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Old 08-06-2016, 02:21 PM
 
Location: Los Angeles
2,914 posts, read 2,678,247 times
Reputation: 2450

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73% stocks / 20% bonds / 3% gold / plus 4% cash that is waiting to get invested
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Old 08-06-2016, 03:01 PM
 
1,986 posts, read 1,192,261 times
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50 next week
not retired
94% stock
6% cash

Last edited by FREE866; 08-06-2016 at 04:22 PM..
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Old 08-06-2016, 03:29 PM
 
2,587 posts, read 2,260,656 times
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Age matters, so state your age along with your allocation and whether or not you are retired.
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Old 08-06-2016, 06:26 PM
 
10,075 posts, read 7,502,229 times
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age does not matter, risk tolerance does... someone could be 100% stocks at 70 and be fine, need to know they might run into large drops and might not recover before they need money

someone could be 100% bonds at 20 and be fine, well... fine in terms of wealth protection, just need to know they will spend more time accumulating as a trade off
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Old 08-06-2016, 06:32 PM
 
Location: Carmichael, CA
2,409 posts, read 4,434,780 times
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retired, 60
34% cash
58% stocks
8% bonds
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Old 08-06-2016, 07:08 PM
 
3,454 posts, read 4,911,502 times
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45% stocks
45% bonds
5% cash
5% gold
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Old 08-06-2016, 08:00 PM
 
Location: Was Midvalley Oregon; Now Eastside Seattle area
13,031 posts, read 7,419,985 times
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Asset stream allocations to be converted to Income stream in the next few years. Age does matter.
66/69 retired,
~25% SS and pension assumed @3.5% yield to asset
~25% deferred GLWB VA (all equity) and deferred FixedIndex annuities (Actual CV acct)
~25% Rental (asset)
~25% Discretionary, 50%-200% churn, currently ~50% cash. (asset)
No bonds, No foreign, No CDs. pulling SS. Own. LTCi.

I have some idea on future income but exact % is still fluid.
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Old 08-06-2016, 08:29 PM
 
Location: Haiku
7,132 posts, read 4,746,849 times
Reputation: 10327
Quote:
Originally Posted by MLSFan View Post
age does not matter, risk tolerance does... someone could be 100% stocks at 70 and be fine, need to know they might run into large drops and might not recover before they need money

someone could be 100% bonds at 20 and be fine, well... fine in terms of wealth protection, just need to know they will spend more time accumulating as a trade off
A lot of people believe that your risk exposure should be no more than is needed to achieve your investment goals. Many people have met their investment goals by the time they are 60'ish and hence a lot of people ratchet down their stocks and increase their bonds. At least that is the common advice given out.

I think it is interesting myself to see how many people actually do decrease their risk exposure (i.e., equity allocation) as they age.

Personally, I went from 100% stocks at age 55 to 65% stocks at age 63, and I am lowering that further to 60% stocks (I am 65). It will likely remain there until I die.
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Old 08-06-2016, 10:48 PM
 
Location: Los Angeles
2,914 posts, read 2,678,247 times
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Quote:
Originally Posted by FREE866 View Post
50 next week
not retired
94% stock
6% cash
Hopefully you don't have a huge nest egg that you're dealing with there. Beware what can happen when you're taking on that much risk.

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Old 08-06-2016, 11:02 PM
 
Location: Haiku
7,132 posts, read 4,746,849 times
Reputation: 10327
Quote:
Originally Posted by Big-Bucks View Post
Hopefully you don't have a huge nest egg that you're dealing with there. Beware what can happen when you're taking on that much risk.
Another post where the person cherry picks the worst year in investing in the last 80 years to illustrate a point. Yes, retiring in the year 2000 would have been a big bummer. We all know that. But it is the proverbial black swan event. The question any retiring person needs to answer is: Do you invest for the scenario that is 97% most likely to occur, or do you invest for the absolute worst-case scenario?
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