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I'm sure some people exaggerate a bit too because they are trying to convince everyone they are doing better than they really are.
well that too .
but in these discussions unlike many actual financial or retirement forums, people kind of cherry pick what they want to include instead of discussing things in terms of total liquid assets
in other forums things are discussed more in total context. because it is the total ball of wax that eventually is what we have to work with at retirement and it’s growth is what determines our final draw amount from our nest egg , not just what we have in a sheltered plan or equites
after all , even finding the next microsoft but having only 5% of assets in it will hardly move one’s growth meter if 95% is in low yielding investments
so how much of what we have is exposed to actual growth from strong compounding matters.
remember that penny doubling every day riddle .
so it isn’t the fact we got 12% instead of 25% ..it is the fact all future compounding is lost on that difference as well ..that can take its toll over time
we are about 50/50 in dollars with half sheltered in retirement money and half in our taxable accounts.
so ultimately, even including 2 years of cash we are 52% equities ,38 bonds ,11% cash and 1% other taken as a whole.
sure , part of our portfolio is in a 100% equity model with very very long term money , but i would never express it as such in isolation from anything else we have
Last edited by mathjak107; 12-21-2023 at 08:41 AM..
My allocation right now with equities is about 49% US stocks, 5% International stocks. I'm going to bump total equities up to 60% for 2024 and with a bit higher on International. One of my brokered CDs is maturing in Jan, so that money will get deployed into equities.
My allocation right now with equities is about 49% US stocks, 5% International stocks. I'm going to bump total equities up to 60% for 2024 and with a bit higher on International. One of my brokered CDs is maturing in Jan, so that money will get deployed into equities.
does that allocation account for ALL cash instruments as part of fixed income or no cash included in that allocation ?
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