Deleted
Deleted Member
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Post by Deleted on Dec 30, 2020 23:21:38 GMT
My 2021 Retirement Asset allocation, 13 years to retirement.
General International - 4%
Emerging Market - 12%
US Mid/small - 4%
US Large Value - 16%
US Large Growth - 40%
Bonds - 4%
Cash - 20% (mostly due to selling of underperforming funds in this month.)
Where should I allocate my cash?
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Post by Chahta on Dec 31, 2020 13:44:23 GMT
I am having a hard time buying equities at this level. Maybe RPHIX until you want to buy.
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Post by rhythmmethod on Dec 31, 2020 13:53:35 GMT
I basically agree with Chahta. I have been adding to some foreign on the BABA drama, however. |
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Deleted
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Post by Deleted on Jan 1, 2021 15:55:22 GMT
Thanks, I will keep my current investments, wait for the dips and add the new money in to international, emerging and mid/small cap.
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Post by xray on Jan 5, 2021 20:15:19 GMT
Some of us do not invest to a standard type of diversification. We observe where the "action" is [or not] and look over that particular sector for a potential buy. If/when sector favorability again changes, we again observe where the action is [or what sectors are extremely undervalued] and through analysis, take a position in a security or dollar cost average accordingly....
If/when buying into a particular sector, we follow a maximum 10-15% maximum allocation. Currently the undervalued oil sector [lost sector for many years now] has some great future potential for when people start traveling again [airlines, hotels, cars, etc]. Buying a investment should be before the general investment community all come in together [IMHO]....
Our diversification has followed this pattern and has worked out well over many years now....
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Post by uncleharley on Jan 5, 2021 21:50:35 GMT
I'm glad to see someone mention Oil investments in a positive manner. Not only is there value because of the sector being beaten down, but the overvalued USD has been trending down for several months creating a tailwind for all commodities including oil. There are a number of vehicles that one could use to invest in the sector. The attractiveness of each probably depends on ones personal needs an objectives. My choice is KMI which pays a 7ish% dividend and is positioned for some interesting growth imho.
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Post by xray on Jan 7, 2021 15:54:57 GMT
to uncleharley
When investors don't appreciate oil for the longer term [or try to understand them as well as the market conditions], as well as the current dividend under-evaluation, "OPPORTUNITIES" are present. With my latest buy into the oil sector, I am now at approximately 20% of portfolio. With that said....
Oil right now [IMHO] is going higher. I like the "Penny Stocks" [<$10], that are currently considered undervalued, for many reasons [more shares for higher profits] that currently have higher current dividends with a greater potential for CapGains. "Penny Stocks" can be very dangerous if a investor is unfamiliar on how to invest in them. Normally any penny stock invested in cannot have more shares than >2% of one's portfolio for initial buying. Additional shares should never be bought should the penny stock decline in MktPrc. Here is one to consider for when the oil sector comes back into favor:
Security under review [COB Friday]:
... "SINGLE OPINION" analysis ...
USDP
Canadian/American railroad & Terminals [oil]
MktPrc 3.41
Last Insider Buying activity: 3/20/20 76,000sh @ 4.78
Discount: +1.04 [positive]
Intrinsic Value: 3.57
Performance for past week: -0.23
Short term range for MktPrc on security: 3.41-3.67
3/20/2020 Mkt Crash MktPrc: 2.14
Current Dividend: 13.02% [positive R72]
R72 years for return of investment: 5-6 years
Dividend Sustainability: +2848 [needs +3421 for continued positive sustainability]
Current Book Value: 5.03
Direction Trend: +0.34 [need +2.21 for current buying activity]
MTB: -0.95 [need 1.00 for positive signal]
Latest investor [me] in dollar cost averaging activity [UP]: bought on 1/5/2021 for additional 500sh [now holding a phase #2 position [4-6%]
Star Rating: 6stars "neutral" [0-10star evaluation]
13wk star rating: 5.71 [neutral]
Latest Positive news: USDP will open new terminal in 1st Qtr 2021
Report Card Grade: 57 [Marginal fail (50-60 range]
Power Rating: 61 [if/when higher than report card grade, security should be going higher]
Risk [Rf] for inclusion into portfolio: +0.423 [+1.277 for current buying activity]
Current Portfolio Sell Code: "5" [At Risk]
Current Buying [total] analysis [evaluation] status: 1304/1877 [need 1400/2000 for buy cycle, 1000/1400 considered trading range, <1000/1000 share reduction and sellout warning]
Hope this helps a little for my [sole opinion] penny stock evaluation....
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Post by uncleharley on Jan 7, 2021 18:07:20 GMT
My weekly chart for $WTIC indicates that we should see an additional 10% increase in the price of crude or a bump up to the $55/60 range. The frackers in the Permian Basin and in the Bakken are happy with $45 so I am expecting the producers and the pipelines to be busy. Once the covid vaccines have been administered the demand for petroleum products should pick up. Perhaps we are early, but I smell a bull market and yes, clean energy will also continue to grow. stockcharts.com/h-sc/ui?s=$WTIC&p=W&b=3&g=0&id=p2918132753c&a=412434637&listNum=86 |
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Post by fred495 on Feb 28, 2021 16:58:57 GMT
In terms of my retirement asset allocation, and not just in 2021, I found the following advice of another poster (chang?) always very helpful: "I don't really need a lot more money - but I certainly don't want to lose a lot. I need to remind myself to err on the side of caution." I am not a buy-and hold investor and since my retirement in 2007, I have varied my portfolio's equity exposure roughly between 0% and 30%. Between September 2007 and April 2009, for example, I was only invested in Treasury bills and notes. Currently, my equity exposure is 17%, and is comprised of FMSDX and alternative funds JHQAX and TMSRX. For the bond portion of my portfolio I use SUBFX, RCTIX and TSIIX, and the bond-like alternative fund ARBIX. The rest, roughly 20%, is in cash and looking for a home. According to Portfolio Visualizer, over the past three years my conservative portfolio had a standard deviation of 3.89% , a Sortino Ratio of 1.99, and a compound annual growth rate (CAGR) of 6.37%. In the current low inflation environment, I am quite satisfied if my annual total return is between 3 and 6%. So far, I have not had to make any withdrawals from my portfolio since I have other sources of income that are quite sufficient to meet all my living expenses. Good luck, Fred
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stats
Lieutenant
Posts: 53
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Post by stats on Feb 28, 2021 20:22:42 GMT
My 2021 Retirement Asset allocation, 13 years to retirement. General International - 4% Emerging Market - 12% US Mid/small - 4% US Large Value - 16% US Large Growth - 40% Bonds - 4% Cash - 20% (mostly due to selling of underperforming funds in this month.) Where should I allocate my cash? How times have changed. When I started investing I used an allocation model like this, but I over weighted large value instead of large growth. We also over allocated emerging markets but never received any extra return from it. At the end of the day, we chose to allocate our entire US equity to vanguard’s mid cap index. The mid cap index was less volatile than small cap with significantly more return than large caps. I don’t have any specific advice. Oil is cheap, but hard for me to guess how long it takes to rebound. That’s like says stocks are expensive so I would avoid them and wait for a correction. If you can guess when the next correction happens then hold cash. I would probably add mid caps, 🙂. stats |
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Post by Norbert on Mar 1, 2021 13:04:09 GMT
In terms of my retirement asset allocation, and not just in 2021, I found the following advice of another poster (chang?) always very helpful: "I don't really need a lot more money - but I certainly don't want to lose a lot. I need to remind myself to err on the side of caution." I am not a buy-and hold investor and since my retirement in 2007, I have varied my portfolio's equity exposure roughly between 0% and 30%. Between September 2007 and April 2009, for example, I was only invested in Treasury bills and notes. Currently, my equity exposure is 17%, and is comprised of FMSDX and alternative funds JHQAX and TMSRX. For the bond portion of my portfolio I use SUBFX, RCTIX and TSIIX, and the bond-like alternative fund ARBIX. The rest, roughly 20%, is in cash and looking for a home. According to Portfolio Visualizer, over the past three years my conservative portfolio had a standard deviation of 3.89% , a Sortino Ratio of 1.99, and a compound annual growth rate (CAGR) of 6.37%. In the current low inflation environment, I am quite satisfied if my annual total return is between 3 and 6%. So far, I have not had to make any withdrawals from my portfolio since I have other sources of income that are quite sufficient to meet all my living expenses. Good luck, Fred
Interesting post! Regarding FMSDX, I see that its stock positioning is towards LC Value. For some reason, that surprised me. Do you know how active the fund is in adjusting its holdings? Is there an allocation history available? I couldn't find anything at Fido. Was curious if they shifted from Growth to Value recently. |
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dirt
Ensign
Posts: 9
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Post by dirt on Mar 1, 2021 14:20:54 GMT
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Post by yogibearbull on Mar 1, 2021 15:09:43 GMT
In terms of my retirement asset allocation, and not just in 2021, I found the following advice of another poster (chang?) always very helpful: "I don't really need a lot more money - but I certainly don't want to lose a lot. I need to remind myself to err on the side of caution." I am not a buy-and hold investor and since my retirement in 2007, I have varied my portfolio's equity exposure roughly between 0% and 30%. Between September 2007 and April 2009, for example, I was only invested in Treasury bills and notes. Currently, my equity exposure is 17%, and is comprised of FMSDX and alternative funds JHQAX and TMSRX. For the bond portion of my portfolio I use SUBFX, RCTIX and TSIIX, and the bond-like alternative fund ARBIX. The rest, roughly 20%, is in cash and looking for a home. According to Portfolio Visualizer, over the past three years my conservative portfolio had a standard deviation of 3.89% , a Sortino Ratio of 1.99, and a compound annual growth rate (CAGR) of 6.37%. In the current low inflation environment, I am quite satisfied if my annual total return is between 3 and 6%. So far, I have not had to make any withdrawals from my portfolio since I have other sources of income that are quite sufficient to meet all my living expenses. Good luck, Fred
Interesting post! Regarding FMSDX, I see that its stock positioning is towards LC Value. For some reason, that surprised me. Do you know how active the fund is in adjusting its holdings? Is there an allocation history available? I couldn't find anything at Fido. Was curious if they shifted from Growth to Value recently. Old M* Portfolio page shows mostly large-value over 5 years but large-blend in 2018. portfolios.morningstar.com/fund/summary?t=FMSDX®ion=usa&culture=en-US |
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Post by steadyeddy on Mar 1, 2021 16:51:05 GMT
FMSDX is one of my balanced funds. It seems to fall in between Wellesley and Wellington in terms of performance. It has some diversification benefits as a holding along with the W's.
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Post by chang on Mar 3, 2021 7:03:21 GMT
In terms of my retirement asset allocation, and not just in 2021, I found the following advice of another poster (chang?) always very helpful: "I don't really need a lot more money - but I certainly don't want to lose a lot. I need to remind myself to err on the side of caution."Yes, I have said that before, and I'm glad you have occasionally repeated it, because I need to be repeatedly reminded of it. I have a tendency to get a little too interested in niche opportunities, and when added up these can creep up on me, and in aggregate, can increase my exposure/risk to a level that is higher than I need/want. A few months ago I calculated my portfolio to be around 57% equity, and decided to reduce it. Several sells later, it was down to around 47% -- just in time, it turns out, for the mini-rout we just had. But I've also been buying some "explore" positions, and I ought to pause now. So I'm calling a moratorium on buying, unless it's a solid PyrUp buy into a position bulging with profit. And I will monitor my equity proportions and rebalance a little more often (which is to say, rebalance; since until those recent sells I had simply been letting everything ride). |
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Post by yogibearbull on Mar 19, 2021 17:47:09 GMT
FMSDX is one of my balanced funds. It seems to fall in between Wellesley and Wellington in terms of performance. It has some diversification benefits as a holding along with the W's. M* puts FMSDX in conservative-allocation [CA2] with 30-50% equity but effective-equity analysis shows it at 57.26%, or moderate-allocation 50-70%. It seems that its holders enjoyed its ride up, but were not ready for its ride down. |
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Post by steadyeddy on Mar 19, 2021 20:31:52 GMT
FMSDX is one of my balanced funds. It seems to fall in between Wellesley and Wellington in terms of performance. It has some diversification benefits as a holding along with the W's. M* puts FMSDX in conservative-allocation [CA2] with 30-50% equity but effective-equity analysis shows it at 57.26%, or moderate-allocation 50-70%. It seems that its holders enjoyed its ride up, but were not ready for its ride down. , yep I sold all of it the other day. Reducing widgets that don't handle volatility well. |
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galeno
Commander
KISS & STC
Posts: 221
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Post by galeno on Mar 23, 2021 22:46:37 GMT
46% world equity ETF (VWRD)
50% world bond ETF (VAGU)
4% cash
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Post by steadyeddy on Mar 24, 2021 16:15:48 GMT
46% world equity ETF (VWRD) 50% world bond ETF (VAGU) 4% cash , you are consistent !! Great!! |
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Post by Chahta on Mar 24, 2021 22:02:38 GMT
46% world equity ETF (VWRD) 50% world bond ETF (VAGU) 4% cash Wish I had the discipline for something so simple. |
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Post by richardsok on Mar 25, 2021 11:50:20 GMT
46% world equity ETF (VWRD) 50% world bond ETF (VAGU) 4% cash Wish I had the discipline for something so simple. Wazzup widDIS, galley? -- TDAmeritrade -- Schwab -- Merrill Lynch. None of them recognize your VWRD or VAGU symbols.  ?? |
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Post by Chahta on Mar 25, 2021 12:06:39 GMT
galeno lives in Puerto Rico Costa Rica and cannot does not buy US funds I believe.
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Post by yogibearbull on Mar 25, 2021 12:10:54 GMT
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Post by anovice on Mar 25, 2021 15:26:37 GMT
galeno is a Tico.
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galeno
Commander
KISS & STC
Posts: 221
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Post by galeno on Mar 29, 2021 16:02:18 GMT
VWRD is Ireland Vanguard's version of USA Vanguard's VT. Bought on the LSE.
VAGU is Ireland Vanguard's version of USA Vanguard's BNDW. Bought on the LSE.
If we buy and hold VT and BNDW bought on the NYSE we would pay much higher withholding taxes on the dividend and interest income.
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