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Author: ascenzm Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 767422  
Subject: Re: How come nobody talks about... Date: 10/14/2012 9:39 PM
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I am primarily a Vanguard investor ever since my employer switched to Vanguard as their 401K custodian.

As of 9/30/12, my portfolio is up 7.8% for 2012.

It's 50.4% equity and 49.6% fixed income.

The equity portion is split as follows:
17.1% Large Cap equity
14.6% Small Cap equity
4.8% REIT
13.9% Intl Equity

The fixed income portion is split as follows:

I/EE bonds (4%) - love those 3% fixed 2001 I-bonds
MM funds (0.8%)
Short Term bond index - mostly treasuries (3%)
Short Term Corporate Bonds (9.5%)
Short and intermediate term municipal bonds (21%) - I'm in the 28% federal income tax bracket
TIPs fund (3%)
Stable Value - 401K (8.3%)

Before the Fed's ZIRP went into effect I was going with a 105 - age = equity percentage that led me to reduce my equity exposure each year, but I may be rethinking that because I don't think that fixed income investment vehicles are likely to provide much return for the next several years.

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