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Here's my current breakdown, as a 50-something year old:
IRA: 50% of net worth
Equity: 70%
Fixed income: 20%
Cash: 10%
Roth IRA: 5% of net worth
Equity: 98%
Fixed income: 0%
Cash: 2%
401K: 10% of net worth
Equity: 68%
Fixed income: 32%
Breakdown of contributions to 401k:
Pre-tax: 10% of salary
Roth: 2% of salary
Company match: 25% of the first 5% of my contributions
Non-retirement Investments: 4% of net worth
Equity: 56%
Fixed income: 0%
Real Estate: 43%
Cash: 1%
Personal real estate assets
Home: 30% of total Net Worth
Debt:
Mortgage: 5% of total Net Worth
I consider myself moderately aggressive in my investments, and prefer to live debt free. In a couple of years, I may shift more of my investments into less risky fixed income "safe harbor" assets. But for now, I'm happy with how my investments have grown over the years, and the tea leaves seem to how that once we get past this COVID stuff, the economy should continue to grow.
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2010 Cayman S - 12-2020 -
2014 MINI Cooper S Coupe - 05-17 - 05-21
1989 944S2 - 06-01 - 01-14
Carpe Viam.
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Last edited by Z-man; 12-09-2021 at 08:37 AM..
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