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    Asset Allocation and Age...

    How old are you and what is your asset allocation??

    Im 33. My goal is to retire by age 53, but I would rather not touch my 401k until after 60...

    AA

    401k - (FUSVX) - 100/0 ($250k)
    Roth IRA (VTIVX) - 90/10 ($85k)

    Taxable
    -VWINX 38/62 ($29k)
    -VTSAX 100/0 ($19.5k)
    Last edited by rennigade; 01-18-2017, 05:36 AM.

    #2
    Early 50s.
    70/30
    Equities: mix of S&P500 and large-cap high-yield.
    Bonds: mix of ST Treasuries and "high yield" corporates.

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      #3
      32 and 90/10

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        #4
        Ok...not counting any savings my AA is: 93/7

        I never actually computed that...I think my numbers are correct assuming I mathed correctly. Ugh...one more stat to add to our ever growing spreadsheet...an important one though.

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          #5
          Originally posted by rennigade View Post
          Ok...not counting any savings my AA is: 93/7

          I never actually computed that...I think my numbers are correct assuming I mathed correctly. Ugh...one more stat to add to our ever growing spreadsheet...an important one though.
          Every investment site I have an account with does it for you.

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            #6
            Age 50 65/35

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              #7
              Originally posted by Nutria View Post
              Every investment site I have an account with does it for you.
              That doesn't give you your overall allocation, though. I have accounts that are 100% stock, but I also have accounts that are 100% bonds, and many that are mixed stocks, bonds, and cash.
              Steve

              * Despite the high cost of living, it remains very popular.
              * Why should I pay for my daughter's education when she already knows everything?
              * There are no shortcuts to anywhere worth going.

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                #8
                40 yrs old

                50/50

                It has been like this since I started contributing towards 401k 8 yrs ago. I know it's weird. Reason why I have been doing this way is, I have been using 401k loan as an emergency fund. I have been having c.c debt through out 8 yrs period. Interest rate has been 0 to 3%. Whenever any c.c intro period gets expired, I get 401k loan to pay off the c.c balance. It has been somehow working for me. I still have nearly 60k of c.c. debt.

                Comment


                  #9
                  Originally posted by FoolFromAZ View Post
                  40 yrs old

                  50/50

                  It has been like this since I started contributing towards 401k 8 yrs ago. I know it's weird. Reason why I have been doing this way is, I have been using 401k loan as an emergency fund. I have been having c.c debt through out 8 yrs period. Interest rate has been 0 to 3%. Whenever any c.c intro period gets expired, I get 401k loan to pay off the c.c balance. It has been somehow working for me. I still have nearly 60k of c.c. debt.
                  Bro - I know you haven't asked, but have you considered paying off that CC debt and not taking loans from your 401k?
                  james.c.hendrickson@gmail.com
                  202.468.6043

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                    #10
                    I use 120 minus my age in bonds, so 84% Stock, 16% bonds. I plan to keep it that way until 70 and then hold 50/50 for life.

                    The stock portion is in Total US/Total International at their market weight.

                    The bond portion is in Total US Bond/Muni Bond depending on tax advantage/taxable account.
                    Last edited by AJ444; 01-18-2017, 10:09 AM.

                    Comment


                      #11
                      Originally posted by james.hendrickson View Post
                      Bro - I know you haven't asked, but have you considered paying off that CC debt and not taking loans from your 401k?
                      I have been having some big expense or other every year. I want to max out my 401k contribution. I want to enjoy my life as well. So big vacation once in 2 yrs. We drive old cars, so no car payment but we eat out a lot. Send our kids to all classes. No sacrifice on that. We don't have huge mortgage payments like our friends. We live well below our means as far as mortgage and cars are concerned. Everything else we spend lavishly. Overall after all our expenses, after maxing out our 401k, we don't have anything more than min payment for our c.c. That's why we have been carrying c.c debt. Still no emergency fund. We take loan from our 401k for emergency.

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                        #12
                        Goal AA is 60% US stocks, 20% Int'l stocks, & 20% bonds, at least notionally, and that's how I contribute me money. The actual mix is currently a bit stock heavy (85/15), but I'm okay with it. I'm 30, DW 31.
                        "Praestantia per minutus" ... "Acta non verba"

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                          #13
                          37 & 38 with a 80/20 Asset Allocation

                          Comment


                            #14
                            Originally posted by FoolFromAZ View Post
                            I have been having some big expense or other every year. I want to max out my 401k contribution. I want to enjoy my life as well. So big vacation once in 2 yrs. We drive old cars, so no car payment but we eat out a lot. Send our kids to all classes. No sacrifice on that. We don't have huge mortgage payments like our friends. We live well below our means as far as mortgage and cars are concerned. Everything else we spend lavishly. Overall after all our expenses, after maxing out our 401k, we don't have anything more than min payment for our c.c. That's why we have been carrying c.c debt. Still no emergency fund. We take loan from our 401k for emergency.
                            So much wrong in this post. So you're maxing your 401k and taking an absolute beating with cc interest? huh? Maybe stop spending lavishly? Maybe not send kids to every activity you can think of? Maybe eat out once or twice a week? Or just keep doing what you're doing...

                            Comment


                              #15
                              Originally posted by rennigade View Post
                              So much wrong in this post. So you're maxing your 401k and taking an absolute beating with cc interest? huh? Maybe stop spending lavishly? Maybe not send kids to every activity you can think of? Maybe eat out once or twice a week? Or just keep doing what you're doing...
                              You can lead a horse to water, but you can't make him drink. This horse appears to be happy in the desert far from water...

                              Comment

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