Key insights
- The post discusses an individual's retirement portfolio breakdown, highlighting a mix of target-date funds, index funds, individual stocks (primarily Berkshire, Apple, and Block), REITs, bonds, and cash. The user seeks feedback on asset allocation as they approach retirement. The high allocation to individual stocks introduces idiosyncratic risk, while the large cash position may create drag. The redundancy between TDFs and other holdings warrants review.
I am probably 1-2 year from retirement, and am pretty aligned with Target Date Funds, Boglehead concepts, and getting more conservative financially for obvious reasons. I just did an audit of my 401K and Investment account and Roth IRA.
[While I do understand there is some redundancy here with TDF and Index funds and Bond funds, and would likely prefer to have less $$ in individual stocks, they are 75% Berkshire, Apple and Block.]
Anyway, please let me know what you suggest for these weights, and any thoughts/insight into a better path forward now that I am getting close to the start of the good times! Thanks so much.
|Target Date Fund|Index Funds|Stocks|REIT|Bonds / Money Market|Cash| |:-|:-|:-|:-|:-|:-| |27%|20%|13%|4%|16%|21%|