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Old 02-22-2017, 03:57 PM
 
Location: SoCal
13,252 posts, read 6,345,210 times
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Quote:
Originally Posted by BeerGeek40 View Post
Always good advice to quote Buffett and guess what folks -- people are getting too greedy and the market has run up too much right now. If you are near retirement age, better keep a lot in CASH.
And if you just do some googling, Warren Buffet just invested boatloads of money in the stock market recently. I would follow his action and sage advice.
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Old 02-23-2017, 08:55 AM
 
4,776 posts, read 6,617,390 times
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Quote:
Originally Posted by mathjak107 View Post
study's show the sweet spot is 40-60% equity for retirement if you want a 3-1/2 - 4% draw rate inflation adjusted.
retired and 40% equity myself .
Ok, just exactly what do you mean by "40-60% equity"? I'm assuming it has something to do with the balance between stocks and other investments, but what exactly?
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Old 02-23-2017, 09:16 AM
 
Location: SoCal
13,252 posts, read 6,345,210 times
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Asset allocations. Google bogglehead forum. Tons of information there.
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Old 02-23-2017, 09:24 AM
 
71,692 posts, read 71,801,099 times
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Quote:
Originally Posted by Luvvarkansas View Post
Ok, just exactly what do you mean by "40-60% equity"? I'm assuming it has something to do with the balance between stocks and other investments, but what exactly?
40% to 60% equity's , the rest intermediate term bond fund and cash
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Old 02-25-2017, 10:15 AM
 
3,803 posts, read 2,019,304 times
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Quote:
Originally Posted by Nut4sweets View Post
Besides maxing out your 401K contribution, also max out your Roth IRA contribution before investing in any market account since it's tax-free on your interest. Some Vanguard conservative mutual funds have good yieldings too. I'd talk to a financial advisor about this.
The total is $18K (excluding catch-up to simplify) so I don't understand maxing out Traditional vs Roth. You seem to suggest you can have 18K in one and another 18K in another which I don't think is possible.
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Old 02-25-2017, 10:22 AM
 
Location: SoCal
13,252 posts, read 6,345,210 times
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Quote:
Originally Posted by Yippeekayay View Post
The total is $18K (excluding catch-up to simplify) so I don't understand maxing out Traditional vs Roth. You seem to suggest you can have 18K in one and another 18K in another which I don't think is possible.
$5500 or $6500 if you older than 50. As long as your income is under a certain threshold. This is in addition to $18k you can contribute to 401k.
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Old 02-25-2017, 11:15 AM
 
Location: Haiku
4,123 posts, read 2,584,370 times
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Quote:
Originally Posted by Luvvarkansas View Post
Ok, just exactly what do you mean by "40-60% equity"? I'm assuming it has something to do with the balance between stocks and other investments, but what exactly?
The 40-60% is the percentage of your liquid assets that would be invested in equities. Equities are stocks and stock market mutual funds and exchange traded funds (ETFs). Liquid assets are savings and 401k, IRA, 403b, etc. It does not include your house.

The remainder of liquid assets is typically invested in "fixed income" investments: Bonds, bond funds, CD's and just plain cash. But it can also be invested in commodities like gold or in an annuity.
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Old 02-27-2017, 10:21 PM
 
4,776 posts, read 6,617,390 times
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Quote:
Originally Posted by TwoByFour View Post
The 40-60% is the percentage of your liquid assets that would be invested in equities. Equities are stocks and stock market mutual funds and exchange traded funds (ETFs). Liquid assets are savings and 401k, IRA, 403b, etc. It does not include your house.

The remainder of liquid assets is typically invested in "fixed income" investments: Bonds, bond funds, CD's and just plain cash. But it can also be invested in commodities like gold or in an annuity.
Thank you...a very detailed and easy-to-understand explanation.
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Old 02-28-2017, 02:31 AM
 
Location: Silicon Valley
3,619 posts, read 1,632,678 times
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Depending on where you live, if there's a significant amount of money involved, I'd look at farmland for a portion. There are plenty of farmers looking to lease land and you get a % of the crop-share. Leases are NNN and there's not much to maintain even if something is carved out. Certainly neither the land nor the crop price is stable, but you'll always have the land, and people are always going to eat.

I bring it up because today, stocks appear fully priced. Real estate (at least in this area) looks fully priced. Bonds look fully priced. Gold looks fully priced and the dollar looks strong.
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Old 02-28-2017, 03:24 AM
 
Location: Mount Airy, Maryland
10,465 posts, read 5,935,374 times
Reputation: 16165
So farmland it is.
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