...asset allocation anymore? I thought this was a retirement strategy board.

Just for fun I decided to check my asset allocation as of the end of Q3. I make a few decisions about my allocation -- how much to keep in my managed accounts, what to do with the resources outside those accounts -- but mostly the decisions are made by my account managers. Here's what I discovered:

CASH & EQUIVALENTS	28.3%  
BONDS	                14.4%
REITS	                 6.5%
LARGE CAP US	 	32.1%
SMALLER CAP US	 	 3.3%
INT'L STOCK	 	15.4%
		
TOTAL	 	       100.0%

The bond allocation includes some short-term, some intermediate-term, some quality long-term corporates and some junk. The cash includes some I-bonds, some CDs and some money-market funds held by a managed account.

My portfolio was 8% up for the year as of 9/30, compared to the S&P 500's 12% (with dividends reinvested). That's not bad with all that cash and with having withdrawn 1.5% of the starting value for living expenses during the nine months.

What's in your wallet?

--fleg