Breaking Down My Retirement Portifolio
If you enjoyed this post,
It has been interesting to watch the stock market lately with the wild ride up and down the indexes all over the world. It got me to thinking about my retirement portfolio and where my assets are at.
Morningstar offers a free Instant X-Ray for those who are interested in finding out how their portfolio breaks down without a membership. I am going to K.I.S.S. the breakdown of my retirement portfolio so we can understand what we are looking at.
Loading …Asset Allocation
There are different categories of assets of which the most common ones are stock, bonds, and cash.
- 3% - Cash
- 4% - Bonds
- 3% - Other
- 90% - Stock
This is fairly close to being inline with my expectations for my asset allocation for having 95% in Stocks and 5% in Bonds. The 6% total in cash and other types of investments is beyond my control as it is within my funds’ manager discretion to use.
With a long investment horizon of 40 years, this is a fairly good stance to have.
Comment by Georg on 5 June 2008:
You have a nice and aggressive allocation. The only thing is that unless you have a large account already, the 3-4% diversified out of stocks really will make no impact on your assets, may be just as worth while to put it all in stocks, although that is anathema to most planners like me
Comment by Mark from TheLocoMono on 5 June 2008:
Georg - As stated in the post, the 3 to 4 percent is beyond my control because these are the mutual funds only, not my additional assets.
Some of the mutual funds are invested in private companies, currency hedges, and commodities. In fact, it is these funds that are invested in the other categories that are doing better than the all stock funds. I will have to post an update soon because it is surprising to see.
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