portfolio allocation

[LivingAlmostLarge]

	%
Cash	5.54%
Tech	21.41%
Travel	1.56%
Goods	1.31%
International	19.08%
Real Estate	4.56%
Small	6.33%
Mid	4.87%
Large	28.14%
healthcare	3.87%

This is my portfolio not quite 100% but close enough . My large cap is s and p index and the bulk of the international is large international index. DH's 401k is awful with like 9 choices so it's mostly State street total market and Global index SSGLX those two choices. but I'm thinking of decreasing his international holdings and increasing the s and p index.

What do you guys think? When do you guys start shifting to bonds? I don't hold much in bonds anymore because we aren't buying real estate anytime soon. RE is vanguard REIT index. Very boring. We had a lot of cash for awhile because I thought we were going to become landlords. Instead I bought the market this year. So now the cash is our EF, TIPS, and cash that is sitting in our investment account waiting to be deployed.

How are your portfolios balanced?

[corn18]

Indexer, so this answer is easy:

40% Total US stock
20% Total International stock
40% Fixed income (this used to be total bond, but my 401k has a good stable value fund, so it's all in there now)

That's it. Keeps me from doing something stupid.

If I were you, I would keep doing what you are doing. I usually get preachy with the indexers beat active investors speech, but I cannot argue with your results. You do you.

[disneysteve]

How are your portfolios balanced?

As of 12/31/20:

56 (me) and 57 (DW)

67.15% stocks
23.11% bonds
9.73% cash

I don't have a prepared breakdown to the point that you do.

Edited to add ages.

[Fishindude77]

Good to look at this stuff every now and then.
Current situation:

Cash 17%
Closely held business ownership, private stock 9%
Stock market mutual funds IRA 32%
Real estate 39%
Misc. 3%

No plans for any significant changes anytime real soon.
Our mutual funds are a good mix, as recommended by the gentleman that handles the our IRA.

[cypher1]

Age 39 for 90/10:
Total US: 43%
Total Intl 12%
Healthc 9%
LifeStrat 9%
SMcap 8%
Misc stocks: 9%
Bonds 10%

401K 95/5:
US Large Cap 34%
Equity Index 34%
SM Midcap 16%
Intl Index 10
Bond Index 5%
Other 1%

I include age since the question of when to shift more to bonds comes into more consideration. When markets were dropping in earlier 2020 I debated around rebalancing around 85/15 on both. But figured I'd let it just ride, as I was already offloading some more volatile funds earlier that year. Otherwise I probably won't consider more bonds till mid to late 40s. I'd like to hear others' thoughts on that subject. The same goes for International funds. I used to keep 15%, and debated about selling, but then decided to leave and allocate more in other funds going forward.

I've also realized I don't mind monitoring the balances, but i don't like making a lot of adjustments or tweaks, unless updating portfolios once a year.

[srblanco7]

Age 52. Total portfolio is split 50/50 between retirement and brokerage accounts (529 accounts excluded)

Retirement accounts are at 74% stocks / 26% bonds
Brokerage accounts are at 83% stocks / 13% bonds / 4% cash

Aggregated 78.5% stocks / 19.5% bonds / 2% cash

[kork13]

We're 34/35. Don't readily have exact numbers, but I've kept ~10% of total portfolio in bonds for the last 10+ years. No intention or desire to change that anytime soon. Maybe in our 50s I'll reduce stocks a bit (somewhere between 70/30 - 80/20)... But I figure my investments will need to grow for decades to come, so I'll just keep it mostly in stocks to support that intent. Realistically, most of this will be charitable giving or generational wealth.... So my age or risk tolerance doesn't matter much.

[Like2Plan]

DH 65, me 64
The last snapshot I did was on 12/31/2020--DH and I (I track all of our portfolio together)were about 43% cash/bonds and 57% equities. Of the 57% equities, about 5% were international.

[Singuy]

88% individual stocks
11% index funds
1% real estate
0.3% cash

[disneysteve]

88% individual stocks
11% index funds
1% real estate
0.3% cash

I'm assuming the answer is yes, but are the index funds all 100% stock funds?