked in February, recent market changes mean I'm probably lower stocks now. But 50/50 is the target.)
I'm doing a bond tent, so plan to increase stocks over time. Not sure how high I'll go, but at least 80% stocks.
I also have 16 and 14 year old kids who will presumably be going to college in a few years.
Oh and have a mortgage, refinanced last December. 2 point something percent.
AA: 50/50 (last checked in February, recent market changes mean I'm probably lower stocks now. But 50/50 is the target.)
I'm doing a bond tent, so plan to increase stocks over time. Not sure how high I'll go, but at least 80% stocks.
I also have 16 and 14 year old kids who will presumably be going to college in a few years.
Oh and have a mortgage, refinanced last December. 2 point something percent.
Re: What is your asset allocation and age?
55/45, i am 59 and DW is 60.
Retired with pension and cola that provides half our needs
Retired with pension and cola that provides half our needs
- slippinsurlies
- Posts: 124
- Joined: Thu Apr 07, 2022 11:18 pm
- Location: Mainland US
Re: What is your asset allocation and age?
Same here.
There are old pilots, and there are bold pilots, but there are no old bold pilots.
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Re: What is your asset allocation and age?
Retired April 1,2022 at 52 years old and my asset allocation is 70/30. It could very well be 68/32, but in bear markets i tend not to look at our portfolio very often. In bull markets I look at it several times a week.
Re: What is your asset allocation and age?
Age 40. I'm currently 73%-27%. My written investment plan is to use Vanguard Target 2035 in tax-deferred and Roth, and to mirror that asset allocation in taxable. 10% of my equity allocation is in private real estate syndications.
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Re: What is your asset allocation and age?
Ages 59/57, still working, non-cola pension coming, AA = 47/53 with about half of the FI in Stable Value.
Last edited by BernardShakey on Sun Jun 19, 2022 10:50 pm, edited 1 time in total.
An important key to investing is having a well-calibrated sense of your future regret.
Re: What is your asset allocation and age?
Ages 55/55
Retired 2018
No pension
60/35/5. Equities/bonds/CDs
Retired 2018
No pension
60/35/5. Equities/bonds/CDs
Once in a while you get shown the light, in the strangest of places if you look at it right.
Re: What is your asset allocation and age?
60 years old and retiring in 2 years. Increased bond tent to 15 years expenses early this year. Now at 50/50 AA.
Re: What is your asset allocation and age?
Age: 25
AA: 100 stocks (might go a bit higher with HFEA in the future).
Will have a pension.
Even in a high rate environment, I would rather light my money on fire than invest in bonds. At least burning money would provide me the benefit of warmth. Bonds would only give me a lower return on my assets and a higher tax liability.
AA: 100 stocks (might go a bit higher with HFEA in the future).
Will have a pension.
Even in a high rate environment, I would rather light my money on fire than invest in bonds. At least burning money would provide me the benefit of warmth. Bonds would only give me a lower return on my assets and a higher tax liability.
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Re: What is your asset allocation and age?
100% stock people --> do you not hold any cash? If you do, you should include that in your AA so people aren't mislead.
Re: What is your asset allocation and age?
Age 65, no pension. Equities 60%, bonds 20%, cash, T-bills and CDs 20%.
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- Joined: Sun Dec 16, 2018 10:40 pm
Re: What is your asset allocation and age?
Ages 54/55, retired last year. Spouse has COLA pension.
We are 65/35 stocks/bonds now, but were 100/0 until age 51.
We are 65/35 stocks/bonds now, but were 100/0 until age 51.
If you don't do stuff, then you don't do stuff.
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Re: What is your asset allocation and age?
Ages 70/70
Retired
Social security and one very small non-COLA pension
Equities 60-65%
Bonds 30-35%
Cash/CDs 5%
Retired
Social security and one very small non-COLA pension
Equities 60-65%
Bonds 30-35%
Cash/CDs 5%
Re: What is your asset allocation and age?
Age 41/39
A/A 100/0. But will add bonds closer to draw down.
Retired Air Force so one pension plus VA disability already. Spouse will retire from Space Force next year with another pension. I still work trying to fund the gap from 50 to 60 but honestly not sure how long I'll work. I do still enjoy it. Need to figure out a good landing path into my 60s though becuase we will have quite a bit of TSP/IRA/401K by then as well.
A/A 100/0. But will add bonds closer to draw down.
Retired Air Force so one pension plus VA disability already. Spouse will retire from Space Force next year with another pension. I still work trying to fund the gap from 50 to 60 but honestly not sure how long I'll work. I do still enjoy it. Need to figure out a good landing path into my 60s though becuase we will have quite a bit of TSP/IRA/401K by then as well.
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Re: What is your asset allocation and age?
Age 64 DW 62 retired. One pension with COLA, and two SS both delaying until FRA. AA 100% stocks. We do have income from a family farm as well.
Facts are stubborn things. Everything works until it doesn’t.