Out of curiosity to find out what people's CURRENT asset allocations are (as of the end of this week). I think it would be very interesting to get a survey of a number of people in the NY metro area.
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
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.
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).
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.
Out of curiosity to find out what people's CURRENT asset allocations are (as of the end of this week). I think it would be very interesting to get a survey of a number of people in the NY metro area.
I'll gladly start. Roughly:
80% cash (checking/savings, money markets, ST treasuries)
15% equities
1% commodities
4% bonds
Looking to go longer equities/commodities in near term.
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.