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Learning, Sharing, and Teaching => Investor Alley => Topic started by: LiseE on May 07, 2014, 11:16:27 AM

Title: Asset Strategy Question
Post by: LiseE on May 07, 2014, 11:16:27 AM

Hello all .. my hubby and I have been earning to spend and we've recently switched over to saving to live!  I'm currently looking at our 401K investments and wanted some feedback on the allocations.

My 401K - 330K (95% Stock, 5% Bonds)
Hubbys 401K - 150K (75% Stock, 25% Bonds)
I have an inherited SEP IRA that is 110K and entirely in bonds

So apprx 20% of our portfolio is in bonds.

We are in our late 40's and hoping to be FIRE in the next 5-7 years.  My hubby's company will match 401K contributions 100% for the first 20% contributed.  His 401K plan is with Vanguard and he has a ton of options.  I do not have any bond fund but there are Retirement target funds where the allocation of assets is mostly bonds if the retirement target year is sooner rather than later.

I am a fairly risk tolerant person .. or I have been but my thinking was always that we were 20 years away from retirement!  I realize that I have to adjust my thinking and our asset allocation as well.

Thoughts would be appreciated!

- L

Title: Re: Asset Strategy Question
Post by: ZiziPB on May 08, 2014, 09:37:21 AM

This thread may give you some ideas to think about:

http://forum.mrmoneymustache.com/investor-alley/bonds-as-a-of-your-age/