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| Catty Catty • Messages: 2 • Years on forum: 11.3 |
10:10 AM 05/26/2014 |
I am 52, 14 years to retirement, accumulation phase, objective is growth, 2 years before my only kid goes to college.
Current portfolio allocation is:
US stocks 35%, International Stocks 15%, Bonds 15%, Cash 35%
Stocks (us+ intl) = Large 70%, mid cap 21%, small cap 9%
Bonds: Investment grade 94%, short duration 36%, Intermediate 37%, long 27%
How would you optimize this portfolio?
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| Dee Ann Foster • Messages: 5 • Years on forum: 11.3 |
09:13 PM 07/26/2014 |
Take into account that retirement and college investing are 2 totally different things.
College savings will be spent over a 4 year period or so, you need to protect the principal. With only 2 years left I would decrease allocation to stocks.
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| Bod Malone • Messages: 5 • Years on forum: 11.3 |
07:57 AM 07/27/2014 |
Do you need so big part of your portfolio in cash?
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| Catty Catty • Messages: 2 • Years on forum: 11.3 |
05:06 PM 07/27/2014 |
No, I am fine to decrease it.
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| Richard Jones • Messages: 3 • Years on forum: 11.3 |
02:26 AM 07/28/2014 |
So I would decrease it to 3-5% and decrease stock allocation to 30%
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