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Portfolio Allocation, Age, and Years Until Retirement

Posted on 4/14/18 at 8:13 am
Posted by kaaj24
Dallas
Member since Jan 2010
638 posts
Posted on 4/14/18 at 8:13 am
I was curious how everyone is currently allocating their retirement portfolio.

My allocation is:

15% - International Equity
5% - Fixed Income
80% - Domestic equity (of which probably 70% Large Cap)

I'm 41 and have about 19 years until I want to retire.

75% of my investments utilize Vanguard ETF Index funds.



Posted by white perch
the bright, happy side of hell
Member since Apr 2012
7163 posts
Posted on 4/14/18 at 9:10 am to
About 30 years till I retire

100% stocks

20% total stock market index
20% large cap growth index
20% mid cap growth index
20% small cap growth index
20% international growth

All vanguard mutual funds.
Posted by Spirit of Dunson
Member since Mar 2007
23111 posts
Posted on 4/14/18 at 9:38 am to
I don't have a strong feel on my allocation. It's all too split up.

I've got some in my brokerage / operating account which is about 90+% domestic equities.
some in my company's 401k account which is a vanguard target 2045 fund.
some in my individual vanguard account which is maybe 45-45 foreign and domestic equities and like 5-10 % bonds.

I've got 20-25 years to go.
Posted by TigerintheNO
New Orleans
Member since Jan 2004
41268 posts
Posted on 4/14/18 at 10:05 am to
mid 40s 100% stocks/index funds, 1.5 years from qualifying for a pension, probably work full time for another 15 years
This post was edited on 4/14/18 at 10:07 am
Posted by gpburdell
ATL
Member since Jun 2015
1425 posts
Posted on 4/14/18 at 2:55 pm to
Early 40s. Would like to be financially independent in 15 years or so. Doesn't mean I'd retire, but I can do whatever.

I adjust my allocation as my portfolio hits milestones. I only had 10% bonds for many years, but when I hit 500k I went to 25% bonds. When I hit the 2 comma club, I'll probably adjust again.

25% Large Cap
15% Small Cap
10% REIT
15% Developed Intl
10% Emerging Intl
25% Bonds
Posted by TheWalrus
Member since Dec 2012
40888 posts
Posted on 4/15/18 at 5:13 pm to
Late 20s

75% Domestic Large Cap
25% International Large Cap
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