Survey: Asset Allocations

5% money market
35% bonds
20% u.s. stocks (includes "tangible value" of company stock options - but not "time value.")
3% u.s. reits
25% international stocks (of which 10% emerging markets)
2% commodities
10% net value of ct condo

Above does not include net present value of future traditional pension benefits which equal about 20% of financial/real estate assets.

Have steadily rebalanced from bonds to equities as market has slide. Painful - but I think it's the smart thing to do.

excellent post. Right now, which for me is very different than only 4 weeks ago.

60% cash (hsbc online savings at 3.5%); open to allocate at any time
20% gold (gld, dgp) down from 30% and looking to refill on deleveraging selloff
15% LONG equities as of past two days
5% allocated to accumulating etf's (tbt, pst) for shorting long end of curve; only opening position filled now, hoping it will fall so I could buy more for 12-18 month trade

Hi, Urbandigs.

You might be interested to know that Vanguard's "tax-exempt New York" money market fund now pays 4.35%. As you may know, Vanguard pretty much always has the lowest expense ratios. And there have been big dislocations in the muni market.

The website reference for the Vanguard Tax-Exempt New York Money Market Fund:

https://personal.vanguard.com/us/funds/vanguard/all?sort=type&sortorder=asc#hist::upperTB=pyldTBI|lowerTB=dailyTBI

There's going to be a reporting bias here but anyway,

27% stocks (counting a -2x ETF as a -1x negative nominal exposure rather than +1x)
12% bonds
58% cash
4% other

Are we including retirement accounts or just taxable accounts for purposes of this asset allocation.

100% cash. Colgin had a very good point, with retirement accounts you don't always have great options for safety. But I went cash for a fair amount 10 months ago. (btw, my husband's firm doesn't allow us to invest, because of potential conflicts, so I was fairly limited anyway).

120% stock...

Colgin:

This is not my original post - but money is money. I don't make any distinction between whether it is retirement money, taxable account money, college retirement fund money, etc.

Agreed - retirement accounts are money.