Just curious what you all have, allocation wise, for dedicated retirement funds.
Personally:
International: 30% (70% is Large Cap, the rest is emerging markets)
Large Cap: 20%
Small Cap: 10%
Total Stock: 20%
Bond: 20%
I’m 31 and think foreign funds will recover quicker and are ‘safer’ than historically perceived. However, given the financial craziness, who knows what to believe at this point.
I’d like to hear what you all are doing, for SNGs.
I was just about to google what sort of new financial term ‘SNG’ is before I caught myself.
45% Large Cap
25% International/Emerging Market
15% Small Cap
10% Bond
5% Treasuries
That’s in my primary fund. I keep a few IRAs and Roth IRAs that are more conservative to keep my family out of the soup line in a Great Depression scenario.
I’m 30.
My allocation is currently about -$40,000 (student loans)
Someday I’ll start a retirement account… someday…
Jodi
You’ve seen those alpaca farming commercials, right? I’m doing something similar, only with midgets.
I thought you were going to open your very own Pottery Barn?
80% in a 1% - 4% going no where accounts - money market - T bill - IRA .
20% S&P
Gov. retirement ( only into it 5 years ) writing that off to the next Madoff yitich .
Preservation of capital is job one , savings are 10 -20 K a year .
I sleep good at night , I don’t flip off people in traffic during the stock report .
10% Small Cap Blend
25% All Cap Growth
47% All Cap Value
13% Investment Grade Bond
5% High Yield Bond
Roughly 30% international across all asset classes. I see the domestic market turning around first but more long term potential in internationals.
30 years old.
My accounts are with Fidelity.
I moved my accounts into cash late in August, then a couple of weeks ago I moved them into a Fidelity Freedom xxxx account.
Fidelity has a series of accounts, maybe from 2010 to 2050 (I am not sure of the range) . . . and you populate the xxxx that approximates when you want to retire, or how much risk you want. For example, I may retire in 2015 so I placed some funds in Freedom 2015 and in Freedom 2020, and their managers take care of the rest, using percentages according to the length of time to retirement.
If you are risk adverse, you may pick a fund to ‘retire’ earlier. . . etc
I did it this way now cuz I have no idea where to put the monies.
My accounts are with Fidelity.
I moved my accounts into cash late in August, then a couple of weeks ago I moved them into a Fidelity Freedom xxxx account.
Fidelity has a series of accounts, maybe from 2010 to 2050 (I am not sure of the range) . . . and you populate the xxxx that approximates when you want to retire, or how much risk you want. For example, I may retire in 2015 so I placed some funds in Freedom 2015 and in Freedom 2020, and their managers take care of the rest, using percentages according to the length of time to retirement.
If you are risk adverse, you may pick a fund to ‘retire’ earlier. . . etc
I did it this way now cuz I have no idea where to put the monies.
These types of funds are getting better and better.
Just curious what you all have, allocation wise, for dedicated retirement funds.
I’m hoping that the $750 per month that the feds tell me I can likely collect when I turn 62 (just 13 years to go!) will actually happen.
I have substantial savings too (compared to $750/mo), but I figure that if my parents don’t outlive me, I’ll inherit enough to make my savings pretty unnecessary.
IOW… I ain’t worried about it. I know how to live quite well on $1k/mo.
I know how to live quite well on $1k/mo.
My bar bill is more than that.
If your only 30, go 100% equities at this point. We are well below the long term trend line. Could we go lower, yes. However, you are buying equities at attractive prices. Assuming you have only been contributing for a few years, your future savings will trump any returns in a retirement account at this point. Saving at 30 is more important than a few basis points of positive or negative returns over the next year.
x2, but i’m at 56K, someday i’ll start a retirement fund too!