SURVEY: What's your allocation ratio?

[mathjak107]

nooooooooooooooooooooooooooooooooooooooo

[Taiko]

Originally Posted by stellastar2345

I am 22. I have around 25k in my 401k and 25k in my roth ira. Nearly 95% is in some sort of stock. Should I switch to 70% bonds?

Only if you have a panic attack every night and newscaster says the Dow Jones is down. Conventional wisdom says you are right where you should be for the next 20 plus years

[DaveinMtAiry]

Originally Posted by mathjak107

nooooooooooooooooooooooooooooooooooooooo

This. If you take away nothing else from this board please retain this: over time stocks outperform bonds by a large margin. You have 40 years, do not even consider bonds for the next 20+.

[NewbieHere]

Originally Posted by stellastar2345

I am 22. I have around 25k in my 401k and 25k in my roth ira. Nearly 95% is in some sort of stock. Should I switch to 70% bonds?

My kid is 25, she has 100% in stock.

[mathjak107]

Why bother to hold 1/2% of anything. In fact i see no purpose in holding less than 5% of any position.

[lewdog_5]

Originally Posted by stellastar2345

I am 22. I have around 25k in my 401k and 25k in my roth ira. Nearly 95% is in some sort of stock. Should I switch to 70% bonds?

You are setup perfect for your age. If you have 30+ years for retirement, go stock heavy. You can handle some up and downs. I sit at 95% as well and I am age 30.

[reneeh63]

52 - working for only another 10 years, hopefully:

Intl. Bonds 8.1%
U.S. Bonds 16.5% - Total Bonds = 24.6%
Intl. Stocks 26.7%
U.S. Stocks 45.4% - Total Stocks = 72.1%
Cash 3.3%

Of the non-cash, roughly 75% is in a 401(k) and 25% in a Roth.

[leastprime]

We have enough. We are retired.
The Discretionary Trading accounts are all over the place in Stock/Cash. The taxable acct is nearly fully invested in dividend stocks and pretty static - I want the LTCG and dividends. The IRA accounts and Roth accounts are opportunistic, smallcap-value-momentum. The Roths have a bit more cash because we are looking to relocate and buy.
We hold no bonds. Deferred annuities perform that function.