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Portfolio Allocation, Age, and Years Until Retirement
Posted on 4/14/18 at 8:13 am
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.
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.
5
Posted on 4/14/18 at 9:10 am to kaaj24
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.
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 on 4/14/18 at 9:38 am to kaaj24
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.
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 on 4/14/18 at 10:05 am to kaaj24
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 on 4/14/18 at 2:55 pm to kaaj24
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
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 on 4/15/18 at 4:34 pm to gpburdell
Mid 40s. In the 2 comma club. I jump between bond and low cost leveraged ETFs based on market fluctuations on a quarterly basis and usually beat the S&P 500 Index. Not bad for having a third of my money in bonds. Currently at:
25% Small Cap ETF
17% Leveraged Mid Cap x2 ETF
25% Leveraged Nasdaq-100 x3 ETF
33% Bonds
When I get my kids fully educated I can quit, but will probably keep working.
25% Small Cap ETF
17% Leveraged Mid Cap x2 ETF
25% Leveraged Nasdaq-100 x3 ETF
33% Bonds
When I get my kids fully educated I can quit, but will probably keep working.
Posted on 4/15/18 at 4:52 pm to RoyalWe
How much are you putting away each year to be in the "2 comma club" in your mid 40s?
Posted on 4/15/18 at 4:59 pm to HailToTheChiz
Probably the most impactful decision was to consistently put away as much as I could reasonable afford as soon as I began my career. My 401k contribution is maxed out and has been for several years. It helped that I changed companies and was able to convert 'company 401k' to self-directed IRAs a couple of times. The offerings by most companies are not aggressive enough for my tastes.
Posted on 4/15/18 at 5:13 pm to kaaj24
Late 20s
75% Domestic Large Cap
25% International Large Cap
75% Domestic Large Cap
25% International Large Cap
Posted on 4/15/18 at 5:51 pm to RoyalWe
quote:
Probably the most impactful decision was to consistently put away as much as I could reasonable afford as soon as I began my career. My 401k contribution is maxed out and has been for several years. It helped that I changed companies and was able to convert 'company 401k' to self-directed IRAs a couple of times. The offerings by most companies are not aggressive enough for my tastes.
That's awesome
I need to do better
Posted on 4/15/18 at 6:11 pm to HailToTheChiz
The other factor is living within my means. I was always wondering how people (who I knew made less than I did) were able to go on expensive trips or buy expensive stuff. The answer was that they were borrowing money.
I'm glad I was disciplined early in life so I can enjoy it now. Life's pretty good right now from a financial perspective.
I'm glad I was disciplined early in life so I can enjoy it now. Life's pretty good right now from a financial perspective.
Posted on 4/15/18 at 7:02 pm to RoyalWe
quote:
Probably the most impactful decision was to consistently put away as much as I could reasonable afford as soon as I began my career. My 401k contribution is maxed out and has been for several years.
Really is the way to go. I was maxing out my 401k and took a job that offers a 401k and a 457. I took almost all the extra salary from the switch and now max both of those.
I think it's easier mentally to do it this way instead of reverse. If you max out all your accounts and then get a raise, you can adjust up your lifestyle without issue because you're already doing what you need to do.
However, it' a lot harder IMO to be putting in whatever, get a raise, and not adjust your lifestyle up before your savings, constantly never making up the savings you need to have.
This post was edited on 4/15/18 at 7:03 pm
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